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Mortgage and protection advice A. The Financial Conduct Authority does not regulate some forms of Buy to Lets. B. There may be a fee for mortgage advice. C. D. E.

Your home may be repossessed if you do not keep up repayments on your mortgage. The precise amount of the fee will depend upon your circumstances but will range from £250 to £795 and this will be discussed and agreed with you at the earliest opportunity. The information on this page is for the use of residents of the United Kingdom only. No representations are made as to whether the information is applicable in any other country which may have access to it. H&L Mortgage Solutions is a trading name of H&L Mortgage Solutions Ltd who are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. H&L Mortgage Solutions Ltd are registered in England and Wales with company number 15788170. Registered Office: 21 Garratt Way, Thorne, Doncaster, South Yorkshire, DN8 5EW

29/09/2026

As you repay your mortgage and property prices change, the amount you borrow compared with your home’s value may also change.

This could influence which products and rates you are eligible for when it is time to review your mortgage. Eligibility will depend on your circumstances and the lender’s criteria. 📈🔑

A Just Mortgages adviser can help you understand where you currently stand: https://tinyurl.com/yhyatb2h

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

24/09/2026

When did you last look closely at the details of your mortgage?

Knowing what you currently owe, the conditions attached to your deal and whether any charges apply can help your adviser build a clearer picture of your needs. 🏠✅

Gather your latest mortgage statement and start preparing for your next review: https://tinyurl.com/yhyatb2h

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

22/09/2026

Six months can pass quickly, especially when there are finances, paperwork and lender requirements to consider.

Reviewing your mortgage ahead of time could help you avoid a last-minute rush and give you space to explore what may be suitable for your circumstances.🔍📄

💬Learn more about how you can prepare for your next mortgage: https://tinyurl.com/yhyatb2h

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

17/09/2026

🚨Base Rate Announcement🚨

17/09/2026

🏡 You do not necessarily need to be buying with a partner to become a homeowner.

Whether you could buy alone may depend on your income, available deposit, regular commitments, credit history and the price of the property.
Understanding your position early could help you set a realistic budget and focus your property search.

A mortgage adviser can help you understand your potential borrowing range and what could be realistic for your circumstances.

📩 Speak to a Just Mortgages adviser to take your first step towards home ownership: https://tinyurl.com/3wsbz5ms

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

15/09/2026

Buying alone can mean managing each decision and cost independently, but you do not have to work everything out by yourself.

A mortgage adviser can explain the application process, help you understand how lenders may assess your finances and explore options based on your circumstances.

You may discover that your plans are already realistic, that you need more time to prepare or that adjusting your property budget could help.

📩 Speak to a Just Mortgages adviser about your next steps: https://tinyurl.com/3wsbz5ms

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

10/09/2026

Preparing your financial information before speaking to a mortgage adviser could help make your initial conversation more productive.📄

You may be asked about your income, deposit, regular spending, existing commitments and the property price you are considering.

Income from self-employment, bonuses, commission or several sources may be assessed differently between lenders.

📩 Speak to a Just Mortgages adviser to find out what information you may need: https://tinyurl.com/3wsbz5ms

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

08/09/2026

🏡 Buying a home does not have to be something you do with a partner.

Your mortgage options may depend on your income, deposit, regular outgoings, credit history and the price of the property you are hoping to buy.
A mortgage adviser can help you understand your potential borrowing range and whether home ownership could be realistic for you.

📩 Speak to a Just Mortgages adviser to explore your options: https://tinyurl.com/3wsbz5ms

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

03/09/2026

🏠 A missed payment doesn’t always mean your mortgage plans have to stop.

Lenders may consider when it happened, how much was involved, whether it has been resolved and your current financial position.

If you’re thinking about buying a home, getting advice before you apply could help you feel more prepared.

🔗 Find out more via the link: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

01/09/2026

🔍 Had credit issues in the past and unsure where you stand?

Older credit issues may be viewed differently to recent ones, especially if they’ve been resolved and your finances have been managed well since.
Every lender has different criteria, so it’s worth speaking to an adviser before ruling yourself out.

🔗 Read the full blog here: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

11/05/2026

The biggest mistake first-time buyers make in the UK isn’t what most people think.

It’s not the deposit.
It’s not your income.
It’s not a missed payment on your credit file or a questionable bank transaction from three months ago.

Most of those things can usually be worked through if they’re spotted early enough.

The real mistake is not understanding the financial risk that comes with owning a home.

When you buy a property with a mortgage, the lender places a legal charge against your home. In simple terms, if you fail to keep up with the terms of the mortgage, the lender has the legal right to repossess the property.

One of those conditions is making your monthly payments on time, every month, for the entire mortgage term.

Now ask yourself this honestly:
Can you guarantee that nothing will happen over the next 25, 30, or even 35 years that could affect your income?

Most people can’t.

The bank understands there is risk involved too, which is exactly why they underwrite every application so carefully. The difference is they have security… your house.

When you really stop and think about it, it can feel quite daunting. Illness, accidents, loss of income, or even worse, are things nobody likes to think about, but life happens.

I often ask my clients:
“What is the biggest asset you have?”

Most people answer:
“My house.”

Wrong.

Your biggest asset is your income.

Without income, there’s no mortgage payment, no food shopping, no utility bills being paid, no car finance, and no financial stability for your family.

That’s why mortgage protection matters.

One of the biggest mistakes first-time buyers make is focusing so much on getting the keys that they forget to protect everything they worked so hard to achieve in the first place.

Most mortgage brokers can also advise on protection options designed to help protect you, your income, and your family if life takes an unexpected turn.

Because buying a home with a mortgage but having no protection in place is a bit like boarding a cruise ship with no lifeboats.

You might reach the other side safely… but would you take the risk?

Yours sincerely,

H&L Mortgage Solutions.

07/05/2026

Buying your first house should be fun, not stressful.

You should be focusing on finding a house that ticks most of the boxes. Because let’s be honest, perfection does not exist, and expectations need to be managed. A house should work for you, not the other way around.

But where do you even start? Should you just head out into the wild and look for the biggest, shiniest house on the market?

Probably not the best idea, my friend.

Why? Because you might end up falling in love with a house that is completely out of reach financially. And trust me, that can be a painful reality check.

So how do you know what you should actually be looking for?

Affordability, my friend. Affordability.

Because if you start house hunting without understanding your true buying power, you could end up wasting a lot of time looking at properties that simply do not fit your budget.

On the other hand, if you do your homework first, you can go into the process armed with knowledge and confidence. You will know what you can realistically buy, and you can set your search with the right expectations and parameters from day one.

But, and this is a big but… should you buy the most expensive house a lender says you can afford?

What would the trade-off be?

Would you have to give up your favourite restaurant every weekend? Swap holidays abroad for staycations? Cut back on the little things that actually make life enjoyable?

You get my drift, don’t you?

Instead of maxing out your borrowing power, why not reverse engineer the whole thing?

Why not start by working out what monthly mortgage payment would still allow you to enjoy your lifestyle comfortably?

Yes, this might mean adjusting expectations slightly. But let’s be honest… who wants to live in a palace while surviving on rice and beans?

And guess what? With the guidance of a mortgage broker, you can usually find that sweet spot — the balance between buying a home that works for you while still enjoying that lovely curry takeaway twice a week.

(Or Chinese… if that is what rocks your world.)

Yours sincerely,

H&L Mortgage Solutions

06/05/2026

Most first-time buyers think they’re ready for a mortgage… until they actually apply.

So if I had to start again today, knowing what I know as a mortgage broker and homeowner, here’s exactly what I’d do first.

Number one: check your credit file.
Not exciting, I know. But that credit card you opened years ago and forgot about? Still there.
Worst case, you might find errors that could ruin your chances before you even start. So yes… do this first.

Next: your deposit.
It’s not just about having it. It’s about proving where it came from.
Savings? Fine. Gift from mum and dad? Even better (thanks, mum and dad).
But if you can’t evidence it properly, your solicitor will be asking questions you won’t enjoy answering.

Income, income, income.
Banks care about one thing: can you afford this long term?
Permanent job? Great. Fixed-term contract? Slightly less exciting for them.
Second job? Maybe usable… maybe not.
You’d be surprised how many people don’t actually understand their own income situation.

Debt… keep it under control.
The more you owe, the less you can borrow. Simple.
Push it too far and suddenly you look like someone who might struggle next month… and banks don’t like that.

Be organised.
ID, payslips, bank statements, tax returns…
You’ve got a smartphone—there’s no excuse.
Being organised won’t impress your friends, but it will impress lenders.

And finally…

You can go DIY and speak to your bank.
Or go to five banks and compare everything yourself.

Or… speak to a mortgage broker and get it done properly from the start.

Because most people don’t get it wrong on purpose…
they just don’t know what they don’t know.

Thanks for reading.

Yours truly,

H&L Mortgage Solutions.

05/05/2026

One of the most common mistakes I see when people apply for a mortgage is trying to over-inflate their income in order to borrow more and buy their “dream house”.

And this is where things can go wrong.

Imagine this: you’re employed and have access to overtime. Six months before applying for a mortgage, you decide to work as much overtime as possible. More hours, more income, less time at home, less time with friends… all to boost your affordability.

On paper, it might look like a smart move. In reality, it can cause problems.

On your payslips, there is something called YTD (year-to-date), which shows your total earnings so far in the tax year. When lenders assess your income, they will usually take an average of your most recent 3 months’ payslips to calculate what you earn annually.

So here’s the issue: if your last 3 months show a sudden spike in overtime, but your YTD doesn’t reflect that same level consistently, there’s a mismatch.

And lenders notice this.

They want to see stable, sustainable income — not temporary spikes. If something doesn’t add up, it can lead to a declined application or a reduced loan offer.

In simple terms: just because you can earn more for a short period doesn’t mean lenders will treat that as your normal income.

And here’s the real question to think about…

If you only increased your overtime for a few months to get the mortgage, what happens after you move in and go back to your normal hours? Can you still comfortably afford the repayments?

Just something to think about before you push yourself too hard for a short-term gain.

Sincerely,

H&L Mortgage Solutions.

28/11/2025

This one is compulsory, and for your own good as well. Because who wants to live in an unprotected property?

27/11/2025

Let me introduce you to the king and queen of insurances. Your income is the essense of anything material which can affect the non material if it is not there anymore. Income Protection can help you make sure you can move forward with life and get better in the worst happened.

26/11/2025

Wouldn't you prefer to leave a legacy of protection instead of one of financial worry and distress, it is very simple and will give you peace of mind that your loved ones will not lose the roof over their head or have a debt that they may not be able to pay.

25/11/2025

It's not FBI, it's real name is FIB, Family Income Benefit. The not so often spokent about policy. If you want to make sure your family is left in a good place when the worst happens to you, listen up.

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Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm

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