One Call Mortgage Hub

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One Call Mortgage Hub

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One Call Mortgage Hub is a leading UK based mortgage brokerage.

30/10/2026

Need extra funds but still have time left on your fixed-rate mortgage? You may not have to end your current deal. 🏡

One option could be a further advance, which means borrowing additional money from your existing mortgage lender. The extra amount is usually arranged separately and may have its own interest rate, repayment period and monthly payment.

Lenders may consider:
- Your income and regular spending
- Your credit history and existing debts
- The amount of equity in your home
- Why you want to borrow the money
- Whether the additional repayments are affordable

Other options may include remortgaging or taking out a second charge mortgage. However, early repayment charges and other fees could apply, so it is important to compare the total cost of each option.

One Call Mortgage Hub can review your circumstances and help you understand which route may be suitable.

Call 01302 558 625 to speak to the team.

Eligibility, rates and borrowing depend on your circumstances and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

Already feel at home in the property you rent? You may be able to buy it directly from your landlord. 🏡

This is often known as a tenant purchase. You and your landlord will need to agree on a price, and you will still need to complete the usual mortgage and legal process.

If your landlord agrees to sell the property below its market value, some lenders may allow the discount to count towards part or all of your deposit. This is sometimes called a concessionary purchase or gifted equity.

A lender may consider:
- Your income, spending and credit history
- Whether the mortgage repayments are affordable
- The property’s value and condition
- The agreed purchase price
- Your relationship with the landlord
- How any discount or deposit is being provided

An independent valuation, conveyancing and other costs may still be required. Not every lender accepts this type of purchase, and their rules can differ.

One Call Mortgage Hub can review your circumstances and help you explore the options available.

Call 01302 558 625 to speak to the team.

26/10/2026

Online mortgage calculators can be a useful starting point, but the result is only an estimate. 🏡

Most calculators use a small amount of information, such as your income, deposit and preferred mortgage term. They cannot complete the detailed checks required for a mortgage application.

A lender may also consider:

- Your regular household spending
- Loans, credit cards and other commitments
- Your credit history
- Your employment and type of income
- Any financial dependants
- The property’s type and value
- Its own affordability rules and lending criteria

This means the amount you can actually borrow may be higher or lower than the figure shown online. A calculator result is not a mortgage offer or a guarantee that an application will be accepted.

One Call Mortgage Hub can look at your circumstances in more detail and help you understand the options that may be available.

Call 01302 558 625 to speak to the team.

23/10/2026

We love hearing about the difference our team has made. ⭐

Theresa has worked with Rachel for more than 10 years across several remortgages, while Andy praised her friendly, efficient and knowledgeable support throughout the process.

Thank you both for taking the time to share your feedback, and well done to Rachel for continuing to provide such a personal and helpful service.

Whether you are buying your first home, moving house or considering remortgaging, One Call Mortgage Hub is here to help you explore your options.

Call 01302 558 625 to speak to the team.

22/10/2026

Could a £5,000 deposit be enough to buy your first home? 🏡

Although many low-deposit mortgages require at least 5% of the property’s value, some lenders offer fixed £5,000 deposit mortgages for eligible first-time buyers. This means the deposit could be less than 5%, depending on the property’s price.

These mortgages have limited availability, and lenders may consider:
- Your income and regular spending
- Your credit history and existing debts
- Whether the monthly repayments are affordable
- The property’s type and value
- Where your deposit has come from

You will also need to budget for other buying costs, such as legal fees, surveys and moving expenses.

One Call Mortgage Hub can review your circumstances and help you understand whether a £5,000 deposit mortgage or another option may suit you.

Call 01302 558 625 to speak to the team.

19/10/2026

Worried that your student loan could stop you from getting a mortgage? It does not automatically rule you out. 🏡

When checking affordability, lenders are usually more interested in your monthly student loan repayment than the total amount you owe. This is because the repayment reduces the income you have available each month.

They may also consider:
- Your income and employment
- The size of your deposit
- Regular household spending
- Loans, credit cards and other commitments
- Your credit history
- The mortgage repayments you could afford

Each lender assesses applications differently, so the amount you may be able to borrow can vary.

One Call Mortgage Hub can review your circumstances and help you understand the mortgage options that may be available.

Call 01302 558 625 to speak to the team.

05/10/2026

Is your current mortgage deal coming to an end? It may be time to explore your remortgaging options. 🏡

Remortgaging means changing your mortgage deal without moving home. This could involve switching to a new lender or choosing a new deal with your existing lender, sometimes called a product transfer.

You may consider remortgaging to:

- Find a more suitable interest rate
- Change your mortgage term
- Adjust the type of mortgage you have
- Borrow more against your property
- Avoid moving onto your lender’s standard variable rate

It is important to compare the full cost of each option, not just the interest rate. Arrangement fees, valuation costs, legal fees and early repayment charges could apply.

Starting your research before your current deal ends can give you more time to understand your choices.

One Call Mortgage Hub can review your circumstances and help you explore suitable options.

Call 01302 558 625 to speak to the team.

Eligibility, rates and borrowing depend on your circumstances and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

02/10/2026

Struggling to save a large deposit while keeping up with rent and everyday costs? A 98% mortgage could help some first-time buyers take a step towards owning a home. 🏡

A 98% mortgage allows an eligible buyer to borrow up to 98% of a property’s value and provide the remaining 2% as a deposit. For example, a £200,000 home could require a £4,000 deposit.

A smaller deposit does not guarantee acceptance. Lenders will consider factors such as:
- Your income and regular spending
- Existing loans, credit cards and other commitments
- Your credit history
- The type and value of the property
- Whether the monthly repayments are affordable

You may also need money for other home-buying costs, including legal fees, surveys and moving expenses.

One Call Mortgage Hub can review your circumstances and help you understand which options may be available.

Call 01302 558 625 to speak to the team.

24/09/2026

A mortgage lender needs a clear and accurate picture of your circumstances before deciding how much you may be able to borrow.

This includes your income, employment, existing debts, regular outgoings, credit history and where your deposit has come from. If anything changes while your application is being considered, let your mortgage broker know as soon as possible.

Being open from the start can help reduce avoidable questions and allows your broker to explore options based on your actual circumstances.

For clear, personal mortgage advice, speak to One Call Mortgage Hub on 01302 558 625.

Your home may be repossessed if you do not keep up repayments on your mortgage.

16/09/2026

A Joint Borrower Sole Proprietor mortgage may be an option for buyers who need additional support with affordability.

It allows another person’s income to be considered as part of the mortgage application without making them a legal owner of the property. The supporting borrower is often a parent or family member, although lender criteria can vary.

However, everyone named on the mortgage is responsible for the repayments, and missed payments could affect each borrower’s credit history. It is therefore important that everyone understands the commitment before going ahead.

To discuss whether a JBSP mortgage could suit your circumstances, speak to One Call Mortgage Hub on 01302 558 625.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Doncaster
DN45JQ

Telephone

+441302558625

Website

http://www.ocmortgagehub.co.uk/

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