Mortgage Fit

Mortgage Fit Helping you get mortgage-fit 🏠

18 years experience | UK-wide

Questions? Message me 👇 Firm Reference Number: 918720. Registered in England & Wales No:11968206.

Mortgage Fit is a trading style of ADNFC Financial Consultants Ltd which is authorised and regulated by the Financial Conduct Authority. ADNFC Financial Consultants Ltd is a Private limited Company. Registered address: Unit 3, Ryedale House, Piccadilly, York, North Yorkshire, United Kingdom, YO1 9NX.

04/06/2026

Moved into your new home? Don’t just unpack the boxes.

There are a few boring-but-important jobs that can save you stress, money, and awkward problems later.

Before you get too comfortable, make sure you:
âś… Take meter readings
âś… Change the locks
âś… Register for council tax
âś… Update your driving licence
âś… Tell your bank and utility providers
âś… Check bin collection dates
âś… Say hello to the neighbours

Most new homeowners forget at least one of these in the excitement of moving in.

Save this for moving day or send it to someone who’s just bought their first home.

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02/06/2026

These things do not always stop you getting a mortgage.

But they can change which lenders will even look at your case.

That is the part most buyers miss.
A missed payment, messy bank statements, new credit, gambling transactions, high credit usage, or the wrong type of debt may not mean “no mortgage.”

But it can mean fewer lender options, worse rates, more questions, or needing a specialist approach before you apply.

The biggest mistake is not having these things.

The biggest mistake is applying without knowing how a lender will read them.

If you are thinking about buying, remortgaging, or checking whether you are mortgage-ready, get your documents reviewed before you start guessing.

Follow for more UK mortgage tips.

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01/06/2026

Nobody wants to hear this…
But your credit card could be the reason you can’t borrow as much as you expected.
Not your income.
Not your deposit.
Not the house price.
Your monthly debt repayments.
Lenders don’t just ask, “How much do you earn?”
They ask, “How much do you already owe?”
So if your credit card is being used to fund your lifestyle, it’s time to get honest with yourself before applying for a mortgage.
Clear what you can.
Stop spending on what isn’t essential.
And don’t let short-term lifestyle spending damage a long-term home goal.
Follow for more mortgage tips.

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01/05/2026

What would you say?

29/04/2026

The number you think you can borrow…
and the number you should borrow…
are two completely different things.
That “4.5x your income” rule?
It’s just a guideline — not a guarantee.
Lenders look at:
• Your credit behaviour
• Your spending habits
• Your job stability
• Even small financial decisions you think don’t matter
Which means two people on ÂŁ50k can get very different outcomes.
Now here’s where it gets serious…
Over 1.8 million UK homeowners are coming off fixed-rate deals in 2026.
Most will:
• Accept the first rate they’re offered
• Overpay by thousands
• Or miss opportunities sitting in their own equity
Not because they have to…
But because they don’t know what lenders actually look for.
The smart ones don’t guess.
They prepare.
They optimise.
They get guidance before it matters.
That’s the difference between:
“Just getting a mortgage”
and
Getting the right one for your future.
If you want to understand how lenders really assess you —
and how to put yourself in the strongest possible position —
follow for straight, no-fluff mortgage advice.

28/04/2026

POV: You’re ready to apply for a mortgage. Good salary. Decent deposit. Then your broker goes quiet looking at your bank statements.

It happens more than you’d think. Not because of how much you earn.

Because of three things most people have never been told to watch:

→ A direct debit that bounced – even once
→ An overdraft pushed past its agreed limit
→ A run of small gambling transactions the frequency matters more than the amount.

None of these feel serious in the moment. To a mortgage lender, they’re immediate red flags.

The fix isn’t complicated. But you need to know about it before you apply not after you’ve been declined.

1.8 million fixed deals expire in 2026. The people who come out ahead won’t be the luckiest.

They’ll be the ones who got the right advice at the right time.

👇 Comment “READY” and we’ll take a look at your situation no jargon, no pressure, just clarity.

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

28/04/2026

Lenders quite often do final credit checks just before completion!!

You can get caught out if your not careful even very close to the completion date.

Have you ever had a Mortgage offer fall through?

23/09/2025

Its remortgage season! So many people have rates ending in december and January. Dont leave it to the last minute! Lock something in now, you can amend it down if rates drop but cant protect yourself if rates rise!

Today is our last day in the office of 2024 and id just like to say thank you to all our clients old and new for trustin...
23/12/2024

Today is our last day in the office of 2024 and id just like to say thank you to all our clients old and new for trusting us with your finances.

As we move in to 2025 there will be some big changes to our back office team which will be growing in number, inprovements to our processes and a renewed focus on helping people achieve their property goals.

We also have some exciting plans for later in 2025 but more news to come.

Merry christmas everyone and a happy new year from all of us at Mortgage Fit.

Xx

06/12/2024

16 working days start to finish with 4 equitable charges and a strict deadline to complete..... done!! Stressful but working as a team with buyer, lender and solicitors, we got the job done !

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