Roisin MacMaster - Mortgage & Protection Adviser

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Roisin MacMaster - Mortgage & Protection Adviser

Mortgage & Protection Adviser

24/08/2026

Mortgage Term of the Day 💫

Today’s term is Agreement in Principle.

Securing an AIP before you start viewing properties puts you in a much better position as it gives you a good idea of what you could potentially borrow.

Most solicitors will ideally want you to have one in place before putting in an offer.

Hopefully these little explanations make some of the mortgage jargon a bit easier to understand 🤍

19/08/2026

Your income is your biggest asset and if that income suddenly stops due to illness or injury, how would you continue to pay your mortgage, bills and maintain your lifestyle?

Protection is often overlooked while people focus on their mortgage, but it really should be factored into your budget.

Protecting your income should be just as important as protecting your home💌

11/08/2026

A lower interest rate doesn’t always mean that it’s the best deal ☁️

Sometimes, a slightly higher rate with no product fee can actually work out cheaper overall.

It’s not just about the rate, it’s about the overall cost of the mortgage 🤍

06/08/2026

Kinda chic to be your broker🤭✨

04/08/2026

Mortgage Term of the Day 💫

Today's term is Equity.

Home equity is the part of your home that you actually own.

It's worked out by taking the value of your home and subtracting what's left on your mortgage.

For example, if your home is worth £300,000 and you still owe £200,000 on your mortgage, then you have £100,000 in home equity.

Hopefully these little explanations make some of the mortgage jargon a bit easier to understand 🤍

30/07/2026

The Bank of England has held the base rate at 3.75%🔒

That doesn’t necessarily mean that mortgage rates will stay the same. Most lenders have already increased their rates over the last few weeks, so it’s always worth keeping an eye on things🤍

25/07/2026

My take on this trend💛

Worth every penny 🤝🏼

23/07/2026

Get to know your broker 🫧🧚‍♂️🌿

Some things you may or may not already know about me 🤭

17/07/2026

Mortgage Term of the Day 💫

Loan-to-Value (LTV) is just the amount you're borrowing compared to the value of the property.

For example, if you're buying a home for £250,000 and have a £25,000 deposit, you'd need to borrow £225,000. That means your Loan to Value is 90%.

The more deposit you have, the lower your LTV will be, which can often give you access to better mortgage rates.

Hopefully these little explanations make some of the mortgage jargon a bit easier to understand 🤍

13/07/2026

Have you ever thought about what would happen if you couldn’t work due to long-term illness or injury? 💭

Not many people know about income protection and most assume it’s expensive without ever looking into it. In reality, it can be more affordable than you think.

Your income is one of your biggest assets. It’s what pays your bills, covers your expenses and helps you maintain your lifestyle, yet it’s often the one thing people don’t think about protecting.

It’s not the nicest topic to talk about, however, it’s something you don’t think you need until you do.

If you’d like to chat about your options or have any questions, i’d be happy to help 🤍

Address

Scotia House, 5 Dickson Street
Dunfermline
KY127SL

Telephone

+447563665423

Website

https://carnegiemortgageandprotection.co.uk/

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