Bay Tree Finance

29/07/2026

* * 40% * *
Many people are leaving their mortgage until the last minute.

Of the last 10 product transfers 𝐈'𝐯𝐞 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞𝐝 𝐟𝐨𝐫 𝐧𝐞𝐰 𝐜𝐥𝐢𝐞𝐧𝐭𝐬, 4 had left it too late to switch lender without spending time on their lender's standard variable rate and stayed with their current lender.

That can be an expensive position to be in as your lender offers you a deal, not necessarily the best deal.

If your rate ends within the next 6 months, now is the time to start looking.

Feel free to message me if you'd like me to check your options. ⏰

*Image generated using AI *

08/12/2025

A huge thank you to my client, Will, for their ⭐⭐⭐⭐⭐ review after 10 months of working together on a complicated case.

People often don’t realise how much work goes into securing a mortgage. It’s hours of communication, chasing documents, resolving issues, speaking with lenders, and adjusting plans as circumstances change; over 40 hours logged in this case!

These complexities are exactly why mortgage advisers often charge a fee, not for a quick conversation, but for months of expert guidance and hands on support that ultimately make the difference in getting the application across the line. 🤓

My reviews: https://www.vouchedfor.co.uk/financial-advisor-ifa/loanhead/074101-martin-lunn/reviews

29/09/2025

Sometimes an unexpected review comes in and makes your day. There are many ways to allow clients to leave feedback, but I chose Vouchedfor and Google for mine.

Here’s what Trudy surprised me with today🤓

19/08/2025

The base rate was cut to 4% this month! Could your mortgage payments drop too? Let’s find out 👇

☎️Call 0131 210 0233 or message using Facebook to start your enquiry today!
Your home may be repossessed if you do not keep up repayments on your mortgage.

https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp

21/05/2025

❌100% mortgages are a product of the past?
Not quite!
✅Designed for home buyers, some lenders offer zero deposit mortgages to first time buyers and home movers. They all have a different target customer so if you haven't quite saved your ideal deposit, or got the equity yet, but see the perfect home, perhaps one of these lenders can help!

☎️Call 0131 210 0233 or message using Facebook to start your enquiry today!

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

07/04/2025

🏠 Mortgage solutions aren’t one-size-fits-all — and that’s exactly why I love what I do.

Right now, I’m working with a mix of clients, each with very different needs:

🔹 A couple nearing retirement, downsizing and releasing equity to kickstart their buy-to-let journey — yes, lenders offer to age 85 and beyond!
🔹 A homeowner with adverse credit, unlocking equity from their home to refinance bills and make home improvements 💪
🔹 What should have been a straightforward like-for-like BTL remortgage... until a few curveballs came our way (don’t worry — I'm on it and we're almost over the line!)
🔹 A first-time landlord who I’m supporting with Decision in Principles to help strengthen his offers to estate agents. Here's hoping third offer lucky! 🤞

No matter the situation — complex, unique, or somewhere in between — I’m here to help you navigate it with confidence and clarity.

📩 If you’re thinking about your next move (or even just have a question), feel free to reach out. Let’s talk about what’s possible.

Call now to connect with business.

05/03/2025

🏡 Helping Clients Secure the Right Mortgage Solutions! 🏡

Over the past fortnight I’ve helped a variety of clients with differing mortgage needs; it's been an interesting one:

✅ A first-time buyer had their offer accepted,
✅ A home mover climbing the ladder further needing additional borrowing,
✅ A landlord with heavy adverse credit, finding a solution when his lender was forcing a sale 😕
✅ A landlord needing specialist remortgages as he sub-lets his properties — and soon, I’ll assist with his bridging finance too for a development!

No matter how straightforward or complex your situation may seem, there’s often a solution out there. If you need mortgage advice or ideas, let’s chat! 💬

📩 Drop me a message or get in touch to see how I can help.

Call now to connect with business.

05/02/2025

Hi everyone! 👋

Welcome to my page! I’m Martin, here to provide friendly, straightforward mortgage and protection advice. Whether you’re:
🏡 Buying your first home
🔄 Remortgaging
🤔 Exploring your options

I’m here to make the process as smooth and stress-free as possible.

Starting this journey on my own has been a dream in the making for some time and I’m so excited to share it with you. If you have any questions or just want to chat about your plans, feel free to reach out.

Thanks for stopping by - your support means everything! 💬