Currancy

Currancy Whole of market mortgage advice. All types of buyers. Residential and Buy-to-Let mortgages. Protection and insurance advice. By phone: Telephone 07980 242315.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. We may charge a fee for our service up to 0.75%. Our typical fee is £595 payable on application, subject to status. The Financial Conduct Authority does not regulate some forms of Buy to Let Mortgages. Whole of Market Mortgage & Protection Experts – Curranc

y

Currancy Limited, 948914, is Authorised and Regulated by the Financial Conduct Authority (FCA). FCA, 12 Endeavour Square, Stratford, London, E20 1JN http://www.fca.org.uk. Our permitted business is recommending and advising on regulated mortgage contracts and regulated non-investment insurance contracts. You can check this on the Financial Services Register by visiting the FCA’s website http://www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 1116768


What to do if you have a complaint: If you wish to register a complaint, please contact us: In writing: Write to: Currancy Limited, 25 Coniston Drive, Holmes Chapel, Cheshire, CW4 7LA. By email: [email protected]

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

🏠 Great news for first-time buyers!Halifax have just launched a brand new low deposit mortgage — and it could be a game-...
18/05/2026

🏠 Great news for first-time buyers!
Halifax have just launched a brand new low deposit mortgage — and it could be a game-changer for anyone who’s been struggling to save a big deposit.
Here’s what’s on offer:
✅ Minimum personal deposit of just £5,000
✅ 5-year fixed rate at 5.89% with zero product fee
✅ Maximum purchase price of £300,000
✅ Available to employed and self-employed — no minimum income requirement
✅ Free Level 1 mortgage valuation included
✅ Joint applications welcome — only one applicant needs to be a first-time buyer
The deposit can’t be gifted, but proof of funds may be required. Other than that, this is one of the most accessible first-time buyer products I’ve seen in a while.
If you — or someone you know — has been putting off buying because of the deposit hurdle, now might be the moment to have a conversation. 💬
📞 07980 242315
📧 [email protected]
👤 John Curran | Mortgage Broker
Your home may be repossessed if you do not keep up repayments on your mortgage. Currancy Ltd is a mortgage broker, not a lender. Product availability and rates are subject to change.

🏠 Big Changes for Landlords & Tenants – Are You Ready?The Renters’ Rights Act is bringing some of the biggest shake-ups ...
22/04/2026

🏠 Big Changes for Landlords & Tenants – Are You Ready?

The Renters’ Rights Act is bringing some of the biggest shake-ups to the private rental sector in decades, and if you own a rental property, you need to know about this.

Here’s what’s changing 👇

❌ No-fault evictions are ending
Landlords will no longer be able to evict tenants without a valid reason. If you want your property back, you’ll need grounds to do so.

📋 Assured Shorthold Tenancies (ASTs) are gone
All tenancies are moving to Assured Periodic Tenancies (APTs) – with no fixed end date. Already have an AST in place? It switches automatically on 1 May 2026. No action needed, but you should be aware.

🏡 Selling or moving back in? You’ll need to give 4 months’ notice
And here’s the kicker – if you end a tenancy to sell or move back in, the property cannot be re-let for 12 months, even if the sale falls through. Plan carefully.

💷 Rent increases are being capped to once per year
Rent review clauses in existing agreements will no longer apply. From 1 May, one increase per year is the maximum – full stop.

These changes affect your mortgage options too. If you’re a landlord wondering how this impacts your buy-to-let situation, refinancing plans, or portfolio strategy – let’s talk.

📩 Drop us a message or give us a call. We’re here to help you navigate whatever the market throws at you.

[email protected]
07980242315

We’re back to a team of 3! 😁At Currancy Mortgage Brokers, we handle all types of mortgages because we know one thing is ...
03/01/2026

We’re back to a team of 3! 😁

At Currancy Mortgage Brokers, we handle all types of mortgages because we know one thing is true:

Your Mortgage Matters. 🏡

📧 [email protected] | 📱 07980 242315
📧 [email protected] | 📱 07825 067706
📧 [email protected] | 📱 07540 847879

Sky news: Traders reckon there's a 93% chance the Bank of England will bring the interest rate down to 3.75% in December...
27/11/2025

Sky news: Traders reckon there's a 93% chance the Bank of England will bring the interest rate down to 3.75% in December, according to London Stock Exchange Group (LSEG) data.
Lower interest rates mean cheaper borrowing and lower mortgage rates.
And interest rate falls are on course to continue into next year. Currently, cuts are anticipated in March and July, which would bring the rate down to 3.25%, according to the LSEG data.

Today’s budget at 12:30 may provide some shocks and our clients may have questions around how decisions made today could...
26/11/2025

Today’s budget at 12:30 may provide some shocks and our clients may have questions around how decisions made today could affect their ability to buy residential and investment buy-to-let properties. We are here to assist but please contact us via WhatsApp until the budget speeches have finished so we can analyse!

John 07980 242315
Michelle 07540 947879
Phil 07825 067706

27/10/2025

👩‍💼 Self-Employed? Here’s What You Need to Know About Mortgages 👨‍💼

Getting a mortgage as a freelancer or business owner can feel tricky – but it’s definitely possible. Here’s what lenders usually look for:

✅ Proof of Income: Most lenders want at least 2–3 years of accounts or tax returns (although we know lenders who will accept just 1 years worth).
✅ Consistency Matters: Regular income is key – even if it fluctuates month-to-month.
✅ Deposit Size: A bigger deposit can improve your chances and get you a better rate.
✅ Specialist Lenders: Some lenders focus specifically on self-employed buyers.

💡 Tip: Working with a mortgage advisor can make the process much smoother – they know which lenders are more flexible for self-employed applicants.

👉 Question: Are you self-employed and thinking about buying a home? What’s your biggest concern about getting a mortgage?

Contact me
Michelle 07540947879
[email protected]

John 07980 242315
[email protected]

⚠️ your home may be repossessed if you fail to keep up with payments

25/10/2025

Question Time

🏠 Would you rather have a bigger house with a bigger mortgage or a smaller house with no debt?

24/10/2025

Fun Fact Friday

🥂 First-time buyers make up a huge part of the market – in 2023, about half of all home purchase loans in the UK were to first-time buyers.

22/10/2025

📊 Changing Trends in Home Buying 📊

The housing market has changed a lot over the years – and so has the profile of today’s buyers. Here are some interesting shifts:

✅ Older First-Time Buyers: The average age is now 33 in the UK (up from mid-20s in the 1990s).
✅ Bigger Mortgages: Average loan sizes have increased as property prices rise.
✅ More First-Time Buyers Using Help-to-Buy or Shared Ownership Schemes to get onto the property ladder.
✅ Longer Mortgage Terms: 30+ year mortgages are more common to keep monthly payments manageable.

💡 Tip: Understanding these trends helps you plan your purchase realistically – whether it’s timing, deposit savings, or choosing the right mortgage type.

👉 Question: If you could go back, would you buy your first home earlier with a smaller place or later with your dream home?

Contact me
Michelle 07540947879
[email protected]

John 07980242315
[email protected]

⚠️ your home may be repossessed if you fail to keep up with repayments.

20/10/2025

💰 Deposit Dilemmas: How Much Do You Really Need? 💰

Saving for a deposit is often the biggest hurdle for first-time buyers – but how much do you actually need? Let’s break it down:

✅ Minimum Deposit: Usually 5–10% of the property price.
✅ Bigger Deposit = Better Rate: The more you can put down, the lower your mortgage interest rate is likely to be.
✅ Remember the Extras: Solicitor fees, surveys, insurance, and moving costs aren’t included in your deposit – budget for these too!

💡 Tip: Even an extra £1,000 saved can make a noticeable difference to your monthly repayments.

🏡 Question for you: If you could choose, would you rather wait a few years to save a bigger deposit or buy sooner with a smaller one? Comment below!

Contact me
Michelle 07540947879
[email protected]
Or
John 07980242315
[email protected]

⚠️ your home may be repossessed if you fail to keep up with repayments

Address

124/76 Lothian Road
Edinburgh
EH39DD

Opening Hours

Monday 8:30am - 7pm
Tuesday 8:30am - 7pm
Wednesday 8:30am - 7pm
Thursday 8:30am - 7pm
Friday 8:30am - 7pm
Saturday 8:30am - 5pm
Sunday 8:30am - 1pm

Telephone

+447980242315

Website

Alerts

Be the first to know and let us send you an email when Currancy posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Currancy:

Shortcuts

Share

Category