Matt Moon - Mortgage Adviser

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Matt Moon - Mortgage Adviser

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7+ years in mortgage advice, with experience from the most straightforward cases to every kind of weird and wonderful.

12/10/2026

💳 HAD A FEW CREDIT PROBLEMS IN THE PAST?

A late payment, default, CCJ or historic arrears doesn’t necessarily mean you can’t get a mortgage.

What matters is the detail behind your credit history and, importantly, your circumstances today.

Lenders can consider factors such as:
🔹 What happened and why
🔹 How recent the issue was
🔹 Whether outstanding balances have been settled
🔹 Your current income and affordability
🔹 Your deposit and overall financial position

Every lender has different criteria, so a previous credit issue doesn’t always tell the full story.

If you’ve been told “no” before, or you’re worried your credit history could hold you back, it could be worth speaking to a mortgage adviser before assuming your options have run out.

📞 01257 226654
✉️ [email protected]
🌐 www.mortgage-experience.com

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

08/10/2026

🏠 THINKING ABOUT BUYING AN HMO?
An HMO can be an attractive property investment, but financing one isn’t always as straightforward as a standard Buy to Let.

Lenders can look at a range of factors when assessing an HMO mortgage, including:
🔹 The number of bedrooms and tenants
🔹 The property type and location
🔹 Expected rental income
🔹 Your experience as a landlord
🔹 Your personal and/or business circumstances
🔹 Whether the property is owned personally or through a limited company

Whether you’re purchasing your first HMO or adding another property to an existing portfolio, getting the right mortgage structure can make an important difference.

At Mortgage Experience, we can help you understand the mortgage options available and guide you through the process from initial enquiry to completion.

Looking to purchase an HMO? Speak to our team to discuss your plans.

📞 01257 226654
✉️ [email protected]
🌐 www.mortgage-experience.com

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

29/09/2026

Prime Minister Andy Burnham has announced a new government scheme called ‘Your First Home’, aimed at helping first-time buyers who may struggle to save a larger deposit.

Here’s what we know so far:
🔑 First-time buyers could purchase a new-build home with a deposit of just 2.5%.
💷 The scheme is expected to provide a government-backed equity loan of up to 20% of the property value.
📊 An initial interest-free period is planned for the equity loan.
🏡 The scheme will be targeted at buyers who may not have access to financial help from family, with household income and local property price caps expected to apply.

The important bit: the scheme has been announced, but the full eligibility criteria and implementation details have not yet been confirmed. Further details are expected in the October Budget.

So, if you’re a first-time buyer who has been finding the deposit hurdle difficult, this is certainly one to keep an eye on.

We’ll share more information as the details become clearer.

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

28/09/2026

ONE DAY, YOUR INCOME WILL STOP. HAVE YOU PLANNED FOR IT?

It’s not something any of us particularly want to think about. But if your income helps keep your family’s life running, what would happen if it suddenly disappeared?

Family Income Benefit can provide your loved ones with a regular monthly income if you die during the policy term, helping towards the mortgage, household bills, childcare and everyday living costs.

Rather than leaving your family to face a large financial change all at once, it can provide ongoing financial support when they need it most.

Because protecting your family isn’t just about protecting your home. It’s about protecting the life you’ve built together.

If you haven’t reviewed your protection recently, it could be worth finding out what options are available.

📞 01257 226654
✉️ [email protected]
🌐 www.mortgage-experience.com

Please note for these insurance products, terms and conditions apply.

24/09/2026

☀️ Summer is winding down and Christmas will be here before we know it.

If moving home is on your mind, now could be a good time to start exploring your mortgage options.

Getting things in place early can give you a clearer idea of what you could afford, what your options are and how much time you have to find the right home.

So, if you’d love to be settling into a new home before Christmas, why not start the conversation now?

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

17/09/2026

The Bank of England has announced that the base rate will remain at 3.75%.

If your fixed rate is not due to end within the next 6 months, this change won’t affect you until your fixed period comes to an end.

However, if your current rate is due to end within the next 6 months, it’s important to get in touch with a member of the team as soon as possible.

If you’d like to discuss your options, simply contact the team using any of the methods below👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Source: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

16/09/2026

Trying to keep on top of several monthly payments?

If you are juggling multiple payments each month, you are not alone. With household bills and interest rates still unpredictable, many homeowners are looking for ways to simplify their finances.

Bringing your debts together into one manageable payment could help you regain control and make things easier to manage.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/mortgages/bad-credit-mortgages/debt-consolidation/

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

14/09/2026

DID YOU KNOW YOUR PROPERTY VALUATION CAN AFFECT YOUR MORTGAGE? 🏡📉📈

A property valuation plays a key role in the mortgage process. It can influence how much you can borrow, the rates available to you, and even whether a lender will proceed.

Whether you are buying or remortgaging, an accurate valuation is essential to securing the most suitable deal for your situation.

Understanding how this works can help you avoid surprises and plan with confidence.
If you have questions or want to know how this could impact your options, we are here to help. 💬

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

09/09/2026

PROTECTING THEIR TOMORROW STARTS TODAY.

Life insurance is about more than financial protection.

It is about knowing that the people you love could have support if the unexpected happens.

Sometimes, the most important things we do for our family are the things they never have to think about.

If you have a mortgage or loved ones who depend on you, do you have the right protection in place?

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/protection/life-insurance/

Please note for these insurance products, terms and conditions apply.

07/09/2026

STRUGGLING WITH YOUR CREDIT HISTORY? YOU STILL HAVE OPTIONS. 🔍🏡

Having less than perfect credit does not mean you cannot get a mortgage.

There are specialist lenders who understand different circumstances, and with the right guidance, you may still be able to secure a suitable deal.

Rates and fees can vary, but our experienced team will help you navigate the options and find the most appropriate solution for your situation.

If you would like support exploring your options, we are here to help.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/mortgages/bad-credit-mortgages/low-credit-score/

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

Address

4 East Terrace Business Park, Euxton Lane
Euxton
PR76TB

Website

http://www.mortgage-experience.com/

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