The Mortgage Shed

The Mortgage Shed The Mortgage Shed could provide you with the right advice regarding the most suitable mortgage

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

The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property. Karen Snell trading as The Mortgage Shed, is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority

There may be a fee for

mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £295

The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Changing jobs doesn’t automatically mean you can’t get a mortgage — but lenders will want to look a bit closer at the de...
08/06/2026

Changing jobs doesn’t automatically mean you can’t get a mortgage — but lenders will want to look a bit closer at the detail.

From probation periods to job stability and your overall income history, every case is different. The good news is there are lenders out there who are more flexible than others — it’s just about finding the right fit for your situation.

If you’re unsure where you stand, it’s always worth getting advice before you apply so you don’t risk unnecessary credit checks or delays.

The precise amount will depend upon your circumstances but I estimate it will be £295.

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

When to Start RemortgagingA question that comes up a lot — and timing can make a real difference.Many lenders allow you ...
05/06/2026

When to Start Remortgaging

A question that comes up a lot — and timing can make a real difference.

Many lenders allow you to secure a new mortgage deal up to six months before your current fixed rate ends.

This can give you time to review your options and avoid moving onto your lender’s standard variable rate, which is often higher.

If rates change before your new deal starts, there may also be options to review and switch, depending on the lender and your circumstances.

If your current deal is coming to an end this year, it’s worth starting the conversation early so you can understand what’s available.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but I estimate it will be £295.

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


What happens if your buildings insurance isn’t high enough?Buildings insurance is usually based on the rebuild cost of y...
31/05/2026

What happens if your buildings insurance isn’t high enough?

Buildings insurance is usually based on the rebuild cost of your property — not what it’s worth on the market.

If your cover is set too low, insurers may apply something called “average”.

This means if you’re only insured for part of the rebuild cost, any claim could be reduced in proportion.

For example, if your property should be insured for £200,000 but is only insured for £100,000, you’re effectively insured for 50% of the rebuild cost.

So, if you made a claim for £100,000, the insurer may only pay £50,000.

It’s something that can easily be overlooked, so it’s worth checking your cover regularly to make sure it still reflects your property.

Information is for general guidance and does not constitute advice.

Cover, terms and conditions will vary between providers and depend on your individual circumstances.

What is a DIP or AIP? 🏡You might hear both of these terms when you start looking at mortgages — DIP and AIP.They mean th...
28/05/2026

What is a DIP or AIP? 🏡

You might hear both of these terms when you start looking at mortgages — DIP and AIP.

They mean the same thing.

A Decision in Principle (DIP), also known as an Agreement in Principle (AIP), is an initial indication of how much a lender may be willing to lend you, based on some basic information.

It can be useful when you’re starting to view properties, as it shows you’ve taken an early step with a lender.

It’s not a guarantee, but it can help you understand your position before making an offer.

If you’re not sure when to arrange one or how it works, feel free to get in touch.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but I estimate it will be £295.

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

Pleased to share that I’ve been selected for the Certificate in Financing Greener Homes Scholarship Scheme, funded by Ll...
24/05/2026

Pleased to share that I’ve been selected for the Certificate in Financing Greener Homes Scholarship Scheme, funded by Lloyds Banking Group.
The programme focuses on energy efficiency, home improvements, and greener housing considerations within the mortgage market — an area becoming increasingly relevant for homeowners.
Looking forward to building further knowledge over the coming weeks so I can continue supporting clients with clear and practical guidance when these conversations arise.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but I estimate it will be £295.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage ProtectionIt’s something that’s often overlooked.Many people protect the things they own — but not always the m...
22/05/2026

Mortgage Protection

It’s something that’s often overlooked.

Many people protect the things they own — but not always the mortgage that pays for their home.

Life insurance and critical illness cover can help provide financial support if something unexpected happens, helping to protect your home and your family.

It’s not about adding pressure — just understanding what options are available to you and whether they’re right for your situation.

If you’d like to review your current cover or understand what’s available, feel free to get in touch.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but I estimate it will be £295.

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


Receiving thoughtful feedback like this always means a lot 💜Remortgaging can still feel stressful and time consuming, so...
20/05/2026

Receiving thoughtful feedback like this always means a lot 💜

Remortgaging can still feel stressful and time consuming, so being able to help make the process smoother for clients is incredibly rewarding.

Thank you for the lovely card and kind words — they were very much appreciated 🐝

Mortgage jargon can feel confusing — but it doesn’t have to be.What is LTV? LTV stands for Loan-to-Value. It’s simply th...
17/05/2026

Mortgage jargon can feel confusing — but it doesn’t have to be.

What is LTV?

LTV stands for Loan-to-Value. It’s simply the size of your mortgage as a percentage of your property’s value.
For example: if you buy a £200,000 home with a £20,000 deposit, your LTV is 90%.
Why does it matter? A lower LTV generally means access to better interest rates and more lender options.
Got a mortgage term that confuses you? Drop it in the comments below and I’ll explain it! 👇 ”
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but I estimate it will be £295.

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

📌 What’s the difference between a product transfer and a remortgage?Capital Repayment Calculator - The Mortgage ShedWebs...
15/05/2026

📌 What’s the difference between a product transfer and a remortgage?
Capital Repayment Calculator - The Mortgage Shed
Website: themortgageshed.com
Email: [email protected]
Get in touch for an initial call: 01392 984148

Address

54 Quarry Park Road
Exeter
EX25PD

Telephone

+441392984148

Website

Alerts

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

Shortcuts

Share

Category