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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.

02/11/2026

When you took out your current mortgage, your circumstances were probably different.

Your income may have changed.

Your plans may have changed.

You may have borrowed more, paid some of the mortgage off, started a family, changed jobs or simply decided that what you need from your mortgage is different now.

So when your current deal comes to an end, it's worth looking at the mortgage alongside your current circumstances — not just looking for another rate.

If things have changed and you're wondering what that could mean for your next mortgage, I'm happy to talk it through.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

31/10/2026

You've found the house.

You've got your deposit together.

And now comes the bit where you're wondering whether a lender will actually lend you enough to buy it.

The amount you can borrow can depend on your income, commitments, deposit, credit history and the lender's criteria — so having a deposit doesn't necessarily tell you the whole story.

If you're at this stage and not sure what happens next, I'm happy to talk it through with you.

No pressure — just a conversation about where you are and what may be possible.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

26/10/2026

7 YEARS OF TRUST

There’s something really special about helping people with their first home and continuing to support them years down the line.

These clients have been with me for 7 years, and I’m so grateful they’ve continued to trust me with their mortgages, additional borrowing and protection along the way.

Making sure you feel supported, understood and confident in the decisions you’re making is a big part of what I do. Mortgages can feel complicated, so being able to talk things through and know you have someone in your corner really matters.

Thank you so much for taking the time to leave such a lovely review and for your continued trust in The Mortgage Shed. It really does mean a lot. 🧡

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

24/10/2026

From sunsets to log burners. 🌅🔥

This was the view from The Mortgage Shed back on 25th September. Fast forward to 23rd October, and the log burner was on!

Autumn has definitely arrived. 🍂

I think there'll be a few more evenings like this over the coming weeks.

Hope you all have a lovely weekend.

20/10/2026

An Agreement in Principle can be a useful step when you're buying your first home, but it isn't a mortgage offer.

It gives an indication of how much a lender may be prepared to lend based on the information available at that stage.

There's still more to do before a mortgage can be approved, including the lender's full assessment of your circumstances and the property.

So if you've got an Agreement in Principle and are now wondering “What happens next?” — that's completely normal.

It's worth understanding what it means, what it doesn't mean, and whether the amount you've been given actually fits with the property you're looking at.

If you're not sure, feel free to get in touch and we can talk it through.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

18/10/2026

One of the biggest questions I hear when a fixed rate is coming to an end is:

“What is my mortgage payment going to be next?”

It can be difficult to know what your next payment might look like without looking at your individual circumstances and the options available to you.

Your remaining mortgage balance, term, interest rate and any changes to your circumstances can all make a difference.

And it's not always simply about finding the lowest rate. The right option for you will depend on what you're trying to achieve and what you're comfortable with.

If your mortgage deal is ending and you're worried about what happens next, feel free to get in touch.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

13/10/2026

Staying with your current lender may be a perfectly reasonable option.

But it's not the only option.

When your current mortgage deal is coming to an end, it's worth understanding what else may be available and considering whether it still fits your circumstances.

Things may have changed since you took out your existing mortgage — your income, your plans, the amount you owe or even what you want from your mortgage.

You don't necessarily need to move lenders, but it's worth making an informed decision rather than automatically accepting the first option put in front of you.

If your mortgage deal is coming to an end and you're not sure what to do next, feel free to get in touch.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

11/10/2026

If your fixed rate is ending next year, you don't necessarily need to wait until the last minute to think about it.

Starting the conversation earlier can give you time to understand what your options may look like and consider whether your current mortgage still fits your circumstances.

Your circumstances may have changed since you took your existing mortgage too — so it's worth looking at the bigger picture rather than simply replacing one deal with another.

If you're not sure when you should start looking at your remortgage, feel free to get in touch.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we 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.

Address

54 Quarry Park Road
Exeter
EX25PD

Telephone

+441392984148

Website

http://themortgageshed.com/

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