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Helping people across the UK buy their dream homes with expert mortgage advice!
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31/10/2026

Two big Budget announcements for the property market, and Mick’s here to break them down 🎥

🏡 Your First Home
First-time buyers in England could buy a new-build home with a 2.5% deposit. The government lends 20% through an equity loan, and a mortgage covers the remaining 77.5%. The loan is interest-free for five years, and it’s linked to your home’s value, so the amount you repay goes up if your home’s value rises. Household income caps (£110,000, or £140,000 in London) and local price caps apply. Pre-registration is expected by the end of December.

🏘️ Landlords
From April 2027, tax on rental income will rise to 24%, 44% and 49%, up from 20%, 40% and 45% today. That’s last year’s 2% increase plus another 2% announced in this Budget, and it applies to landlords who own property in their own name.

Buying your first home, or a landlord thinking about your next move? Get in touch and we’ll talk you through what these changes could mean for your plans.

📞01392 660219
📧[email protected]
🌐www.themortgagequarter.co.uk

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

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the actual amount borrowed.

20/10/2026

Reminder‼️

Our annual charity quiz is being held at The Stand Off on Wednesday 11th November.

We’re looking for a few more tables to play!

Get in touch to secure your table | £50 per team of 5

15/10/2026

Part 3. Playing the Imposter Game. Unfortunately, we still don’t think Charlie’s quite got the hang of it 😆

But Shane was the imposter and played everyone!

13/10/2026

A new first-time buyer scheme is on the way, and if you’ve been stuck on the deposit, this one’s worth knowing about 👀

Your First Home is expected to let first-time buyers in England buy a new build with just a 2.5% deposit, backed by a 20% government equity loan. That means a smaller mortgage and, with an interest-free period on the loan, potentially lower monthly payments in those early years.

There’s still plenty to be confirmed, like income and price caps, so keep an eye out after the Budget on 28th October. In the meantime, if you’re starting to think about buying, we’re always happy to chat it through 💬

📞01392 660219
📧[email protected]
🌐www.themortgagequarter.co.uk

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

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the actual amount borrowed.

09/10/2026

We are super excited to see that we have officially reached 700 5-star reviews on Google!

Thank you so much to everybody who has written us a review; we look through them in our team meetings every week 😊🎉

07/10/2026

September round-up 🍂

It’s been a big month at TMQ, so here’s what’s been happening.

Congratulations to Lewis and Amelia, who tied the knot last month! We’re so happy for you both 💍

Zoe and Iain have welcomed baby Nellie, our fourth TMQ baby this year!

On the rates front, we’re seeing them slowly creep up again as uncertainty around the world continues. If you’ve got a remortgage or purchase on the horizon, it could be worth having a chat with us sooner rather than later.

There’s some positive news for first-time buyers, though. The government has announced Your First Home, a new scheme designed to help first-time buyers in England get onto the property ladder. It’s for new build homes only and isn’t open yet, with more detail expected in the Autumn Budget on 28th October. We’ll be breaking it all down once we know more, so keep an eye on our socials.

We’ve also hit 700 five-star Google reviews! Thank you to every single one of you who has taken the time to leave one. We read them together in our team meeting every Wednesday, and they never fail to make our week.

And finally, save the date! Our charity quiz is taking place on 11th November at the Stand-off, continuing our support for ELF 🧠

06/10/2026

From today, many mortgage lenders will no longer accept 2024/25 tax calculations from self-employed applicants.

Most lenders work to an 18-month rule on income evidence, which means that as of 6 October, they’ll typically want to see 2025/26 figures. HMRC’s filing deadline for that year isn’t until 31 January 2027, so there’s a window where someone can be fully up to date with their tax return and still fall short of lender criteria.

For self-employed clients planning a purchase or remortgage this autumn or winter, filing early could make the process smoother. Lender requirements vary, so we’d always recommend speaking to a broker before applying.

📞01392 660219
📧[email protected]
🌐www.themortgagequarter.co.uk

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

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the actual amount borrowed.

02/10/2026

Every good quiz team needs a few key players. The one who knows every 90s one-hit wonder, the one who’s suspiciously good at flags, and the one who’s mainly there for the raffle (no judgement).

If your five are already forming in your head, now’s the time to make it official. Our annual Charity Quiz Night is back at The Stand Off, and we’re raising money for ELF (Exeter Leukaemia Fund) again this year, a cause we’re proud to keep supporting as our Charity of the Year.

📅 Wednesday 11th November
⏰ 7pm
💰 £50 per team of 5

Book your place by donating through our JustGiving page (link in bio). Bonus points for the best team name. Unofficial points, but points all the same 🏆

22/09/2026

Moving house but not sure what happens to your mortgage? 🏡

If you’re on a fixed deal you love, you might not have to give it up. Porting means taking your existing mortgage with you to your new home instead of starting from scratch, and it could help you dodge early exit fees too.

Buying somewhere pricier? You can usually top up your porting with extra borrowing on top.

It’s not automatic though. Your lender still needs to say yes to the new property and your circumstances, so it’s worth flagging early with your adviser.

📞01392 660219
📧[email protected]
🌐www.themortgagequarter.co.uk

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

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the actual amount borrowed.

Address

23 Richmond Road
Exeter
EX44JF

Opening Hours

Monday	8:30am - 6:30pm
Tuesday	8:30am - 6:30pm
Wednesday	8:30am - 6:30pm
Thursday	8:30am - 6:30pm
Friday	8:30am - 6:30pm
Saturday	9am - 5pm

Telephone

+441392660219

Website

http://www.themortgagequarter.co.uk/

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