Next Chapter Mortgages

16/10/2026

Are you wondering if you’re ready to start house hunting? 🔑

We’re here to guide you through the home-buying process, helping you move forward with confidence.

At your first appointment, we’ll talk you through your affordability, mortgage costs and the deposit options available based on your circumstances.

We’ll also put your Decision in Principle in place. This is important, as it’s often requested by an estate agent when you have an offer accepted on a property or when reserving a new build. 🏠

14/10/2026

If you’re thinking about purchasing a property to rent out, there are a few things to consider before getting started.🏡

From researching the rental market and potential areas to understanding the mortgage options and wider costs involved, it’s important to look at the bigger picture.

Your individual circumstances and future plans will also play a part in deciding whether a buy-to-let is right for you.

12/10/2026

Thinking of going for a new build? 🏡

Before you reserve a plot, here are three things you’ll typically need:

1. A Decision in Principle in place before reserving your plot
2. A solicitor to handle the legal work
3. A reservation fee to secure the plot

11/10/2026

Your mortgage rate ends in less than six months: should you secure your new deal now?

There are 2 points to consider:
• Your existing mortgage lender rates to compare may not be available until 3-4 months prior to the end date.
• If you wait, rates may have increased by then.

Where locking in a new deal secures that rate. We then continue to monitor the rate. If it reduces prior to the end of you current deal, we will let you know and switch.

There’s no one-size-fits-all answer. The right approach will depend on your individual circumstances, including your current mortgage, your priorities and the options available to you.

Understanding the potential benefits, risks and costs can help you make a more informed decision.

10/10/2026

08/10/2026

Helping clients get the keys to their dream homes is always a fantastic feeling! 😊

Thank you to this client for this lovely 5-star review. We were able to secure a mortgage even though they were self-employed.

With the right advice and personalised support, you too can move into your dream home. 🏠

08/10/2026

06/10/2026

06/10/2026

This is our last full week in the office, before we are off on annual leave from 10th–25th October. Jon will still be available for anything urgent during this time.

If you’re planning to Remortgage in the next 6 months or starting to house hunt, please plan ahead🏠

We’ll all be back in the office from Monday 26th October! 🙌

04/10/2026

Do you know the difference between buildings and contents insurance? 🏠

They’re often grouped together as ‘home insurance’, but they actually cover different things.

Buildings insurance covers the structure of your home, while contents insurance covers the belongings inside it.

Having the right cover in place means understanding what each policy protects and making sure it reflects your individual circumstances.