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Stephen Murray - Mortgage and Protection Adviser

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United Kingdom
Bellshill, Scotland
Stephen Murray - Mortgage and Protection Adviser

Expert mortgage advice made simple! Whether your buying, remortgaging, or investing, let's make your mortgage journey easy and as stress free as possible

25/06/2026

📣 𝗙𝗜𝗥𝗦𝗧 𝗛𝗢𝗠𝗘 𝗙𝗨𝗡𝗗 𝗦𝗖𝗢𝗧𝗟𝗔𝗡𝗗 𝗔𝗣𝗣𝗟𝗜𝗖𝗔𝗧𝗜𝗢𝗡𝗦 𝗡𝗢𝗪 𝗢𝗣𝗘𝗡🏡

As announced by the Scottish Government yesterday, applications for the First Homes Fund Scotland are now open from today.

This is an excellent opportunity for eligible first-time buyers looking to take their first step onto the property ladder.

If you or anyone you know could benefit from this, please feel free to tag them below or contact me directly🤩

For full details of the scheme, please visit:

https://www.mygov.scot/first-homes-fund

08/06/2026

📢 CALLING ALL FIRST TIME BUYERS 📢

The Scottish Government has confirmed the return of the First Home Fund, offering eligible first-time buyers a £10,000 contribution towards their deposit 🏡

✅ £10,000 deposit contribution
✅ Support for eligible first-time buyers in Scotland
✅ Helps make home ownership more affordable
✅ A huge boost for buyers saving for their first move

The full terms and eligibility are expected to be clarified over the coming weeks so watch this space 🤩

With demand expected to be high, now is a great time to start preparing for your first purchase.

If you or anyone you know could benefit from this, tag them below or contact me for more info📱📞✉️

15/04/2026

𝗙𝗜𝗫𝗘𝗗 𝗢𝗥 𝗧𝗥𝗔𝗖𝗞𝗘𝗥 𝗥𝗔𝗧𝗘 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 🤔🏡

With rates constantly changing, the question everyone’s asking me …👇

“𝗗𝗼 𝗜 𝗹𝗼𝗰𝗸 𝗶𝗻 𝗮 𝗳𝗶𝘅𝗲𝗱 𝗿𝗮𝘁𝗲 𝗻𝗼𝘄 𝗼𝗿 𝗿𝗶𝗱𝗲 𝘁𝗵𝗲 𝗿𝗮𝘁𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗵𝗼𝗽𝗲 𝘁𝗵𝗲𝘆 𝗿𝗲𝗱𝘂𝗰𝗲?”

So lets start by discussing the pros and cons of both:

🔒 𝗙𝗜𝗫𝗘𝗗 𝗥𝗔𝗧𝗘:
✔️ Peace of mind
✔️ Your payments stay the same
✔️ Protected from rate rises 📈
✔️ Easier to budget month to month
✔️ Short and longer term options available

❌ You won’t benefit if rates drop
❌ Early repayment charges will apply to exit the deal early
---

📊 𝗧𝗥𝗔𝗖𝗞𝗘𝗥 𝗥𝗔𝗧𝗘:
✔️ More flexibility to review
✔️ Moves with the Bank of England rate
✔️ Benefit if rates fall 📉
✔️ Often fewer restrictions or lower exit penalties to review early

❌ Payments can go up at any time
❌ Less certainty for budgeting
---

𝗦𝗼… 𝘄𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗱𝗼?
💬 The truth is, the right choice depends on your situation, income, and whats important to you. There is no right or wrong answer.

With all of the uncertainty in the market right now, it’s difficult to know what things will look like tomorrow, never mind in years to come🫣

My advice, do what works best for you and your circumstances.

Let me know in the comments … 𝗪𝗵𝗮𝘁 𝘁𝘆𝗽𝗲 𝗼𝗳 𝗿𝗮𝘁𝗲 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗶𝗻𝗴 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 𝗮𝗻𝗱 𝘄𝗵𝘆? 🤔

30/03/2026

The things you love to see on a Monday morning 😍

2 mortgage offers in before lunchtime 👊

Hopefully a sign of things to come for the week ahead 💃

25/03/2026

✨ 𝗧𝗛𝗜𝗦 𝗼𝗿 𝗧𝗛𝗔𝗧? ✨

Talk about kitchen vibes 😍 but … which one would YOU choose?

👍 = Modern, sleek & stylish
❤️ = Cozy farmhouse charm

Would you go for the clean and luxury finishes, or warm wood and rustic comfort?

Drop your vote below and tell me why in the comments! 👇

24/03/2026

Perfect example of why being organised for your remortgage can make a big difference 📊

I submitted a remortgage application on Friday for a client whose fixed deal expires on 31 August 2026.

4.2% fixed rate secured on application ✅

The equivalent rate with the same lender today is now 4.79%⚠️

Within just two days, not securing this rate would have cost my client an extra £97 per month 🤯

If your fixed deal is ending within the next 6 months, don’t wait until its too late 📈

20/03/2026

𝗔𝗻𝗼𝘁𝗵𝗲𝗿 𝗴𝗿𝗲𝗮𝘁 𝘄𝗲𝗲𝗸 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗯𝗼𝘁𝗵 𝗻𝗲𝘄 𝗮𝗻𝗱 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗰𝗹𝗶𝗲𝗻𝘁𝘀🏡🛡️

Just wrapping up for the day and thought I would share some of this weeks highlights:

▪️First time buyer AIP agreed for a 5% deposit mortgage after being declined by their own bank 🤩

▪️Three new purchase AIPs agreed for clients looking to start their property journey 🏡

▪️Two remortgage applications submitted for clients who’s current fixed deals don’t end until 31 August 2026. Securing a new fixed deal early, protecting them against any volatility in the market over the coming months🔒

▪️Protection review for an existing client looking to upgrade existing cover to include further conditions for a potential payout 🛡️

Hope you all have an amazing weekend and get to enjoy some well overdue sunshine💃 ☀️

18/03/2026

𝗣𝗮𝘆𝗶𝗻𝗴 𝗢𝘃𝗲𝗿 𝗛𝗼𝗺𝗲 𝗥𝗲𝗽𝗼𝗿𝘁 𝗩𝗮𝗹𝘂𝗲 𝗶𝗻 𝗦𝗰𝗼𝘁𝗹𝗮𝗻𝗱?
– What it 𝗥𝗘𝗔𝗟𝗟𝗬 means for your deposit 💷

If you’re house hunting in Scotland right now, you’ve probably heard this👇

“You’ll need to offer over Home Report value”🤔

𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗛𝗼𝗺𝗲 𝗥𝗲𝗽𝗼𝗿𝘁 𝘃𝗮𝗹𝘂𝗲?🏡
It’s the valuation of the property carried out by a surveyor to determine what the property is worth. This is what lenders use to decide how much they’ll lend you.

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗲𝗿𝗲 𝗶𝘁 𝗴𝗲𝘁𝘀 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗱𝗲𝗽𝗼𝘀𝗶𝘁📊
Home Report value = £200,000
You offer = £215,000

Lenders will base your mortgage on the £200,000, 𝗡𝗢𝗧 your offer.

10% of £200,000 = £20,000
The extra £15,000 you offered above the value… 𝗬𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗰𝗼𝘃𝗲𝗿 𝘁𝗵𝗮𝘁 𝗶𝗻 𝗳𝘂𝗹𝗹, 𝗶𝗻 𝗰𝗮𝘀𝗵
Total deposit actually needed = £35,000

You might have enough for a 10% deposit…But not enough to cover the gap above the valuation.

𝗕𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗳𝗮𝗹𝗹 𝗶𝗻 𝗹𝗼𝘃𝗲 𝘄𝗶𝘁𝗵 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆, 𝗶𝘁’𝘀 𝘄𝗼𝗿𝘁𝗵 𝗸𝗻𝗼𝘄𝗶𝗻𝗴:
✔️ What you can borrow
✔️ What you can realistically offer
✔️ How much cash you actually need

16/03/2026

🏡 House hunting soon? Get an Agreement in Principle first.

An Agreement in Principle (AIP) shows how much a lender may be willing to lend you before you start viewing properties.

It helps you:
▪️Understand your budget ✍️
▪️Be taken more seriously by estate agents and sellers when making offers 💷
▪️Move faster when you find the right home 🏃

It’s a quick step that can make the whole buying process much smoother.

Thinking about buying a home? Getting prepared early can make all the difference!

Address

Bellshill

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm

Telephone

+441416734016

Website

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