Alina Butnariu at Mortgage Hub Expert Ltd

Alina Butnariu at Mortgage Hub Expert Ltd Helping you make that dream home a reality! Hi I'm Alina! I'm a friendly mortgage broker who loves helping people achieve their dream of owning a home.

Whether you're buying your first home, moving house, mortgaging, or investing in property, I'll be by your side to make the process as simple and stress-free as possible. No jargon, no pressure—just honest advice, clear guidance, and support every step of the way. I understand that every client is different, which is why I take the time to listen, understand your goals, and find a mortgage solution that works for you and your family.

✨ First-Time Buyers
✨ Home Movers
✨ Remortgages
✨ Buy-to-Let Mortgages
✨ Self-Employed Applicants
✨ Advice in English & Romanian

If you're thinking about buying a home or simply want to understand your options, feel free to send me a message. I'd love to help! Making your home a reality, one step at a time. 🏡❤️

09/09/2026

I’ve saved £10,000. Can I buy a house?”
Maybe — but the answer depends on the property price and the mortgage available to you.
For example, your deposit is only one part of the calculation.
You also need to think about affordability and additional buying costs such as solicitors, surveys, mortgage fees, removals and potentially Stamp Duty.
So don’t ask only, “Is my deposit enough?”
Ask, “What can I realistically afford from start to finish?”

07/09/2026

“Can you get a mortgage after 50 or 60?
“Think you’re too old for a mortgage because you’re over 50?”
Age alone doesn’t automatically stop you getting a mortgage.
A lender may consider your intended retirement age, pension income, employment, affordability and how long you want the mortgage term to be.
Some lenders are more flexible than others.
So if you’re buying, moving home or remortgaging later in life, it’s worth exploring the options before ruling yourself out.

01/09/2026

“STOP! ✋ Before you go straight to your bank for a mortgage… listen to this.
Your bank can usually only offer you their own mortgage products.
But that doesn’t necessarily mean their mortgage is the most suitable one for you.
As a mortgage broker, I can look at options from a range of different lenders and consider your individual circumstances.
Your income, deposit, credit history, employment and future plans can all make a difference.
And remember…
A good mortgage isn’t just about the lowest rate — it’s about finding the right fit for YOU.
So before you accept what your bank offers…
Explore your options. 🏡
I’m Alina, Mortgage Adviser at Mortgage Hub Expert.
Follow me for more mortgage tips!
Your home may be repossessed if you do not keep up repayments on your mortgage.

29/08/2026

Divorce & Your Mortgage

“Going through a divorce or separation and you have a mortgage together?

One of the biggest questions is often: What happens to the house?

You may have several options.

One person may be able to take over the mortgage and buy the other person out, subject to affordability and the lender’s criteria.

You could decide to sell the property, repay the existing mortgage and divide the remaining equity.

Or, depending on your circumstances, you may need to keep the mortgage jointly for a period of time while you decide what happens next.

But remember — if you have a joint mortgage, you are both responsible for the full mortgage payments until the lender formally agrees to a change.

Before making any decisions, it’s important to understand what you can realistically afford on your own and what mortgage options may be available.

If you’re separating and you’re unsure what happens to your mortgage, speak to a mortgage adviser and get your options clear before taking the next step.

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

26/08/2026

“Found a property you love? Before you get carried away with the kitchen or the décor, here are a few important things to check.”
When you view a property, look beyond how it has been presented.
👀 Check the condition of the property.
Look for signs of damp, cracks in the walls, damaged windows, problems with the roof, or anything that may need expensive repairs.
📍 Think about the location.
What is the area like? How close are schools, shops, transport links and your workplace?

25/08/2026

STAMP DUTY – DON’T FORGET THIS COST! 🏡💷
“Buying a house? Your deposit isn’t the only money you need to budget for!”
Stamp Duty can be one of the biggest additional costs when buying a property.
If you’re a first-time buyer, you may qualify for Stamp Duty relief.
Currently, in England and Northern Ireland, if the property costs £500,000 or less, you pay no Stamp Duty on the first £300,000, and 5% on the amount between £300,000 and £500,000.
If you’re moving home, different rates apply, starting from properties above £125,000.
And if you’re buying an additional property, such as a Buy-to-Let, you’ll usually pay a higher rate of Stamp Duty.
So before you decide how much deposit you can put down, make sure you’ve allowed for Stamp Duty, solicitor fees, surveys and other buying costs too.
Not sure how much you need to budget?
Speak to a mortgage adviser before you start your property search.

Alina Butnariu
Mortgage Adviser | Mortgage Hub Expert

23/08/2026

Want to improve your credit score before applying for a mortgage?
Here are a few simple things that can help.
First, make sure you’re registered on the electoral roll at your current address.
Pay your bills and credit commitments on time, every month.
Try to keep your credit card balances low and avoid using all of your available limit.
Avoid making lots of credit applications in a short period of time, as multiple hard searches may affect your credit profile.
Check your credit report regularly and make sure all the information is correct.
And where possible, reduce existing debts before applying for a mortgage.
Remember, lenders don’t look at just one credit score. They’ll also consider your income, commitments, deposit and overall credit history.
If you’re thinking about applying for a mortgage and you’re unsure how your credit history may affect you, speak to a mortgage adviser before you apply.

21/08/2026

Your bank declined your mortgage. Does that mean you can't get one?
Not necessarily.
Different lenders have different affordability calculations and lending criteria.
One lender might not be comfortable with your circumstances, while another may assess them differently.
This can be particularly important if you're self-employed, receive overtime or bonuses, have more than one income, or have had some credit issues in the past.
So don't automatically assume one "no" means the answer is no everywhere.
Speak to a mortgage adviser and understand your options before making your next move.
Your home may be repossessed if you do not keep up repayments on your mortgage

16/08/2026

What Happens After Completion?
“Your mortgage has completed, you’ve collected the keys… so what happens next?
On completion day, the mortgage funds are transferred through your solicitor and, once everything is confirmed, the property officially becomes yours.
You can collect your keys and start moving into your new home.
But there are still a few things happening behind the scenes.Your solicitor will normally deal with any Stamp Duty requirements and register you as the new owner of the property with HM Land Registry.
You should also check when your first mortgage payment is due and how much it will be, as your first payment can be different from your normal monthly payment.
Then remember the practical things: update your address, contact your utility providers, take meter readings, arrange Council Tax and make sure your insurance is in place.
And keep all your mortgage and legal documents somewhere safe.
Completion is a big milestone — it’s the moment all that paperwork finally turns into your new home.
If you’re buying a property and you’d like someone to guide you through the mortgage process from application to completion, get in touch.

Alina Butnariu
Mortgage Adviser
Mortgage Hub Expert
📞 07481 102250

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

Buying a home? 🏡 Don’t forget — your deposit isn’t the only cost to plan for.When buying a property, you may also need t...
15/08/2026

Buying a home? 🏡 Don’t forget — your deposit isn’t the only cost to plan for.

When buying a property, you may also need to budget for:

• Solicitor or conveyancing fees
• Survey costs
• Mortgage valuation fees
• Stamp Duty, depending on your circumstances
• Mortgage product or arrangement fees
• Buildings insurance
• Removals, furniture and any repairs or decorating

Having a clear picture of the full cost of buying can help you plan with confidence and avoid unexpected surprises along the way.

If you’re thinking about buying a home and would like to understand your mortgage options and the costs involved, feel free to get in touch.

Alina Butnariu
Mortgage Adviser | Mortgage Hub Expert
📞 07481 102250



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

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