Alina Butnariu at Mortgage Hub Expert Ltd

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Alina Butnariu at Mortgage Hub Expert Ltd

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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. 🏡❤️

30/10/2026

🏡 Can you get a mortgage using Power of Attorney?
Did you know that having Power of Attorney doesn't automatically mean you can take out a mortgage on someone else's behalf?
A Power of Attorney allows you to make certain decisions for another person, but when it comes to mortgages, things can be more complicated!
Some lenders may accept applications involving Power of Attorney, while others have stricter requirements.
They may need to check: ✅ What type of Power of Attorney is in place
✅ Whether it gives the necessary legal authority
✅ Whether the lender accepts the arrangement
✅ Whether the mortgage is in the person's best interests
And remember, if the property is jointly owned, there may be additional legal requirements.
💚 My advice? Before assuming a mortgage isn't possible, speak to a mortgage adviser who can explore the available options.

I'm Alina Butnariu, Mortgage Adviser at Mortgage Hub Expert.
📞 07481 102250
Your home may be repossessed if you do not keep up repayments on your mortgage.

28/10/2026

🏡💚 Hello, Herefordshire!

Thinking about buying your first home, moving house or reviewing your current mortgage?

I'm Alina, your friendly local mortgage adviser, and I'd love to help you! 😊
I know how exciting, but sometimes overwhelming, the mortgage journey can feel. That's why I'm here to make things easier, explain your options clearly and guide you every step of the way.

📍 Based in Herefordshire
☕ Happy to meet face-to-face or online
🏡 Access to a wide range of mortgage lenders

📞 07481 102250
Let's turn your property plans into reality! 🔑💚
Alina Butnariu
Mortgage Adviser | Mortgage Hub Expert

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

26/10/2026

Can You Get a Mortgage While Receiving Universal Credit?
🏡
“Are you receiving Universal Credit and think you can't get a mortgage? Think again!”
“Did you know that some mortgage lenders will consider Universal Credit as part of your income?
And that's not all!
Some lenders may also consider Child Benefit, Disability Living Allowance and other eligible benefits.
Every lender has different criteria, and they'll assess your income, expenses and overall affordability.
So don't automatically assume you can't buy a home!
I'm Alina Butnariu, Mortgage Adviser at Mortgage Hub Expert.
Let's explore what mortgage options may be available to you!”

23/10/2026

🏡 Found your dream countryside home, but it has an agricultural tie?

You might be wondering — can you still get a mortgage?

An agricultural tie is a planning restriction that limits who can live in the property.

Usually, you need to work, or have previously worked, in agriculture or another qualifying rural occupation.

But here's the good news! 🌳

Some specialist mortgage lenders may consider these properties, depending on your circumstances and the exact restrictions.

Not all lenders accept agricultural ties, so getting the right advice is important!

I'm Alina Butnariu, Mortgage Adviser at Mortgage Hub Expert. Let's explore your mortgage options!

Mortgage approval is subject to lender criteria, affordability and property suitability. Your home may be repossessed if you do not keep up repayments on your mortgage.

21/10/2026

Did you know you can buy investment properties through a limited company?
More landlords are exploring this option, and here's why!
A limited company structure may offer potential tax-planning advantages and can be useful when building a property portfolio.
But it's not suitable for everyone! Mortgage costs, tax implications and lender criteria need careful consideration.
I'm Alina Butnariu, Mortgage Adviser at Mortgage Hub Expert.
Thinking about buying a rental property? Let's explore your mortgage options!
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage. Tax treatment depends on individual circumstances. Mortgage eligibility is subject to lender criteria.

18/10/2026

"You're in the middle of a five-year fixed mortgage, but you've found your dream home. Can you move?"
"Yes, potentially!
Some residential mortgages are portable.
That means you may be able to transfer your existing mortgage product to your new property.
But you'll still need to meet the lender's affordability and eligibility criteria.
And if you need to borrow more, the
additional amount could be on a different rate.
Before making a decision, check your mortgage options and any early repayment charges!"
Your home may be repossessed if you do not keep up repayments on your mortgage.

13/10/2026

““Going through a divorce and worried about your mortgage?
Here's something important!
Divorce doesn't automatically stop you from getting a mortgage.
Whether you're buying a new property or hoping to keep your existing home, there may be options available.
Lenders will assess your income, financial commitments and affordability.
Your next chapter could still include a home of your own!”
I'm Alina, your mortgage adviser. Follow for more mortgage facts!”

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

12/10/2026

“Did you know Disability Living Allowance could potentially help with your mortgage affordability?”
🏡 Some mortgage lenders may consider DLA as part of your income when assessing how much you can borrow.
But every lender has different criteria. They may look at:
✅ How much DLA you receive
✅ How regularly it is paid
✅ How long the award is expected to continue
✅ Your other income and monthly commitments
So, receiving DLA does not automatically stop you from getting a mortgage — and in some cases, it may support your affordability.
📩 Speak to a mortgage adviser who can check which lenders may be suitable for your circumstances.
Alina Butnariu | Mortgage Adviser
Your home may be repossessed if you do not keep up repayments on your mortgage.

10/10/2026

When most homeowners review their mortgage, their attention naturally turns to interest rates and monthly payments. However, there is another important feature that could have a significant impact on your finances: your mortgage term. Your mortgage term is the length of time you have agreed to repay your borrowing for the whole mortgage amount. While many people simply keep the same term when they remortgage, your circumstances may have changed considerably since you first arranged your mortgage. For some borrowers, reducing their mortgage term could allow them to become mortgage-free sooner and potentially reduce the total amount of interest paid over the life of the loan. Others may prefer greater flexibility and lower monthly payments, which could make a longer term worth considering. Changes in income, family commitments and retirement plans can all influence whether your existing term remains suitable. What made sense five or ten years ago may not necessarily reflect your current priorities. If your mortgage deal is due to end in the coming months, a remortgage provides an ideal opportunity to review not only your interest rate but also the structure of your borrowing. Small adjustments could make a meaningful difference to your long-term plans. Every situation is different, which is why it’s important to understand the options available before making any decisions. If you’d like to review your mortgage and explore whether your current term still meets your needs, get in touch today.
If you’d like to discuss the options available to you, send me a message !

08/10/2026

🎬 MORTGAGE IQ 🧠
Can You Beat the Broker?
Think you know mortgages? 🏡🧠
Welcome to MORTGAGE IQ!
Can YOU beat the broker?"
One question. Three possible answers. Only FIVE seconds to decide!
Are you ready?"
I'm Alina Butnariu, your Mortgage Adviser!
Let's see how much you really know!
Comment your answer and challenge your friends!"

🧠 MORTGAGE IQ
🏡 CAN YOU BEAT THE BROKER?
🎯 NEW QUESTIONS, NEW CHALLENGES!
Follow Alina Butnariu at Mortgage Hub Expert Ltd

Address

Staunton Court Business Park
Gloucester
GL193QS

Telephone

+447481102250

Website

http://www.mortgagehubexpert.com/, https://calendly.com/alina-mortgagehubexpert/discovery-call-with-alina-butnariu

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