Amanda Philp - Mortgage and Protection Adviser

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Amanda Philp - Mortgage and Protection Adviser

Experienced mortgage and protection advisor. Based in Grimsby

20/03/2026

Have you had past credit issues and feel worried about being refused for a mortgage? 💭

You’re not alone — and it doesn’t always mean it’s the end of the road 🚫➡️🏡

I have access to specialist lenders who look at more than just your credit score, and there may be options available that you didn’t realise existed 🔍

If you’ve been holding back from applying or just want to understand where you stand, I’m here to help 🤝

Feel free to message me for a friendly, no-obligation chat 😊

18/03/2026

It’s no secret that interest rates have been rising recently 📈, and understandably, that’s causing concern for many homeowners and buyers.

While no one can predict exactly where the market will go next, what we can do is plan ahead and make informed decisions 🤝

If your fixed rate is due to end in the next 6 months, it could be worth reviewing your options now. In some cases, it’s possible to secure a new rate ahead of time, giving you a bit more certainty and peace of mind 🔒

If you’d like to explore what this could look like for you, feel free to get in touch — I’m always happy to have a no-obligation chat 😊

06/03/2026

Is your fixed rate coming to an end?

Did you know you can often lock in a new deal 6 months before your current rate expires?

I’ll review your existing lender’s offer and compare it with the wider market to see what works out best for you — saving you time and potentially money.

Don’t leave it until you drop onto the standard variable rate.

Message me if your rate ends soon and let’s get ahead of it.

04/03/2026

Are you a contractor and been told it’s “tricky” to get a mortgage?

The challenge isn’t your income — it’s finding a lender who understands how you’re paid. Day rates, short-term contracts, limited companies… it can all seem confusing.

I’ve helped other contractors navigate this and secure the right mortgage for their circumstances.

If you’re unsure where you stand, feel free to message me for a chat.

02/03/2026

It’s been a busy few weeks here!

Alongside arranging lots of mortgages, I’ve also been busy training our very cute new team member. 🐶

He’s settling in well… although he still has quite a bit to learn on the admin side! 😂

14/01/2026

Have you protected your income?

Your income is one of your most valuable assets — but it’s often the most overlooked.

Income Protection is designed to provide a regular monthly payment if you’re unable to work due to illness or injury, helping you keep up with your bills, mortgage, and everyday expenses when you need it most.

✔️ Covers a portion of your income
✔️ Pays out until you’re able to return to work (or for a chosen period)
✔️ Peace of mind for you and your family

Whether you’re employed, self-employed, or a business owner, I can help arrange cover tailored to your situation and budget.

📩 Message me to find out how Income Protection could work for you.

12/01/2026

REASONS TO USE A MORTGAGE BROKER 👇

Today I’ve been reviewing rates for clients who already have their mortgage agreed. With recent rate reductions across the market, I’ve been able to proactively switch some clients onto lower rates now available.

For one client in particular, I’ve switched their rate twice, meaning their monthly payment is now over £75 less per month than when it was first agreed 💷

Monitoring the market doesn’t stop once your mortgage is agreed — it’s all part of the service. I continuously keep an eye on rates to make sure my clients are always on the best deal possible.

If you want someone working in the background to save you money, I’m here to help.

📩 Message me to find out more.

**YOUR PROPERTY IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE**

11/01/2026

Thinking about applying for a mortgage this year?
Getting your credit score in shape is a great place to start.

Top tips:
✔️ Make sure you’re registered on the electoral roll
✔️ Pay bills and credit commitments on time
✔️ Keep credit card balances as low as possible
✔️ Avoid applying for multiple new credit accounts
✔️ Check your credit report for any errors

If you’d like advice tailored to your situation, feel free to get in touch.

09/01/2026

SUPPORT LOCAL BUSINESS

I have used Great Coates Motors several times and always get great service, can highly recommend. Get in touch with them if your in the market for something new as they can source vehicles for you 🚗🚗

06/01/2026

✨ New Mortgage Product Available ✨

Struggling to save a large deposit or worried about past credit issues? This could be worth a conversation 👇

A specialist lender is now offering mortgages with:
✅ Just a 5% deposit
✅ Consideration for some adverse credit history
✅ Minimum credit score of 200

This option could help buyers who may not fit standard high-street criteria get back on track towards homeownership.

📩 Message me today to see if this could be suitable for you and to explore your options.

**Subject to passing credit scoring and underwriting**
**Your property is at risk if you do not keep up payments on your mortgage**

05/01/2026

Very busy first day back in the office today — a great start to the new year 😄.
The mortgage market is looking positive for the year ahead, and I’m now welcoming new clients 🏠🏠
If you’re thinking about buying, moving, or remortgaging, feel free to get in touch.

Address

2 Cottage
Grimsby
DN364JL

Telephone

+447923351206

Website

http://www.wildeandwilde.co.uk/

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