The Mortgage Way - Nichola Graham

08/06/2026

……………...💐🏡💐🏡💐🏡💐🏡………………….

Excited to share this beautiful home on behalf of my lovely clients!

Whether you’re looking for your first home, or searching for your next investment this property ticks lots of boxes. 🏠

If you are starting with house hunting we are here to help you;

❓How much can I borrow?
❓How much deposit do I need?
❓What will my monthly payments be?

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

Feel free to share if you know someone who might be interested!

2 bed terraced house for sale in Manorley Lane, Bradford BD6, selling for £130,000 from Hamilton Bower. See property details on Zoopla or browse all our range of properties in Manorley Lane, Bradford BD6.

05/06/2026

❤️🌟🏡🌟🏡 𝗙𝗥𝗜𝗗𝗔𝗬 𝗙𝗔𝗖𝗧!🏡🌟🏡🌟❤️

Many homeowners spend weeks finding the right mortgage but only 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 thinking about how they would keep up payments if life took an 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 turn.

Mortgage protection can help provide 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 security if illness, injury, or other unforeseen circumstances affect your ability to earn an income for you and your loved ones ❤️

Ask yourself:
✅ Could your household manage the mortgage on one income?
✅ Do you have enough savings to cover several months of payments?
✅ Have your protection needs changed since you took out your mortgage?

A quick protection review can help ensure your home and family are protected against the unexpected.

📩 If you’d like to discuss your options or review your existing cover, give me a call or drop me a message!

02/06/2026

🌟 𝙄 𝙘𝙖𝙣𝙩 𝙗𝙚𝙡𝙞𝙚𝙫𝙚 𝙞𝙩𝙨 𝙅𝙪𝙣𝙚 𝙖𝙡𝙧𝙚𝙖𝙙𝙮!🌟

It’s been a busy start to the year for The Mortgage Way Team, and I just wanted to say a huge 𝙏𝙃𝘼𝙉𝙆 𝙔𝙊𝙐 to all our clients for keeping us busy and for recommending us to your family and friends. We truly appreciate your support!

🏡 𝙃𝙤𝙬 𝙬𝙚 𝙢𝙞𝙜𝙝𝙩 𝙗𝙚 𝙖𝙗𝙡𝙚 𝙩𝙤 𝙝𝙚𝙡𝙥 𝙮𝙤𝙪:

✅ First-Time Buyers�✅ Home Movers�✅ Buy-to-Let Mortgages�✅ Remortgages�✅ Additional Borrowing for Home Improvements�✅ Additional Borrowing to Repay Existing Debts

If you're thinking about moving, buying your first home, reviewing your current mortgage, or raising funds for home improvements, we're here to help.

📞 Feel free to get in touch.

Thank you again for your continued support! ❤️

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

29/05/2026

I’ve been asked this question 3 times this week - which is absolutely fine, because no question is ever a silly question 😊

So I thought I’d share it here too…

“If my mortgage has 2, 3 or more parts/rates to it, can I move one part to one lender and another part to a different lender?”

The answer is: No, you can’t.

Your mortgage has to stay with one lender, even if it’s split into different parts or rates.

However, if one part of your mortgage parts is due for renewal, you can look at options for that part specifically.

Your main options are:

🔹 Stay with your current lender and secure a new rate on the part that’s ending
🔹 Pay any early repayment charges and move the whole mortgage to a new lender altogether

There are quite a few factors to consider, which is why it’s always worth speaking to a mortgage broker (me! 👋).

I can crunch the numbers with you, explain your options clearly, and help you decide what’s best for your situation.

Feel free to message me if you’re unsure about your mortgage options 😊

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

28/05/2026

𝑯𝒐𝒘 𝒅𝒐 𝑰 𝒉𝒆𝒍𝒑 𝒚𝒐𝒖? 👇

A little behind-the-scenes from today …

☕ Started the day with a couple of brews and a dog walk.
📉 Text a client to say rates had dropped - so I reduced his rate.
🏡 Put two clients in a strong position with Mortgage in Principles so they can confidently offer on homes.
✅ Instructed surveys and solicitors for a client whose offer was accepted.
📊 Helped another client after their property was down valued by reworking the figures so the purchase still works.

𝑨𝒏𝒅 𝒕𝒉𝒂𝒕'𝒔 𝒋𝒖𝒔𝒕 𝒑𝒂𝒓𝒕 𝒐𝒇 𝒕𝒉𝒆 𝒅𝒂𝒚!

This is why using a mortgage broker matters.

It’s not just about getting a rate - it’s having someone in your corner when things don’t go to plan.

We work with your lenders, solicitors, surveyors and estate agents to keep everything moving smoothly… because who has time to juggle all that on top of work? 😳

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

27/05/2026

𝗧𝗵𝗲 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝗰𝗲 𝗼𝗳 𝗵𝗮𝘃𝗶𝗻𝗴 𝗮 𝘀𝘂𝗿𝘃𝗲𝘆 𝘄𝗵𝗲𝗻 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 🏡

Buying a house is the most 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲 item you will ever buy!

So it’s 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 that you know what you are getting for your 𝗺𝗼𝗻𝗲𝘆!!

⚠️ Is it worth what you are paying?
⚠️Is it structurally sound?
⚠️Are there any major problems - roofing,Electrical, damp?

It might cost you a 𝒇𝒆𝒘 𝒉𝒖𝒏𝒅𝒓𝒆𝒅 𝒑𝒐𝒖𝒏𝒅𝒔 at the beginning but it could 𝒔𝒂𝒗𝒆 𝒚𝒐𝒖 𝒕𝒉𝒐𝒖𝒔𝒂𝒏𝒅𝒔 in the long run.

We will always recommend you have a Homebuyers / Level 2 survey.

18/05/2026

I’ve just got back from an amazing holiday in Florida ☀️🌴🇺🇸

You might never be too old for Disney… but I’m definitely too old for some of those rollercoasters 🎢😂

We saved up for the holiday, the park passes and the spending money 💰

And it got me thinking 🤔

Without question, I took out Travel Insurance.
It was optional, not compulsory.

But we all do it “𝑱𝒖𝒔𝒕 𝒊𝒏 𝒄𝒂𝒔𝒆 ”…
✈️ Flights get cancelled
🤒 We become poorly
🧳 Luggage gets lost

Yet we save FAR more for our house deposits and commit to mortgage debts for 25 years or more - the holiday only lasted 12 days! 🏡

And still people wonder if they really need Income Protection 🤷‍♀️

It’s crazy really… of course we do.

“𝑱𝒖𝒔𝒕 𝒊𝒏 𝒄𝒂𝒔𝒆 ” we’re unable to work through illness or injury, lose our income, and risk losing the things we’ve worked so hard for.

✅ Protect your income
✅ Protect your home
✅ Protect your family
✅ Protect your lifestyle

If you’d like to explore Income Protection, or review your existing policies to make sure they’re still right for you, i’m here to help.

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

01/05/2026

🎉 𝑯𝒂𝒑𝒑𝒚 𝑭𝒓𝒊𝒅𝒂𝒚! 𝑨𝒏𝒅 𝒔𝒐𝒎𝒆 𝒑𝒐𝒔𝒊𝒕𝒊𝒗𝒆 𝒎𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝒏𝒆𝒘𝒔.....

The Bank of England has held the base rate 📊 but here’s the interesting bit…

👉 Some fixed mortgage rates are already coming DOWN.

That’s right! Lenders are starting to move ahead of the market, which could mean better deals creeping back in for buyers and homeowners 👀

🏡 If you’re looking for your new home but not sure if the times right give me a call!

🏡 If your fixed rate is coming to an end soon let’s have a shop around and get you the best deal!

🚀 If you’ve been waiting for a sign… this might be it.

Have a great bank holiday let’s hope the sun continues to shine ☀️☀️

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

27/04/2026

We are here to help you 🏡😄

Despite the headlines, the market is still moving and we’re busy helping buyers and homeowners navigate it.

➡️ Remortgages are a big focus right now

Many of you are coming off low fixed rates and exploring options early which is exactly the right move.

In a changing market, tailored advice matters more than ever Chat Gpt & Google won’t cut it!

We offer:

✅ Clear, honest advice
✅ Access to a wide range of lenders
✅ Support from start to finish

Whether you’re buying, remortgaging, or just unsure what’s next having the right guidance makes all the difference.

Here to help as always

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected] uk