The Mortgage Way - Nichola Graham

27/10/2026

Proeprty to Let in Shelf if anyone interested contact Hamilton Bowers Agents 🏡

2 bedroom terraced house for rent in Shelf Hall Lane, Shelf, Halifax, HX3 for £875 pcm. Marketed by Hamilton Bower, Northowram

26/10/2026

🪨📄✂️ Rock, paper, scissors… but make it mortgages! 😂🏡

Mortgages can feel like a game of chance, but finding the right deal shouldn’t be! 💜

Whether you’re a first-time buyer, moving home, remortgaging or looking at a buy-to-let, I’m here to help you understand your options and find a mortgage that suits your circumstances.

🏡 Thinking about your next move?

📩 Drop me a DM and let’s get the ball rolling!

No question is too silly, and you don’t have to have everything figured out before getting in touch! 💛

𝓝𝓲𝓬𝓱𝓸𝓵𝓪

21/10/2026

📺 𝐌𝐚𝐫𝐭𝐢𝐧 𝐋𝐞𝐰𝐢𝐬 𝐰𝐚𝐬 𝐭𝐚𝐥𝐤𝐢𝐧𝐠 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬 𝐥𝐚𝐬𝐭 𝐧𝐢𝐠𝐡𝐭 𝐚𝐧𝐝 𝐈 𝐰𝐚𝐬 𝐚𝐥𝐥 𝐞𝐚𝐫𝐬 🏡

I was watching Martin Lewis last night and he covered some really important mortgage topics. So, let’s have a little recap! 👇

💥 𝐂𝐨𝐦𝐢𝐧𝐠 𝐨𝐟𝐟 𝐚 𝐜𝐡𝐞𝐚𝐩 𝐟𝐢𝐱𝐞𝐝 𝐫𝐚𝐭𝐞?
Don’t panic! You might have more options than you think. Speak to a mortgage broker… 😍 (My favourite bit, obviously, because that’s ME! 🤣)

Don’t let your mortgage drift onto the **

𝐒𝐭𝐚𝐧𝐝𝐚𝐫𝐝 𝐕𝐚𝐫𝐢𝐚𝐛𝐤𝐞 𝐑𝐚𝐭𝐞 (𝐒𝐕𝐑 )
“It’s pants!” 💩😂 Martin’s words, not mine! But seriously, it could cost you more than you need to pay.

👀 𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐞𝐝 𝐚 𝐓𝐫𝐚𝐜𝐤𝐞𝐫?
It’s definitely worth looking at in the current market. We always consider all the options, because the cheapest deal isn’t always the best deal for YOU.

📅 𝐆𝐞𝐭 𝐨𝐫𝐠𝐚𝐧𝐢𝐬𝐞𝐝 𝐞𝐚𝐫𝐥𝐲!
You can start looking at your options up to 6 months before your current rate ends. No last minute panic needed!

🏡 𝐅𝐢𝐫𝐬𝐭 𝐓𝐢𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬 ....𝐖𝐚𝐭𝐜𝐡 𝐓𝐡𝐢𝐬 𝐒𝐩𝐚𝐜𝐞!
A new scheme is expected to be announced in next week’s Budget, so there could be more news to come. 👀

Mortgages can feel complicated, but that’s what I’m here for to cut through the jargon, explain your options in plain English and help you work out your next move. 💜💛

Got a mortgage question? Drop me a message! 📩

𝓝𝓲𝓬𝓱𝓸𝓵𝓪
☎️ 07968842879
📧 [email protected]

08/10/2026

🤩 𝐈'𝐯𝐞 𝐣𝐮𝐬𝐭 𝐬𝐚𝐯𝐞𝐝 𝐚 𝐜𝐥𝐢𝐞𝐧𝐭 £𝟔𝟑𝟎 𝐩𝐞𝐫 𝐦𝐨𝐧𝐭𝐡!

They had built up loans and credit card debt over the years and felt like they were fighting a never-ending battle.

They had equity in their home, so we looked at releasing some of it to clear the debts and give them a fresh start. 💜

Yes, spreading the debt over a longer term can mean paying more interest overall so it’s not right for everyone.

But for this client, it’s made their monthly finances feel a whole lot easier. 🙌

If you’re feeling like you’re constantly juggling debt, don’t just sit there worrying about it.

Let’s have a chat, look at the pros and cons, and see what options might be available to you.

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

📞 The Mortgage Way - here to help you make an informed decision. 💜💛

05/10/2026

🚨 FIRST-TIME BUYERS… THIS ONE’S FOR YOU 👀🏡

The Government has announced ‘𝒀𝒐𝒖𝒓 𝑭𝒊𝒓𝒔𝒕 𝑯𝒐𝒎𝒆' and it could seriously change the deposit game.

Here’s what we know so far:

🏡 2.5% deposit
💷 Government-backed equity loan of up to 20%
🏠 For eligible first-time buyers buying a new-build from a participating developer
💰 The equity loan will have an initial interest-free period
📍 There will be income and local property price caps

BUT… 👀 the finer details, including exactly who qualifies and when it launches, are still to be confirmed at the October Budget.

So if you’ve been thinking “I’ll never save a big enough deposit”…

Don’t write yourself off just yet! 👀

Follow to keep an eye out for more information as it comes in. 🧐

𝓝𝓲𝓬𝓱𝓸𝓵𝓪
☎️ 07968842879
📧 [email protected]

02/10/2026

𝐇𝐚𝐩𝐩𝐲 𝐅𝐫𝐢𝐝𝐚𝐲 🥂

Yesterday I treat myself to a lovely spa day - what a great way to reset! 🧖‍♀️✨

Today I’m back in the mortgage world and it’s a busy one!

I’m helping 𝟐 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐰𝐡𝐨𝐬𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐚𝐭𝐞𝐬 𝐚𝐫𝐞 𝐜𝐨𝐦𝐢𝐧𝐠 𝐭𝐨 𝐚𝐧 𝐞𝐧𝐝, and I’ve also got 𝟏 𝐜𝐥𝐢𝐞𝐧𝐭 𝐰𝐡𝐨𝐬𝐞 𝐨𝐟𝐟𝐞𝐫 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧 𝐚𝐜𝐜𝐞𝐩𝐭𝐞𝐝 𝐨𝐧 𝐚 𝐫𝐞𝐩𝐨𝐬𝐬𝐞𝐬𝐬𝐢𝐨𝐧 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐬𝐨 𝐰𝐞 𝐡𝐚𝐯𝐞 𝟐𝟖 𝐝𝐚𝐲𝐬 𝐭𝐨 𝐠𝐞𝐭 𝐢𝐭 𝐨𝐯𝐞𝐫 𝐭𝐡𝐞 𝐥𝐢𝐧𝐞! 🏡

Different clients, different situations, but that’s what I love about my job - no two days are ever the same!

If you’ve got a mortgage question, however big or small, my phone is on and I’m happy to help.

Have a lovely weekend.

𝓝𝓲𝓬𝓱𝓸𝓵𝓪
☎️ 07968842879
📧 [email protected]

30/09/2026

Martin Lewis says speak to a mortgage broker… 👀

Well, that’ll be me then! 🙋‍♀️😂

Coming off a lovely 1% or 2% fixed rate? 😬
Don’t panic!

You can usually start looking at your options up to 6 months before your deal ends but what’s right for you will depend on your circumstances.

So before you simply press the button with your existing lender…

Let’s have a chat. 💜💛

Your mortgage, your plans and your circumstances are unique so let’s see what options are available to you.

And if Martin Lewis says speak to a mortgage broker… who am I to argue?! 😉

𝓝𝓲𝓬𝓱𝓸𝓵𝓪
☎️ 07968842879
📧 [email protected]

30/09/2026

Martin Lewis says speak to a mortgage broker… 👀

Well, that’ll be me then! 🙋‍♀️😂

Coming off a lovely 1% or 2% fixed rate? 😬
Don’t panic!

You can usually start looking at your options up to 6 months before your deal ends but what’s right for you will depend on your circumstances.

So before you simply press the button with your existing lender…

Let’s have a chat. 💜💛

Your mortgage, your plans and your circumstances are unique so let’s see what options are available to you.

And if Martin Lewis says speak to a mortgage broker… who am I to argue?! 😉

𝑵𝒊𝒄𝒉𝒐𝒍𝒂
☎️ 07968842879
📧 [email protected]

18/09/2026

𝐂𝐡𝐚𝐭 𝐆𝐏𝐓 𝐨𝐫 𝐌𝐞?!🤖😂

We all love a bit of AI, don’t we?

“Ask ChatGPT.”
“Let’s Google it.”
“Surely AI will know!” 🤣

And yes, AI can be brilliant for answers, ideas and food for thought. I use it myself for all sorts of things.

But do I trust it enough to make important decisions without double-checking? Absolutely not!

And mortgages are a perfect example. 🏡

AI might be able to give you mortgage rates, explain terminology and throw some facts at you…

But it 𝐃𝐨𝐞𝐬𝐧'𝐭 𝐤𝐧𝐨𝐰 𝐘𝐎𝐔!

It doesn’t know what you’re trying to achieve, your full circumstances, your plans for the future or the finer details of individual lenders’ criteria.

And yes, as a mortgage broker, of course I’ll find you the rates…

But 𝐜𝐡𝐞𝐚𝐩𝐞𝐬𝐭 𝐢𝐬𝐧𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐬𝐭 😉

Sometimes the right mortgage is the one that actually fits your circumstances, your plans and the lender’s criteria not simply the one with the lowest rate.

So by all means, 𝐚𝐬𝐤 𝐂𝐡𝐚𝐭 𝐆𝐏𝐓......

Then come and ask me. 😜

Because when it comes to your mortgage, a bit of human experience and someone who actually knows your circumstances can make a big difference.

𝓝𝓲𝓬𝓱𝓸𝓴𝓪
☎️ 07968842879
📧 [email protected]