Eaves and Gables Mortgage Specialists

Eaves and Gables Mortgage Specialists Your friendly, jargon free mortgage specialists. Disclaimer :https://eavesandgables-bu6d.temp-dns.c Your friendly, jargon-free mortgage experts.

Disclosure order:


Your home/property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Lets. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £99 to £199 and this will be discussed and agreed with you at the earliest opportunity.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Eaves & Gables Mortgages Limited, trading as Eaves & Gables Mortgage Specialists, is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Eaves & Gables Mortgages Limited are registered in England and Wales. Registered No: 16427752. Registered Office: 6 St Johns House, St Johns Street, Chichester, West Sussex, United Kingdom, PO19 1UU. At Eaves and Gables Mortgage Specialists, we make navigating the mortgage process simpler and as stress-free as possible. Whether you’re a first-time buyer or an experienced property owner, our team is dedicated to finding the right mortgage and protection solutions tailored to your needs. With years of industry experience, we understand the complexities of the mortgage market and are here to guide you every step of the way. From your first enquiry to securing your mortgage, we provide clear advice, personal support, and peace of mind—making what can feel complicated, as straightforward as possible. Discover how easy the mortgage journey can be with Eaves and Gables Mortgage Specialists. Visit us at www.eavesandgables.co.uk

07/06/2026

Things i think about on my dog walks

🐾 Clients overpaying on their mortgage.
🐾 People assuming their bank has the best deal.
🐾 First-time buyers waiting for the 'perfect' rate.
🐾 Whether my dog knows where we're actually going.

16/04/2026

The mortgage market has changed dramatically in the last 4 weeks. 📉

If your fixed deal ends any time in the next 6 months, you need to read this.

Average rates have risen by over 1% in a month — and 1 in 7 deals have been pulled from the market entirely. On a £250k mortgage, that's £150 more every single month than it would have cost you just four weeks ago.

The good news? You can lock in a rate now — and if things improve before you complete, we can look to move you to a better deal. Don't wait.

DM us or visit the link in bio.

(Data from 'This is Money' 👉 bit.ly/MortgageRatesCut)

🔗

Finding the right rate among 100+ lenders is basically our version of a treasure hunt — except the prize at the end is y...
03/04/2026

Finding the right rate among 100+ lenders is basically our version of a treasure hunt — except the prize at the end is your home, not a Cadbury's Creme Egg. (Though honestly, both are pretty exciting.)

Whether you're a first-time buyer, looking to remortgage, or somewhere in between — we do the searching so you don't have to.

Have a wonderful Easter Bank Holiday 🐣✨

📩 DM us or head to the link in bio to book your free, no-obligation chat.

18/03/2026

The mortgage process doesn't have to be stressful.

We really believe this. Most of the stress comes from not knowing what to expect — not from the process itself.

When our clients understand what's happening and why, the whole thing feels so much more manageable. Even the paperwork.

Did your mortgage experience match that? Or did it feel more chaotic than it needed to be?

We'd love to hear — and if there's something specific that felt confusing, let us know. It might become our next post. 😊

Comment below📩

Quick note from me while I’m technically on holiday ☀️I’m very aware that a lot of people are feeling anxious about the ...
11/03/2026

Quick note from me while I’m technically on holiday ☀️

I’m very aware that a lot of people are feeling anxious about the recent talk of mortgage rate increases. My inbox has had a few messages from clients worried that the rate they’ve already secured might suddenly be taken away.

The good news is that in most cases, once a lender has issued your mortgage offer, the rate is secured for the duration of that offer period. Lenders don’t normally change it just because rates move afterwards.

If you’re feeling worried about your own situation, please don’t panic. Every case is slightly different, but there are usually options and solutions.

I may be away from my desk this week, but I’m still checking messages and always happy to reassure anyone who needs it 💬

Sometimes a quick conversation can take a lot of the worry away.

Having just arrived in Germany and hearing lenders are starting to increase rates, work never stops. So I have found a n...
09/03/2026

Having just arrived in Germany and hearing lenders are starting to increase rates, work never stops. So I have found a nice little cafe, am having a Bavarian beer and am making sure my clients don't miss out on deals.

Even when I am away, I still have your best interests at heart 💜

08/03/2026

International Women’s Day 💜

It’s hard to imagine now, but just over 50 years ago women in the UK could be refused a mortgage simply for being female. Many even needed a husband or father to co-sign.

Before the S*x Discrimination Act 1975, lenders could legally turn unmarried women away. And it wasn’t until the Married Women’s Property Act 1870 that women were even recognised as owning their own assets.
Thankfully, things have changed.

Today, women are buying homes, building wealth and making financial decisions on their own terms.

Proud to be a woman helping others onto the property ladder.

❤️

18/02/2026

In 2026, your deposit depends on the price of the home you want and the mortgage deals available today but here’s a simple guide:

First-Time Buyers
• Most lenders look for 5–15% of the property price as a deposit.
• On a £250,000 home, that’s £12,500–£37,500 saved.

More Competitive Deals
• Some lenders may offer 95% LTV (5% deposit), but these are limited and often have stricter criteria.
• Saving more (10–15%) usually gives you better rates and more options.

Remortgaging or Moving Home
• You might already have equity built up — which counts toward your deposit.
• Targeting 15–20%+ can unlock stronger mortgage deals.

Tips to speed up saving
• Set a realistic monthly saving target
• Consider Help to Buy ISA / Lifetime ISA bonuses (if eligible)
• Budget for fees too (deposit isn’t the only cost!)

Saving smarter and knowing what lenders expect in 2026 can make the difference between waiting longer and moving sooner.

⚠️ All advice in is general, for personal advice and guidance please reach out to a mortgage advisor.

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

If your fixed rate is coming to an end, it’s worth pausing before simply signing the renewal.A lot can change over a mor...
10/02/2026

If your fixed rate is coming to an end, it’s worth pausing before simply signing the renewal.

A lot can change over a mortgage term, your income, plans, family life, or how much equity you’ve built.

A remortgage review is a chance to make sure your mortgage still works for you, not just where you were a few years ago.

At Eaves & Gables, we look at your full picture and help you explore the options available, so you can move forward with confidence.

If you’d like a friendly, no-pressure review, we’re here to help, give me a call on 07949 829555 or drop me a DM.

You’ll also find my website linked in my bio - www.eavesandgables.co.uk

We’ve had some exciting news recently, and tomorrow we’ll finally be sharing it with you! It’s a big deal to us and we c...
05/02/2026

We’ve had some exciting news recently, and tomorrow we’ll finally be sharing it with you!

It’s a big deal to us and we can’t wait to share it properly - thank you to everyone who continues to put their trust in us.

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