The Original Mortgage Company Ltd

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The Original Mortgage Company Ltd

We are impartial mortgage advisers meaning we have the ability to source mortgages from a comprehensive range of lenders from across the market.

The Original Mortgage Company Ltd is an established firm of mortgage advisers with years of experience in arranging mortgages. As an intermediary we have access to a comprehensive range of lenders and are often able to source products which are not directly available to the public. We provide a personalised service and take time with all our customers to discuss their specific needs and tailor the

best package for them. Our advice is truly impartial; we are more than happy to answer any queries or concerns you may have, and you can be certain that we will find the product that is right for you. If you would like to contact us directly or you require any further information please call. Your Home may be repossessed if you do not keep up repayments on your mortgage. For information on how we’re paid for mortgages click here -
http://www.mortgage123.co.uk/fees/

THE ORIGINAL MORTGAGE COMPANY LTD
Talk to an advisor now on - Freephone 0808 22 23 24 5

07/09/2026

⏰ Fixed mortgage ending before Christmas? September is a good time to check the date.

It’s surprisingly easy to know your mortgage deal ends “later this year” without knowing exactly when.

And suddenly... later this year becomes next month.

If your current fixed deal is approaching its end, getting organised early gives you time to understand what happens next and explore the options available to you.

You don’t necessarily need to wait until your existing deal has finished before starting that conversation.

🎄 Christmas is expensive enough without adding last-minute mortgage admin to the list.

Dig out your paperwork. Check your end date. And if it’s approaching, come and have a chat with us.

📞 0808 222 3245
🌐 www.mortgage123.co.uk

03/09/2026

👔 MYTH: "I've recently changed jobs, so I need to wait before applying for a mortgage."

Not necessarily.

Changing jobs doesn't automatically mean you can't get a mortgage.

Different lenders have different requirements, and they'll often look at factors such as your employment history, the type of role you've moved into, your income and your overall circumstances.

That's why there isn't a simple yes or no answer.

If you've recently started a new job, it may still be worth speaking to an adviser before putting your plans on hold.

You could be in a stronger position than you think.

At The Original Mortgage Company, we'll take the time to understand your situation and explain your options clearly—without the jargon.

📞 0808 222 3245
🌐 www.mortgage123.co.uk

31/08/2026

✅ Buying a home? Don't forget to budget for these too...

Everyone talks about saving for a deposit. But what about everything that comes after?

Here's a quick homeowner's checklist:
🏠 Buildings and contents insurance
🔥 Annual boiler servicing
💡 Gas, electricity and water bills
🌿 Garden and outdoor maintenance
🛠 DIY jobs and general repairs
🛋 Furniture and those little finishing touches

The good news?

Most of these costs aren't surprises if you've planned for them. Buying your home should feel exciting—not like one unexpected bill after another.

That's why we always encourage buyers to think about the full cost of homeownership before making any big decisions.
📞 0808 222 3245
🌐 www.mortgage123.co.uk

27/08/2026

💼 MYTH: "I'm self-employed, so I probably won't get a mortgage."

It's a misconception that stops many people from even asking the question.

The reality is that self-employed people can often get mortgages. The application process may simply be different.

Lenders will usually want to understand your income and how your business is performing, which means you'll often need to provide additional documentation compared to someone who's employed.

Every lender has its own criteria, which is why independent advice can be so valuable.

If you're self-employed and wondering where you stand, don't write yourself off before you've explored your options. Your business shouldn't stop you from achieving your homeownership goals.

📞 0808 222 3245
🌐 www.mortgage123.co.uk
💬 Tag someone who's self-employed and dreaming of buying their own home.

25/08/2026

🏡 Most people assume they should save the biggest deposit possible before buying.

But buying a home isn't just about the deposit. It's about finding the right balance.

Would saving for another two years improve your options? Possibly.

Could buying sooner be the better choice for your personal circumstances Possibly.
T
he answer depends on lots of factors, including your income, affordability, the type of property you're buying and the mortgage products available at the time.

That's why comparing your situation against friends or family isn't always helpful.
Everyone's journey is different.

At The Original Mortgage Company, we take the time to understand your circumstances and explain what your options could look like, so you can make informed decisions with confidence.

🏡 If you're wondering whether your deposit is enough to get started, we'd be happy to talk it through.
📞 0808 222 3245
🌐 www.mortgage123.co.uk
💫 Original ideas, for your finances

24/08/2026

🏡 Here's something that surprises a lot of first-time buyers...

The monthly mortgage payment often isn't the biggest financial adjustment.
It's everything else.

Moving into your own home usually means taking responsibility for things you've never had to think about before.

Insurance.
Maintenance.
Utilities.
Servicing.
Repairs.
The occasional unexpected expense.

None of these are reasons not to buy a home. They're simply reminders that owning a home is about more than making one monthly payment.

That's why we take the time to understand your budget and your plans—not just find a mortgage.

Because buying a home is one of life's biggest milestones, and we want you to feel confident every step of the way.

🏡 If you're planning to buy your first home, we'd love to help you understand what to expect.
📞 0808 222 3245
🌐 www.mortgage123.co.uk

20/08/2026

❌ MYTH: "You need a perfect credit score to get a mortgage."

We hear this one all the time. The truth is, lenders don't all assess applications in exactly the same way.

Your credit history is important, but it's only one part of the picture. Things like your income, deposit, affordability and overall financial situation can all play a part when a lender considers your application.

So if your credit score isn't perfect, don't automatically assume homeownership is out of reach.

Every situation is different.

The best thing you can do is speak to an adviser who can help you understand what options may be available based on your circumstances.

🏡 Sometimes, a conversation can give you far more clarity than an online credit score ever could.

📞 0808 222 3245
🌐 www.mortgage123.co.uk
💬 Have you ever believed a mortgage myth that turned out not to be true?

18/08/2026

💰 Saving for a deposit is a fantastic achievement...

But here's a question worth asking: Is waiting longer always the right move?

Many people delay buying because they're hoping to save a bigger deposit.
Sometimes that's the right decision.
Sometimes it isn't.

While you're saving, house prices could change, your circumstances could change, and different mortgage products may become available.

On the other hand, having a larger deposit may improve the range of mortgages available to you and could reduce your monthly repayments.

There isn't a one-size-fits-all answer.

The important thing is understanding your options before making a decision.

A quick conversation with an adviser could help you decide whether it's worth waiting—or whether you're already in a stronger position than you realise.
📞 0808 222 3245
🌐 www.mortgage123.co.uk

17/08/2026

💭 Every homeowner should have one thing...

An emergency fund.

No one likes thinking about unexpected expenses...

But boilers break down.
Roofs need repairs.
Appliances eventually stop working.

Having a little money set aside for those unexpected moments can make homeownership far less stressful.

It doesn't need to happen overnight. Even putting away a small amount each month can build a useful safety net over time.

Owning a home is incredibly rewarding, but it's always worth planning for the things you can't predict.

A little preparation today can save a lot of worry tomorrow.

🏡 Thinking about buying your first home? We're here to help you prepare for the journey - not just arrange the mortgage.
📞 0808 222 3245
🌐 www.mortgage123.co.uk

13/08/2026

🏡 You've got the keys... now what?

For many first-time buyers, the biggest surprise isn't the mortgage.
It's everything that comes afterwards.

Owning a home comes with a few ongoing costs that are easy to overlook when you're focused on saving your deposit.

Things like:
✔ Home insurance
✔ Gas boiler servicing
✔ Water, energy and broadband bills
✔ General maintenance and repairs
✔ Decorating and furnishing your new home

None of these should put you off buying. They're simply part of planning ahead.

The more prepared you are before moving day, the less stressful those first few months of homeownership are likely to be.

At The Original Mortgage Company, we believe buying a home isn't just about finding the right mortgage.

It's about helping you understand the bigger picture too.

💫 Original ideas, for your finances.
📞 0808 222 3245
🌐 www.mortgage123.co.uk

Address

Middleton House
Hartlepool
TS240YQ

Telephone

+448082223245

Website

http://www.mortgage123.co.uk/

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