FTB Mortgages

FTB Mortgages Our mission is to provide each of our clients with first-class service, tailored to their needs.

🏡 “How do I know what to offer on a house?”It’s one of the most common questions we get asked.The truth is, there’s no m...
12/06/2026

🏡 “How do I know what to offer on a house?”

It’s one of the most common questions we get asked.

The truth is, there’s no magic number.

Offer too low and you could lose the property. Offer too high and you might end up paying more than you needed to.

When deciding what to offer, it’s worth considering:
✅ How long the property has been on the market
✅ The level of interest from other buyers
✅ Recent sale prices of similar homes nearby
✅ Any work the property may need
✅ Your own budget and affordability

Buying a home isn’t just about securing the mortgage – it’s about making informed decisions throughout the process.

That’s why we’re here to help. We can guide you through the buying journey, discuss affordability, and help you feel confident every step of the way.

Thinking about moving or buying your first home? Feel free to get in touch. 🙌

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

Is your fixed rate coming to an end? 🏡If your mortgage deal is due to expire in the next 6 months, now is a great time t...
11/06/2026

Is your fixed rate coming to an end? 🏡

If your mortgage deal is due to expire in the next 6 months, now is a great time to start thinking about your remortgage options.

Many homeowners simply move onto their lender’s Standard Variable Rate (SVR) when their current deal ends, which could mean paying more each month than necessary.

Reviewing your options early gives you time to secure a new deal, potentially reduce your monthly payments, and make sure your mortgage still suits your current circumstances.

Whether you’re looking to save money, borrow additional funds, or simply understand your options, it’s worth exploring what’s available before your current deal expires.

If your fixed rate is ending soon, feel free to get in touch for a no-obligation chat about your remortgage options 📞

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

Buying a home is one of the biggest financial commitments you’ll ever make, but have you considered what would happen if...
05/06/2026

Buying a home is one of the biggest financial commitments you’ll ever make, but have you considered what would happen if your loved ones were left to manage the mortgage without you?

Life insurance can provide a lump sum payment that could help pay off the mortgage, reduce financial pressure, and give your family peace of mind during an incredibly difficult time.

It’s not always the easiest conversation to have, but putting protection in place can help ensure that the people who matter most are financially secure if the unexpected happens.

If you’re arranging a mortgage or reviewing your finances, it’s worth considering whether your current protection is still right for your circumstances.

If you’re not sure what cover you have, or whether it’s still suitable for your circumstances, feel free to get in touch for a no-obligation chat 😊

Policies have no cash value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. Your home may be repossessed if you do not keep up with repayments on your mortgage.

Mortgage rates are still a big talking point right now 🏡With rates changing and lenders regularly updating their product...
02/06/2026

Mortgage rates are still a big talking point right now 🏡

With rates changing and lenders regularly updating their products, it’s understandable that many buyers feel unsure about when to make a move.

But the “best time” to buy isn’t always about waiting for the perfect rate - it’s about understanding what you can afford, what options are available, and whether the numbers work for your situation.

If you’re thinking about buying your first home this year, getting advice early can help you feel much more prepared 🏡

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

First-time buyer stamp duty rules are worth checking 💷Many first-time buyers can still benefit from Stamp Duty relief, b...
29/05/2026

First-time buyer stamp duty rules are worth checking 💷

Many first-time buyers can still benefit from Stamp Duty relief, but the amount you pay depends on the property price and where you’re buying.

This is why it’s so important to budget for more than just your deposit. Legal fees, surveys, moving costs and potential Stamp Duty can all affect how much you need upfront.

Before you start viewing homes, it’s worth getting a clear idea of the full cost of buying.

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

Thinking about buying your first home this year? ☀️With interest rates, deposits, and affordability constantly changing,...
27/05/2026

Thinking about buying your first home this year? ☀️

With interest rates, deposits, and affordability constantly changing, many buyers are wondering whether now is the right time to buy. The truth is, everyone’s situation is different.

For some, waiting and saving more may help. For others, getting on the property ladder sooner could be the right move. Understanding your affordability and exploring your options early can help you make a confident decision when the time feels right.

Preparation is always key when it comes to buying your first home.

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

What I wish first-time buyers knew sooner 🏡You don’t need to have everything figured out before speaking to a mortgage a...
22/05/2026

What I wish first-time buyers knew sooner 🏡

You don’t need to have everything figured out before speaking to a mortgage advisor.

A lot of first-time buyers think they need the perfect deposit, perfect credit score, and the perfect property lined up before asking questions - but that’s not the case. Getting advice early can help you understand your budget, improve your position, and avoid common mistakes before starting your home-buying journey.

Sometimes the first step is simply understanding your options.

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

What lenders really look at on your bank statements 👀When applying for a mortgage, lenders don’t just look at your incom...
20/05/2026

What lenders really look at on your bank statements 👀

When applying for a mortgage, lenders don’t just look at your income - they also review how you manage your money day to day.

Things like missed payments, payday loans, gambling transactions, and heavy overdraft use can sometimes raise concerns during affordability checks. They’ll also look for regular income, spending habits, and evidence that repayments are manageable alongside your current commitments.

The good news is that preparing early and keeping your finances organised can make a real difference before applying 🏡

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

What can stop you getting a mortgage? 👀Even if you’ve got a good income and a deposit saved, there are certain things le...
15/05/2026

What can stop you getting a mortgage? 👀

Even if you’ve got a good income and a deposit saved, there are certain things lenders may look out for when reviewing your application. Things like missed payments, payday loans, high credit card balances, or gambling transactions can sometimes impact your chances of approval.

The good news? Many of these issues can be improved or explained with the right advice and preparation before applying.

If you’re thinking about buying your first home and aren’t sure where you stand, it’s always worth getting guidance early so you can move forward with confidence 🏡

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

Thank you so much for the lovely review 🏡Buying your first home can feel daunting, so it’s great to hear the process fel...
12/05/2026

Thank you so much for the lovely review 🏡

Buying your first home can feel daunting, so it’s great to hear the process felt clear and straightforward throughout. Helping first-time buyers feel informed and supported every step of the way is always the goal.

Wishing you lots of happiness in your new home 😊

Address

Innovation Centre, Highfield Drive
Hastings
TN389UH

Telephone

+441424205411

Website

Alerts

Be the first to know and let us send you an email when FTB Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category