FTB Mortgages

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

30/10/2026

Buying your first home is such an exciting milestone, but there’s something important that often gets overlooked…

❤️ LIFE INSURANCE.

It’s not always the first thing on your mind when you’re busy choosing paint colours and planning where the sofa will go!

But life insurance can help provide financial security for the people you love if the unexpected happens.

Depending on the policy, it could help your loved ones:

✨ Pay off some or all of your outstanding mortgage
✨ Stay in the family home
✨ Have greater financial security during an incredibly difficult time

Life insurance isn’t a legal requirement when taking out a mortgage, but it’s certainly worth considering.

Because protecting your home is just as important as buying it. 🏡

Have questions about protecting your mortgage? Get in touch and let’s chat about your options.

Life insurance is subject to eligibility, underwriting and policy terms. It may not be suitable for everyone.

28/10/2026

Thinking about buying your first home? Here are 5 things worth knowing before you start your journey…

✨ 1. You don’t always need a huge deposit
There are mortgage options available with deposits from as little as 5%, depending on your circumstances.

✨ 2. Your credit score matters
Lenders look at your credit history, so it’s worth checking your credit report before applying.

✨ 3. It’s not just about your deposit
Your income, regular outgoings and affordability all play a part in how much you could borrow.

✨ 4. There are extra costs to consider
Solicitor fees, surveys, moving costs and potential mortgage fees can all add up.

✨ 5. Getting mortgage advice can help
Understanding your options early can make the whole process feel much less overwhelming.

Your first home might be closer than you think! 🏠

📩 Thinking about taking that first step? Get in touch and let’s chat about your options.

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

23/10/2026

Another happy client! 🏡

Sometimes life doesn’t go to plan, and finding the right mortgage solution can feel overwhelming. We’re so pleased we were able to help you find a way to keep your home and guide you through every step of the process.

Thank you for your lovely feedback and for trusting FTB Mortgages!

Whether you’re looking to remortgage, move home or buy your first property, we’re here to help you find the right way forward.

📞 01424 205 411
🌐 www.ftbmortgages.co.uk

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

20/10/2026

Self-employed and hoping to buy a home? Here’s what you need to know! 🏡

Being self-employed doesn’t automatically mean you can’t get a mortgage.

Whether you’re a sole trader, freelancer or company director, there may be mortgage options available to suit your circumstances.

Lenders will usually want to understand your income and assess whether you can comfortably afford the repayments.

They may ask for:

📄 Your SA302s and tax year overviews
📊 Business accounts or evidence of your earnings
💰 Details of your deposit and regular outgoings

The documents required will depend on the lender, how your business is structured and your individual circumstances.

Our tip: Don’t assume that being self-employed will hold you back. Getting advice early can help you understand what lenders may be looking for and which options could be suitable for you.

Thinking about buying a home while self-employed? Contact FTB Mortgages to discuss your options!

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

16/10/2026

Buying your first home can feel overwhelming, but you don’t have to figure everything out on your own!

From understanding how much you could borrow to exploring your deposit options, getting the right advice can help you feel more confident about taking that first step.

💡 Our tip: You don’t need to have everything figured out before speaking to a mortgage adviser.

Thinking about buying your first home? Get in touch with FTB Mortgages to discuss your options!

14/10/2026

What happens if your mortgage application is declined?

First things first… don’t panic! ❤️

Having a mortgage application declined can feel disappointing, especially when you’re excited about buying your first home. But it doesn’t automatically mean you’ll never be able to get a mortgage.

There can be several reasons why a lender might decline an application, including:

🔎 Credit history – something on your credit file may not meet the lender’s criteria.

💷 Affordability – the lender may decide that the mortgage repayments are too high based on your income and outgoings.

📋 Lending criteria – every lender has different requirements, and you might not fit the criteria for that particular mortgage.

So, what should you do next?

✅ Find out why the application was declined.
✅ Avoid making multiple applications without understanding the reason.
✅ Speak to a mortgage adviser who can help you explore your options and identify a lender that may be more suitable for your circumstances.

A declined application doesn’t necessarily mean the end of your home-buying journey. Understanding the reason is the first step towards working out what to do next.

Have questions about getting a mortgage? Get in touch with FTB Mortgages for guidance tailored to your circumstances 😊

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

09/10/2026

You might not be ready to buy your first home just yet, but that doesn’t mean there’s nothing you can do in the meantime.

Getting yourself financially prepared early could make the mortgage process much easier when the time comes.

Here are a few things you can start thinking about:

💰 Build your deposit
Keep working towards your savings goal and consider how much you may realistically need.

💳 Review your finances
Take a look at your regular spending and existing financial commitments so you have a clear picture of where your money goes each month.

📊 Keep an eye on your credit history
Making sure your details are correct and keeping up with your financial commitments can help you stay mortgage-ready.

💷 Understand your potential budget
Knowing what you may be able to afford can give you a much clearer idea of what to aim for when you start looking at properties.

💬 Get advice early
You don’t have to wait until you’re ready to make an offer before speaking to a mortgage adviser. Having a conversation early can help you understand your options and what steps you could take between now and buying.

So, if buying your first home is on your 2027 wish list, why not start getting prepared now? 🔑🏡

📩 Get in touch with FTB Mortgages to discuss your plans.

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

07/10/2026

Yes, it is possible to get a mortgage as a single applicant - you don’t necessarily need to be buying with a partner.

If you’re thinking about buying your first home on your own, you might be wondering whether your income will be enough or how much you could potentially borrow.

Lenders will look at your individual circumstances when assessing your application, including things such as:

💷 Your income
💳 Your existing financial commitments
📊 Your credit history
💰 Your deposit
🏠 The property you’re looking to buy

Buying on your own can feel daunting, but getting some advice early can help you understand your potential budget and what mortgage options may be available to you.

And remember, there’s no harm in asking the question!

Thinking about taking your first step onto the property ladder? Get in touch with FTB Mortgages to discuss your circumstances and find out what options may be available to you.

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

02/10/2026

Netflix? Takeaways? Shopping? 👀

When you’re preparing to buy your first home, you might be wondering whether your everyday spending could affect your chances of getting a mortgage.

When assessing your mortgage application, lenders will look at your income as well as your regular outgoings and financial commitments to help determine what you may be able to afford.

That means it can be useful to have a good understanding of where your money is going each month.

🍔 Regular takeaways
🛍️ Shopping
📱 Subscriptions
🚗 Car finance
💳 Credit cards and loans
🎮 Entertainment

But don’t panic! This doesn’t mean you have to completely cut out the things you enjoy. 😊

The important thing is making sure your finances are manageable and understanding your position before you start your mortgage journey.

💡 Thinking about buying your first home? Speaking to a mortgage adviser early can help you understand your options and what you may be able to afford.

Get in touch with FTB Mortgages to discuss your circumstances 😊

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

30/09/2026

FAQ of the week 💡

“Do I need a huge deposit to buy a home?”

One of the biggest worries for first-time buyers is thinking they need to save for years before they can even consider getting a mortgage. 🏠

But did you know there are mortgage options available with different deposit requirements?

The amount you may need can depend on factors such as your circumstances, income, credit history and the mortgage products available at the time.

💡 The key is to understand what you could potentially afford before you start house hunting.

Speaking to a mortgage adviser early can help you understand your options, work out a realistic budget and know what steps you could take towards getting on the property ladder.

Thinking about buying your first home? FTB Mortgages are here to help 😊

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

Address

Innovation Centre, Highfield Drive
Hastings
TN389UH

Telephone

+441424205411

Website

http://www.ftbmortgages.co.uk/

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