AddLife Financial

AddLife Financial A Whole of market mortgage brokers for Bespoke solutions, Best rates & Brilliant service

Super Productive session and Lunch 🥗 with Skipton Building Society yesterday! 🏠We spent yesterday afternoon with the Bus...
10/04/2026

Super Productive session and Lunch 🥗 with Skipton Building Society yesterday! 🏠

We spent yesterday afternoon with the Business Development Manager ( Will Nelson) and key relationship manager ( Derek Adams) from Skipton Building Society. While the lunch was great, the real treat was getting an early look at their upcoming product changes and lending criteria updates.!! 📈

Being a “whole of market” broker means we use a huge range of lenders, but we love working with teams like Skipton who value transparency and innovation - their focus on helping first time buyers is always impressive !!✨

Drop us a DM if you’re curious about what these market changes mean for your mortgage! 📩

🛑 BUSTING THE BIG DEPOSIT MYTH! 🛑Are you renting because you think you need a 10% or 20% deposit to buy your first home?...
19/11/2025

🛑 BUSTING THE BIG DEPOSIT MYTH! 🛑

Are you renting because you think you need a 10% or 20% deposit to buy your first home? Think again!🤔

For many first-time buyers 🏡 , the magic number is actually 5%. That’s right—you could get your own keys much sooner than you thought!
What Does This Mean For You?
• 🔑 Lower Savings Goal: Start house hunting sooner by targeting a smaller deposit amount.
• 📈 Access to Lenders: There are specific mortgage products designed to help you with a 95% loan-to-value (LTV) ratio.
• 🤝 Personalized Advice: We can help you navigate these options and find the best one for your situation.
Stop waiting for a deposit that feels impossible to save. Let’s talk about the 5% route today!

Send me a quick message saying “5% DEPOSIT” and let’s get the ball rolling! 📩

05/11/2025

Myself with team members summit- 2025

“Massive insights from the mortgage summit on the 2026 market changes! 🚀 The central theme? Specialist lenders are ready to embrace a holistic view of a client’s finances. This is a crucial evolution that will open doors for clients with circumstances that don’t fit a standard tick-box..

If you’re self-employed, have complex income, or a unique property requirement, the market is set to become more flexible and accommodating than ever.

Stay tuned, because understanding this shift is essential for your next move. Let’s get your circumstances reviewed with the 2026 lens!👍

Www.addlifefinancial.co.uk
T: 03301655155


#

20/10/2025

Shubh Diwali - to everyone who is celebrating 🪔
- From Addlife Financial Team 🎁🎉

#

A wonderful surprise from happy client: 🎁I recently had the pleasure of helping a wonderful couple, Neha and Deep buy th...
18/08/2025

A wonderful surprise from happy client: 🎁

I recently had the pleasure of helping a wonderful couple, Neha and Deep buy their first home navigating a complex situation. 👍🏡

Today, they surprised me with flowers, 💐champagne🍾, and a gift hamper🎁. This thoughtful gesture is a reminder of the trust we build with clients and why I love what I do.❤️

Congratulations, 🎉Neha and Deep! Thank you for trusting Addlife Financial LTD to be part of your journey.!!🙏

Bank of England New base rate is 4% Meaning Lenders may lower their interest rates too. Worth checking if your remortga...
07/08/2025

Bank of England New base rate is 4%

Meaning Lenders may lower their interest rates too. Worth checking if your remortgage is due soon or looking to purchase a new home .!!🏡

Contact Us - 0330 1656 156

# Are you buying or selling a house 🏡 in the near future?One of the most important, and often overlooked, aspects of mo...
03/02/2025

# Are you buying or selling a house 🏡 in the near future?

One of the most important, and often overlooked, aspects of moving is the LEGAL📝 SIDE. It’s essential to get it right, but it can also be costly. That’s why we’ve partnered with a network of reputable and proactive law firms to simplify the process for you. Here are the main benefits.

* Receive a quick, easy and bespoke quotes of your circumstances in minutes.

* Save time and cost up to £300-£500 💷on Average

* As a broker we get the updates so we can keep track of your progress and keep you informed.📄

* Of course all solicitors are SRA/CLC regulated for peace of mind.🧘‍♀️

Start today and make your move less stressful.

[email protected] or 03301656156

Are you a foreign national looking to get on the property ladder 🪜❓Many foreign nationals without permanent visas are of...
24/01/2025

Are you a foreign national looking to get on the property ladder 🪜❓

Many foreign nationals without permanent visas are often discouraged from buying their first property 🏠due to their circumstances. ❗️However, this isn't necessarily true. ❌

We have access to the whole of the market and work with many lenders who are happy to lend 💷 to foreign nationals with Tier 1 or Tier 2 visas, with deposits as low as 5-10%. This is provided you have been in the UK for more than 12 months and have at least some time remaining on your visa.

If you'd like to discuss your options further, please don't hesitate to get in touch.

Subject to credit score and affordability check.

For more information Contact- 03301656156

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Addlife Financial LTD is authorised & regulated by financial conduct authority. Addlife Financial is registered in England & Wales with company number 12672589.

Are you a foreign national looking to get on the property ladder 🪜❓Many foreign nationals without permanent visas are of...
24/01/2025

Are you a foreign national looking to get on the property ladder 🪜❓

Many foreign nationals without permanent visas are often discouraged from buying their first property 🏠due to their circumstances. ❗️However, this isn’t necessarily true. ❌

We have access to the whole of the market and work with many lenders who are happy to lend 💷 to foreign nationals with Tier 1 or Tier 2 visas, with deposits as low as 5-10%. This is provided you have been in the UK for more than 12 months and have at least some time remaining on your visa.

If you’d like to discuss your options further, please don’t hesitate to get in touch.

Subject to credit score and affordability check.

For more information Contact- 03301656156

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Addlife Financial LTD is authorised & regulated by financial conduct authority. Addlife Financial is registered in England & Wales with company number 12672589.

Don’t give up house purchase dream, being an expert we can guide you to be on property ladder 🪜
31/10/2024

Don’t give up house purchase dream, being an expert we can guide you to be on property ladder 🪜


Do I need to get the property survey❓Clients often asked this question when they are buying a property. And here are the...
18/10/2024

Do I need to get the property survey❓

Clients often asked this question when they are buying a property. And here are the top 5 reasons why you should get a property survey. ⁉️

1. A mortgage valuation does not benefit the homebuyer ⛔️

2. Surveyors will take an objective and impartial look at a home 🏡

3. Save yourself a costly bill down the line. If you can’t afford a survey, will you be able to afford any surprise repairs 🧾

4. Find issues and address the impact with contractors before you commit to purchase and sign any contracts📑

5. Your surveyor will have a broad understanding of known issues within your chosen area and any local risks. ⚠️

You can trust their detailed assessment to give you confidence by being completely sure of what you’re buying and help you avoid costly surprises!
You can get it done either via lender paying additional 💷 depending upon your property value. Or this can be done independently via RICS.


💷Mortgage In Principle (MIP)❗️Known as Agreement in principle (AIP) or Decision In Principle (DIP). Different lenders, e...
23/09/2024

💷Mortgage In Principle (MIP)❗️

Known as Agreement in principle (AIP) or Decision In Principle
(DIP). Different lenders, estate agents or mortgage brokers called differently but its a Same thing.!!👍🗒📃

Its a first step ☝️🦶 towards your home buying journey.

It is a statement ✍️from a lender that indicates how much you can borrow. It's not a guarantee of mortgage approval, but it can help you with the following:
- To get a better idea of what you can afford
- With most lenders, it involves a soft credit check, so it won't affect your credit score
- Having AIP in hand, Estate agents consider you as a serious buyer
-Normally Valid for 30-90 days, means good enough time to search for a property.

Give a call 📞 to get your AIP/ DIP.!!

T: 0330 1656 156
E: [email protected]

Address

Hemel Hempstead

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 10am - 4pm

Telephone

+443301656156

Website

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