Adam Tosh - Mortgage Adviser

Adam Tosh - Mortgage Adviser Finding the right Mortgage for you! I have over 30 years' experience working within High Street Banks, I looked back, and thought what did I enjoy the most?

The simple answer was meeting people and helping them financially. The most memorable and rewarding interactions was supporting customers with mortgage and protection needs, helping people achieve their property dreams, helping structure debts appropriately and ensuring the right protection is in place for themselves and their family. I am delighted to return to a role where I can support customer

s directly, as a Mortgage and Protection Adviser. At Mortgage Experience, I can help source and place more solutions from a wider range of mortgage lenders and life providers. I can advise and find solutions for many circumstances, you could be a home-mover, first time buyer, your fixed rate deal is ending. We help many self-employed clients and other employment circumstances. We also support a variety of financial circumstances including low credit score, missed payments, CCJs/Bad Credit, specialist situations. Helping you to find the right financial solutions with ease, professional guidance and support is my absolute mission. I look forward to helping you. Areas of expertise:

As a whole of market mortgage & protection adviser I provide advice to my clients on all mortgage and remortgage requirements, however I do also specialise in the following areas:

• Home Movers
• Remortgages
• Rate Renewals
• First time Buyers
• Buy to Let
• Self-employed
• Bad Credit

Always appreciate clients posting a review!! If you need professional and responsive mortgage guidance.Adam Tosh - Mortg...
10/06/2026

Always appreciate clients posting a review!!

If you need professional and responsive mortgage guidance.

Adam Tosh - Mortgage Adviser
[email protected]
07792 978938

Can I Airbnb a property with a residential mortgage? 🤔🏡It's a common question, but one many homeowners don't think to as...
09/06/2026

Can I Airbnb a property with a residential mortgage? 🤔🏡

It's a common question, but one many homeowners don't think to ask.

The answer? Not always. Most residential mortgages don't allow short-term letting, including Airbnb, without your lender's permission.

If you're considering turning your property into a holiday let or earning some extra income through Airbnb, make sure you check your mortgage terms first 💷

A quick conversation with a mortgage adviser could save you a lot of hassle later on.

Got a mortgage question you'd like answered? Get in touch 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

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

Think you need to wait until you’ve saved a 10% deposit to buy a home? 🏡You may actually be able to get on the property ...
04/06/2026

Think you need to wait until you’ve saved a 10% deposit to buy a home? 🏡

You may actually be able to get on the property ladder with a smaller deposit than you think.

Some mortgage options are available with deposits starting from 5% with some lenders even offering 0% deposit mortgages (subject to criteria) 👀💷

A bigger deposit can sometimes give you access to better rates, but that doesn’t always mean you have to wait years to buy your first home 💭

📩 Get in touch today to see how much deposit you may need.

📞 07792 978938
📧 [email protected]

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

🏠 Thinking about buying a home but not sure where to start? Whether you’re ready to make an offer today or just testing ...
04/06/2026

🏠 Thinking about buying a home but not sure where to start? Whether you’re ready to make an offer today or just testing the waters, I’m here to help you navigate the journey.

​As a mortgage adviser, I specialise in cutting through the noise to give you a professional, responsive, and stress-free experience.

​We can chat about:

​Borrowing Power: Find out exactly how much you can borrow before you start house hunting.

​Credit History Worries: Had a few bumps in the road? Let’s look at your options together—there are more solutions out there than you might think.

​Making an Offer: Ready to take the plunge? Let’s get your paperwork sorted so you can move fast.

​No matter where you are in the process, let’s get you moving!

​📞 Adam Tosh
📱 07792 978938
📧 [email protected]
🏢 Mortgage Experience Ltd

Thinking about a commercial mortgage but worried you don’t have enough trading history? 🏢The good news is, not all lende...
02/06/2026

Thinking about a commercial mortgage but worried you don’t have enough trading history? 🏢

The good news is, not all lenders require years of accounts. In some cases, commercial mortgages may still be available if:
✔️ You’re a new business with strong projections
✔️ You have industry experience
✔️ You can provide evidence of future income
✔️ You have a strong deposit or existing assets
Every lender has different criteria, which is why expert guidance can make all the difference.

We’ll help you understand your options with clear, advice tailored to your business goals.

📩 Get in touch today to discuss your commercial mortgage options.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

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

Been declined for a mortgage before? 🚫 It doesn’t always mean “no” forever. 🏡​There are many reasons why an application ...
30/05/2026

Been declined for a mortgage before?

🚫 It doesn’t always mean “no” forever. 🏡

​There are many reasons why an application might be turned down—from complex credit histories and affordability calculations to strict lender criteria. But that is exactly where speaking to the right mortgage broker can make all the difference.

​We work with a wide range of lenders and specialise in finding flexible options tailored specifically to your unique circumstances.

​Are you currently facing any of these challenges?
✔️ Bad credit?
✔️ Self-employed?
✔️ Recently declined?
✔️ Unsure where you stand?
​Don’t give up on your homeownership goals just yet. Let’s look at the bigger picture and find a path forward.
​Get in touch today for friendly, expert advice, and let’s explore your options together. 👇

​📞 07792 978938

✉️ [email protected]

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

🏡 Big News for First-Time Buyers! 🏡​Saving for a massive deposit is one of the biggest hurdles keeping people off the pr...
26/05/2026

🏡 Big News for First-Time Buyers! 🏡
​Saving for a massive deposit is one of the biggest hurdles keeping people off the property ladder. But getting the keys to your first home might have just become a whole lot easier.

​We are thrilled to share a new £5,000 deposit mortgage scheme specifically designed to help first-time buyers make the leap into homeownership!

🚀​Here is what you need to know:

​📉 Minimum personal deposit of just £5,000

​🏠 Available on homes valued up to £300,000

​💼 Employed & self-employed applicants are both considered

​🔒 5-year fixed rate options available to give you peace of mind

​📋 Free mortgage valuation included
​Please note: As always, lending criteria and affordability checks apply, and this won’t be suitable for everyone.

​Ready to take your first step onto the property ladder? 🔑

​Don't let deposit stress hold you back. Get in touch with our team today, and let's start your home-buying journey with absolute confidence.

​📞 Call us: 07792 978938
📧 Email me: [email protected]

07792 978938
20/05/2026

07792 978938

🏠 Should you stay with your current mortgage lender... or switch? 🤔​When your fixed-rate mortgage deal is coming to an e...
19/05/2026

🏠 Should you stay with your current mortgage lender... or switch? 🤔

​When your fixed-rate mortgage deal is coming to an end, you generally face two distinct paths:

​➡️ Stay with your current lender (A Product Transfer)
➡️ Switch to a brand-new lender (A Remortgage)

​Both options have their own unique advantages, and the right choice entirely depends on your current goals.

​⏱️ Option 1: Staying Put (Product Transfer)
​Staying with your existing lender is often the quicker and easier route. Because you already have a history with them, it typically involves:
​Less paperwork 📝
​No automated property valuations in most cases 🏠
​Often zero legal work or extra legal fees ⚖️
​💸 Option 2: Switching Over (Remortgage)

​While it requires a bit more admin, shopping around and switching to a new lender could open the door to:
​Better interest rates that lower your monthly payments 📉

​More flexibility (like overpayment options or payment holidays)
​Features that better align with your financial situation today

​Why a Review Matters 💡
​What worked perfectly for you a few years ago might not be the best fit today. Market rates, affordability criteria, and your own personal circumstances are constantly changing.

​Taking the time for a quick review before your current deal expires could save you thousands of pounds over the lifetime of your next fix.

​📩 Let's Explore Your Options
​If your mortgage deal is ending soon, don't just roll onto a costly Standard Variable Rate (SVR). Let’s look at both options together to find the smartest financial move for you.
​Get in touch today:

📞 07792 978938

✉️ [email protected]

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

Is buying cheaper than renting? 🤔​In many cases... yes, it can be.​With the right mortgage in place, your monthly paymen...
12/05/2026

Is buying cheaper than renting? 🤔

​In many cases... yes, it can be.

​With the right mortgage in place, your monthly payments could be similar to, or even lower than, your rent. Plus, every payment is going towards your future, not your landlord’s.

​Potentially lower monthly costs
​Building equity over time
​More stability and control
​A place to truly call your own
​Of course, it all depends on your personal situation, but for many people, buying is a smart long-term move.

​Curious what it could look like for you? Let’s chat. 💬
​📞 07792 978938
📧 [email protected]

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

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