Adam Tosh - Mortgage Adviser

02/11/2026

🏡 DON’T LET A DEPOSIT BECOME A BRICK WALL.

Your proven rental payments could help you take the next step towards owning your own home.

If you’re paying rent every month but struggling to save enough for a deposit, you may have more options than you think.

There are mortgage schemes and lender options that could help eligible buyers get onto the property ladder with a smaller deposit, depending on their circumstances and the lender’s criteria.

At Mortgage Experience, we’ll help you understand your options and explore what might be possible for you.

📞 07792 978938
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

27/10/2026

YOUR MORTGAGE IS PROTECTED. BUT ARE YOU?

It’s easy to focus on protecting your home and making sure the mortgage gets paid. But have you thought about what would happen financially if you were diagnosed with a serious illness?

Critical Illness Cover can provide a tax-free lump sum if you’re diagnosed with a specified critical illness covered by your policy.

That money could help you:
🔹 Keep up with your mortgage and household bills.
🔹 Cover everyday living costs.
🔹 Replace lost income while you recover.
🔹 Give you and your family greater financial breathing space.

You can’t predict what life will throw at you, but you can think about how you’d cope financially if the unexpected happened.

If you’ve never reviewed your protection, it could be worth finding out what options are available to you.

📞 07792 978938
✉️ adam [email protected]

Please note for these insurance products, terms and conditions apply.

22/10/2026

🏠 ONLY GOT A 2% DEPOSIT?

You might think that means getting a mortgage is out of reach, but that isn’t necessarily the case.

Depending on your circumstances, affordability and the lender’s criteria, there may be mortgage options available with a deposit of just 2%.

For First Time Buyers especially, it’s worth understanding what you may be able to borrow before assuming you need to save for years to build a bigger deposit.

The amount you can borrow and the mortgage options available will depend on your individual circumstances and lender criteria.

If you’re wondering whether your deposit could be enough to get you moving, our team can help you understand your options.

📞 07792 978938
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

17/10/2026

Hi All

​It’s been incredible receiving so many recommendations from local connections recently—a huge thank you to everyone who has passed my details along!

​If you know anyone in your network (or personal life) looking for clear, hassle-free mortgage advice, I’d be delighted to help them out.

​Here’s what I bring to the table:

​A Tailored Approach: Finding the right mortgage structured around your specific circumstances, not a one-size-fits-all product.

​A Stress-Free Process: Responsive, straightforward, and supportive guidance every single step of the way.

​Whether it’s a first-time buyer, someone re-mortgaging, or a buy-to-let, feel free to drop me a direct message or drop me an email at:

[email protected].

12/10/2026

💳 HAD A FEW CREDIT PROBLEMS IN THE PAST?

A late payment, default, CCJ or historic arrears doesn’t necessarily mean you can’t get a mortgage.

What matters is the detail behind your credit history and, importantly, your circumstances today.

Lenders can consider factors such as:
🔹 What happened and why
🔹 How recent the issue was
🔹 Whether outstanding balances have been settled
🔹 Your current income and affordability
🔹 Your deposit and overall financial position

Every lender has different criteria, so a previous credit issue doesn’t always tell the full story.

If you’ve been told “no” before, or you’re worried your credit history could hold you back, it could be worth speaking to a mortgage adviser before assuming your options have run out.

📞 07792 978938
✉️ [email protected]
🌐 www.mortgage-experience.com

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

09/10/2026

29/09/2026

Prime Minister Andy Burnham has announced a new government scheme called ‘Your First Home’, aimed at helping first-time buyers who may struggle to save a larger deposit.

Here’s what we know so far:
🔑 First-time buyers could purchase a new-build home with a deposit of just 2.5%.
💷 The scheme is expected to provide a government-backed equity loan of up to 20% of the property value.
📊 An initial interest-free period is planned for the equity loan.
🏡 The scheme will be targeted at buyers who may not have access to financial help from family, with household income and local property price caps expected to apply.

The important bit: the scheme has been announced, but the full eligibility criteria and implementation details have not yet been confirmed. Further details are expected in the October Budget.

So, if you’re a first-time buyer who has been finding the deposit hurdle difficult, this is certainly one to keep an eye on.

We’ll share more information as the details become clearer.

📞 07792 978938
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us



Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

28/09/2026

ONE DAY, YOUR INCOME WILL STOP. HAVE YOU PLANNED FOR IT?

It’s not something any of us particularly want to think about. But if your income helps keep your family’s life running, what would happen if it suddenly disappeared?

Family Income Benefit can provide your loved ones with a regular monthly income if you die during the policy term, helping towards the mortgage, household bills, childcare and everyday living costs.

Rather than leaving your family to face a large financial change all at once, it can provide ongoing financial support when they need it most.

Because protecting your family isn’t just about protecting your home. It’s about protecting the life you’ve built together.

If you haven’t reviewed your protection recently, it could be worth finding out what options are available.

📞 07792 978938
✉️ [email protected]
🌐 www.mortgage-experience.com

Please note for these insurance products, terms and conditions apply.

26/09/2026

[email protected]

​Behind every mortgage application is a story, a family, and a milestone.

​As a Mortgage Adviser, you guide clients through every twist and turn. By completion day, you’ve shared so many updates and solved so many hurdles together that you feel completely invested in their journey.

​Receiving a message in the middle of boxes and deliveries on move day that says: "Thank you, we did it!" — well that’s why I do what I do.

​Grateful for the clients who trust me with such a huge moment in their lives. 🔑✨

24/09/2026

☀️ Summer is winding down and Christmas will be here before we know it.

If moving home is on your mind, now could be a good time to start exploring your mortgage options.

Getting things in place early can give you a clearer idea of what you could afford, what your options are and how much time you have to find the right home.

So, if you’d love to be settling into a new home before Christmas, why not start the conversation now?

📞 07792 978938
✉️ [email protected]

Adam Tosh - Mortgage Adviser

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.