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Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 9am - 6pm Thursday 8am - 6pm Friday 8am - 5:30pm Saturday 10:30am - 3pm

L&P Mortgage & Financial Services LTD

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L&P Mortgage & Financial Services LTD

L&P Mortgage & Financial Services are an Essex based independent mortgage advisory service.

02/10/2026

🎃👻 DON’T LET YOUR MORTGAGE RATE GIVE YOU A FRIGHT! 👻🎃

Halloween is creeping closer… and unfortunately, it’s not just ghosts that could be giving homeowners a fright! 😱

📈 Mortgage fixed rates have been moving upwards in recent months.

According to the latest Moneyfacts data, the average UK 2-year fixed mortgage rate was 5.73%, while the average 5-year fixed rate was 5.78% as at 15 September 2026.

The Bank of England has also highlighted that mortgage fixed rates have increased as financial markets have reacted to higher energy prices and inflationary pressures. (Moneyfacts Group⁠)

So, if your current mortgage deal is coming to an end, now could be a good time to start looking at your options. 👀

And remember… you may be able to secure a new fixed rate months before your existing deal ends, giving you the opportunity to consider your options rather than waiting until the last minute.

🧙‍♂️ Don’t let your mortgage become the scary part of your finances!

At L&P Mortgage & Financial Services Ltd, we can talk you through the options available to you and help you understand what may be suitable for your circumstances.

🏠 Remortgaging
🏠 Product transfers
🏠 Residential mortgages
🏠 Buy-to-let
🏠 And more…

📞 Want to see what your options are?
Get in touch with L&P Mortgage & Financial Services Ltd for a no-obligation discussion.

🎃 Because the only thing you should be scared of this Halloween is leaving your mortgage until the last minute! 👻

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

24/08/2025

🗓 Matchday
⚽ Riley's All Stars 🆚 Sceptre XI
📍 The Len Salmon Stadium (Bowers and Pitsea)
⏰ 3.30pm
Come down and show your support 💙

02/01/2025

🎉✨ Happy New Year from Andy, Sue, and the Team at L&P Mortgages! ✨🎉

We’re so excited to kick off 2025 with you and help make your homeownership dreams a reality. Whether you’re buying your first home, upgrading, or remortgaging, we’re here every step of the way.

This year is full of new possibilities, and we can’t wait to see what’s in store. Here’s to a year of growth, success, and finding the perfect place to call home! 🏡💛

Let’s make 2025 unforgettable—together! 🌟

16/11/2024

Received or are about to receive an end-of-year bonus? Wondering if you can use it for your mortgage application? 💰

The short answer is yes, but it's not always straightforward.

Lenders have different approaches to bonus income. Some may count all of it, others only a portion, and some might not consider it at all. Consistency, value, and type of bonus all affect how it's viewed.

If you're relying heavily on bonus income, it might be trickier to get approved. 🤔

Need help with a complex income situation? Our expert advisers can guide you through the process. 🙌🏼

Call: 01702 531782/ 01702 746600
E-mail: [email protected]

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

13/11/2024

Family Income Benefit, what is it? A type of life insurance that provides regular, tax-free income to your family if you pass away or become terminally ill. 💷

How does it work? You choose the policy term and coverage amount. If something happens to you, your family receives monthly payments for the remaining term. 📅

Who's it for? Anyone who wants to ensure their loved ones have a steady income stream to maintain their lifestyle and cover ongoing expenses. 🧑‍🧑‍🧒

With lower premiums and tax-free payouts, Family Income Benefit offers peace of mind for you and financial security for your family. 🛡️

Want to learn more about protecting your family's future? Get in touch with us today!

11/11/2024

Feeling lost in the mortgage maze? You're not alone! 🏠

Mortgages can be complicated, whether you're a first-timer or an experienced homeowner. The process often leaves people scratching their heads. 🤔

But don't worry! We're here to simplify things and take the confusion out of your mortgage journey.

From first-time buyers to those looking to climb the property ladder or home movers ready to take the next steps up the ladder or remortgage your current home, we're your starting point for clear, straightforward advice. 🙌🏼

Get in touch today and let's chat about your mortgage options!

Call: 01702 531782/ 01702 746600
E-mail: [email protected]

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

09/11/2024

Locking in your next mortgage deal early can offer several benefits:

🔵 Avoid interest rate hikes: Secure a competitive rate before they potentially increase.
⚪️ Gain peace of mind: Have your mortgage sorted well in advance, reducing stress.
🔵 Take advantage of early bird offers: Some lenders offer special deals for remortgaging early.

Wondering where to start? We can help you:

🙌🏼 Assess your current situation: Review your existing mortgage and financial goals.
🙌🏼 Explore your options: Compare different lenders and mortgage products.
🙌🏼 Find the deals: Secure a competitive rate that suits your needs.

Message or call us today 📱

Call: 01702 531782/ 01702 746600
E-mail: [email protected]

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

07/11/2024

The Bank of England has just announced a base rate drop from 5% to 4.75%! 🎉

So, what does this mean for you?
If you’re looking to buy your first home or move home, you may see an alteration in mortgages available to you, as well as potential reductions from lenders in their products.

For those on tracker or variable rate mortgages, your monthly payments may reduce from next month 🤩

This small change could make a big difference! Whether you're looking to buy, remortgage, or simply want to stay informed, reach out to find out how this recent change affects you 📱

Call: 01702 531782/ 01702 746600
E-mail: [email protected]

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

04/11/2024

Don't let unexpected events leave you financially vulnerable. 😯

Income protection insurance could provide a financial safety net if you're unable to work due to illness or injury.

How can we help? We'll assess your needs and find the most suitable policy to protect your income.🔒

DM us or call us for your consultation 🛡️

02/11/2024

Worried about employment gaps affecting your mortgage application? 🤔 Don't let it spook you. While employment gaps can be a factor, it's not always a deal-breaker.

Here's what you need to know:

👉🏼 Length matters: Shorter gaps are generally less of a concern.
👉🏼 Reasons matter: If the gap was due to a legitimate reason, such as illness, maternity leave, or starting a new business, it may be viewed more favourably.
👉🏼 Strong history helps: A solid employment history can offset gaps.

If you have an employment gap, it's important to be transparent with lenders and provide any relevant documentation to explain the circumstances. 📄

We can provide guidance on how to address any concerns related to employment gaps and find the most suitable mortgage for your needs. 🤩

Call: 01702 531782/ 01702 746600
E-mail: [email protected]

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

Address

Hamilton Gardens
Hockley
SS55BX

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	9am - 6pm
Thursday	8am - 6pm
Friday	8am - 5:30pm
Saturday	10:30am - 3pm

Website

http://www.landpmortgages.com/

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