Holme Mortgages - Mortgage & Protection Specialists

09/06/2026

💭 Want a simple way to cut down the total interest you pay on your mortgage?

💡 Top Tip: Making small overpayments (as long as you stay within your lender’s limits) can reduce the interest you pay over time.

Even tiny amounts - £10, £20, £50 can make a real difference over time.

Why it works:
☑️ You reduce your balance faster
☑️ You shorten your mortgage term
☑️ You pay less interest overall

🦶 Small steps. Big impact.

Your future self will be very pleased! 🫶
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Need some support or have any questions?
💬 Message us directly or 📧 email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 20/05/2026

03/06/2026

My fixed rate is ending… do I have to stay with my current lender? 💭

❌️ No - you have options...

Here’s the breakdown:
👉️ Product Transfer
Stay with your current lender and switch to one of their new deals.
👉️ Remortgage
Move to a different lender and explore potentially better rates or features.

And here’s the real Top Tip:

Don’t assume your current lender is the best choice.

The right option depends on your situation - not theirs.

When we look at this with you, we’ll consider:
📊 Your monthly budget
⏳ Whether changing the mortgage term helps
🔮 Any future plans (moving home, renovations, job changes)
🏡 Whether staying put or switching gives you the best long term value

You don’t need to guess - we compare both routes side by side so you can make a confident, informed choice.

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💬 Message us directly or 📧 email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 20/05/2026

29/05/2026

A huge thank you to another of our lovely clients Sarah, for writing this wonderful testimonial for Laura - what a godsend she is, we agree! 💗

28/05/2026

💡 Common Misconceptions About Critical Illness Cover

1️⃣ “It only pays out if I’m terminally ill”

Not true — it pays out on diagnosis of a specified serious condition like cancer, heart attack or stroke, often while you’re still recovering.

2️⃣ “If I survive, I won’t get paid”

Most claims are actually paid to people who survive and need financial support during treatment or recovery.

3️⃣ “The NHS means I don’t need it”

The NHS covers medical care, not your mortgage, bills, or lost income — this cover helps with the financial impact.

4️⃣ “It’s too expensive”

Many people are surprised how affordable it can be, especially when taken out earlier — delaying often increases cost.

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Many people think critical illness cover is complicated — but it’s more straightforward than you might expect.

It’s not about predicting the future; it’s about protecting your financial stability.
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📧 Message us directly or email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 20/05/2026

26/05/2026

How Do Critical Illness Claims Work?

If you’re diagnosed with a condition covered by your policy, you can make a claim.

The payout can help with:
🏥 Medical bills
💷 Household bills
❤️‍🩹 Treatment
😶‍🌫️ or simply giving you and your family breathing space during recovery.

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Need some support or have any questions?

💬 Message us directly or 📧 email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 18/05/2026

22/05/2026

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

Hi Everyone!

Just popping back into your feed to say a big hello 👋 from the faces behind Holme Mortgages (and childhood next door neighbours and friends since 1989 🥹)!

Whether you’ve been following us for a while or you’re one of our lovely new followers (welcome!), we thought it was time to reintroduce ourselves.

We’re just real people who love helping other real people make sense of mortgages and protection needs. That means we’re here for both personal protection (like life cover and income protection) and business protection (like key person and shareholder cover).

No jargon. No stress. Just honest advice and support.

We’d love to hear from you - whether you’re thinking about buying your first home, wondering if it’s time to remortgage, or curious about moving. Or maybe you’ve got questions about protecting your family or your business - we’re here for that too!

📧 Email us at [email protected] or just drop us a DM!

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

✅ Approved by The Openwork Partnership on 15/09/2025

20/05/2026

Critical Illness Cover - Why Younger Clients Benefit? 💭

Critical illness cover is often more affordable when you’re younger and healthier 🌱

Starting early can lock in lower premiums and long term peace of mind.

No one knows what is round the corner - something may happen that means you could miss the chance of having this cover in place for the rest of life

Just remember you are never as young as you are right now, so let's stop putting it off getting sorted and get organised asap! 👀

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If you’re unsure what Critical Illness Cover is, why you might need it or where to start - we can help.

💬 Message us directly or 📧 email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 18/05/2026

18/05/2026

New Low‑Deposit Mortgage Scheme Launched Today!

There is a brand‑new option for First Time Buyers with a minimum £5,000 personal deposit that has come to the market today — helping more people take their first step onto the property ladder.

Key Details
• Eligibility
Only one applicant on a joint application must be a First Time Buyer (listed as the first applicant).

• Purchase Price
Up to £300,000.

• Deposit
Minimum £5,000 personal deposit (not gifted; proof may be required).

• Income
Open to employed and self‑employed customers — no minimum income.

• Product
5‑year fixed rate with £0 product fee available from 95% to 98.34% LTV.

• Valuation
Includes a free Level 1 mortgage valuation.

To find out more about this product and others that may be applicable to you please message directly or email us at [email protected].

Holme Mortgages is a trading name of Supreme Financial Solutions Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 18/05/2026

18/05/2026

May half term holidays are nearly upon us, here’s some places where children eat free or for £1 in the school holidays 🙏

12/05/2026

Lots to look forward to in the Holme Valley this summer! 🙌🏼

Dates for the diary!
Holmfirth Pride was INCREDIBLE last year!
I couldn’t stand still 🤭 💃🏼