Instant Mortgage Solutions

04/09/2026

When you take out a mortgage, one of the first decisions you'll make is whether to go repayment or interest only - and it's worth understanding what each one actually means for you.

With a repayment mortgage, your monthly payments cover both the interest and a portion of the loan itself. It costs more each month, but your balance is gradually reducing the whole time, and at the end of your term the property is yours outright.

With an interest only mortgage, your monthly payments are lower because you're only covering the interest. The loan itself doesn't reduce, so you'll need a separate plan in place to pay off the full balance at the end - whether that's savings, investments, or the sale of the property.

Interest only is less common for residential buyers these days and lenders have strict criteria around who qualifies. It's more widely used in buy-to-let, where the numbers often work differently.

For most people buying a home to live in, repayment is the right route. But the best answer always depends on your individual circumstances, and it's worth talking it through before you decide.

That's exactly what we're here for.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

02/09/2026

Nobody really talks about the bits in between the exciting parts of buying your first home. So here's a little reassurance for anyone who needs it.

Feeling overwhelmed before you feel excited?
Not knowing your budget until you actually ask a broker?
Changing your mind three times about what you want?

Buying your first home is a big deal and it's okay for it to feel like one. The right broker will work at your pace, answer the same question as many times as you need, and make sure you feel confident before you commit to anything.

That's exactly what we're here for.
📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

01/09/2026

Buying a home is one of the biggest financial decisions you'll make - so a bit of preparation goes a long way.

These four things are worth sorting before you get too far into the process. The Agreement in Principle one in particular is something we see buyers overlook all the time, and it can really cost you when a good property comes up and you're not ready to move.

If you want help with any of these - whether that's getting your AIP in place, understanding what protection cover is right for you, or just working out where to start - give us a call.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

29/08/2026

A lot of first-time buyers focus entirely on saving for their deposit - and then get caught out by the other costs that come with buying a home.

Legal fees, surveys, and moving costs can easily add up to several thousand pounds on top of your deposit, and they're not always front of mind when you're deep in the saving process.

Here's what to factor into your budget:
Conveyancing - your solicitor or licensed conveyancer handles the legal side of the purchase. Get a few quotes before you commit to one.

Survey - your lender will carry out a basic valuation, but a more detailed homebuyer's survey is worth considering, especially on older properties. It could save you a nasty surprise down the line.

Stamp duty - what you pay depends on the purchase price and your situation as a buyer. We can help you work out exactly what applies to you.

Moving costs - removals, van hire, storage. It adds up quicker than most people expect.

None of this needs to catch you off guard. We always make sure our clients have the full picture before they commit to anything.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

27/08/2026

So many people put off speaking to a broker because they've already decided the answer is no.

But an assumption isn't the same as an answer. We speak to people every week who come in expecting to be told they can't - and leave with a clear plan and a timeline for their first home.

If you've been assuming rather than asking, it might be time to actually find out.
Get in touch today.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

20/08/2026

This one really made our day!

Buying your first home in a new country is a big deal - and knowing that Vikki made that experience as smooth and stress-free as possible for Yuliia, Ross and David means everything to us.

Always available, patient with every question, and there at every stage of the process. That's exactly the kind of service we want every client to feel they've had.

Huge congratulations to the three of them on their first UK home - and thank you so much for taking the time to leave such a kind review.

If you're thinking about buying and want a team that'll really look after you, get in touch.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your property.

18/08/2026

Before you start viewing properties, there are a few things worth getting sorted first.

A lot of people jump straight into browsing Rightmove before they've really looked at where they stand financially - and it can actually cause problems further down the line. So here's what we'd suggest doing before you start...

Check your credit report. It sounds obvious but so many people haven't looked at theirs in years. There might be errors on there that are affecting your score without you even knowing, and getting those fixed early can make a real difference to what you're offered.

Get on the electoral roll if you're not already. Lenders use it to verify your address history and it genuinely does affect your credit score.

Look at your outgoings honestly. Lenders will go through your bank statements and assess your affordability based on what you're actually spending - not just what you earn. The cleaner your finances look going in, the better.

And if you're still saving your deposit, try to aim for at least 10% if you can. Getting to 15 or 20% really does open up significantly better options.

If you want someone to walk you through exactly where you stand, that's what we're here for.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

18/08/2026

Are you making overpayments on your mortgage?

teixeira.mortgages

18/08/2026

14/08/2026

Do you actually know how much stamp duty you'll pay on your next property purchase?

It's one of those costs that catches a lot of people off guard - especially first-time buyers who are so focused on the deposit that everything else sort of creeps up on them. So we built a stamp duty calculator on our website that gives you an instant answer based on your exact situation.

It accounts for whether you're a first-time buyer, whether it's a buy-to-let or second home, and whether any of the purchasers are non-UK resident - so the figure you get is actually relevant to you rather than just a generic estimate.

Takes about 30 seconds to use and it's completely free. Worth doing before you commit to a budget.

Link in bio to try it now - or if you want to talk through what you're looking at, give us a call.

📞 01708 509 161
🌐 instantmortgagesolutions.co.uk

This calculator is provided as a guide only. It assumes the property is freehold and for residential purposes in England and Northern Ireland. Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.