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Eastgate Mortgages & Protection

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Mortgage & Protection solutions designed around you.

03/11/2026

Another super review for Edd!

J&N contacted us to help them purchase their dream home. They were unsure what their options were as their current mortgage rate wasn't due to end until 2029, after going through all the options we submitted an application to their current lender helped them to avoid paying any early repayment charges and the mortgage offer was produced TWO days later!

Looking for an adviser who will be on hand to answer all of your questions?

Contact us today 😀

02/11/2026

If the Budget has made you look twice at buy to let, the question is not only the rate — it is how the property is held.

Moving your rental properties from your personal name to a limited company is not just a paper switch. The lender’s approach can change, the tax treatment may be different, and the admin can become more involved.

That does not mean a company structure is the right move, or the wrong one. It does mean the full picture matters before you make changes. A useful first step is to compare what you have now with what a company setup could mean for the mortgage, the running of the property and your longer-term plan.

Message us today for more information

31/10/2026

Don't let your family's future be a horror story. 😱

Drop us a message for a fright-free quote today!

29/10/2026

𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐞 𝐛𝐮𝐝𝐠𝐞𝐭 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?

𝐅𝐢𝐫𝐬𝐭 𝐭𝐢𝐦𝐞 𝐛𝐮𝐲𝐞𝐫𝐬 - A new First Time Buyer ISA is due to replace the current Lifetime ISA.

"Your First Home" scheme announced. This will let first time buyers to purchase a new build property with a 2.5% deposit. The government will lend you up to an additional 20%. More details to be announced soon

𝐋𝐚𝐧𝐝𝐥𝐨𝐫𝐝𝐬 - An extra 2% tax on income from property rental to be applied from April 2027.

𝐇𝐨𝐮𝐬𝐞 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞𝐬 - No changes have been announced to Stamp Duty rates.

𝐄𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬 - Mortgage interest rates don't automatically change because of the Budget, however many lenders may change their rates following yesterday's announcement. The next based rate announcement from the Bank of England is due on the 5th of November.

We're here to make sure you fully understand your mortgage options and feel confident in your decisions. Head over to our website to book a time to chat, or simply send us a message here.

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

27/10/2026

A new baby, a remortgage, a change in work, or even just a different monthly budget can mean your current arrangements deserve a fresh look.

That does not mean you need to start from scratch. It simply means it can help to review what you already have, what it is meant to do, and whether it still fits the household as it is now.

We can help with mortgages, remortgages, life cover, critical illness, family protection and income protection. Often the useful first step is just a clear conversation about what has changed, what you want to protect and what may need updating.

Message us today for more information.

22/10/2026

If your circumstances change, the first question is not “what product do we need?” It is “what has changed, and what now matters most?”

A change can affect more than one part of your finances. A new baby, a separation, someone moving in, or a change in work can all change the order of priorities.

A helpful place to start is to ask:
• What has changed?
• What payment or cover now feels too tight?
• Is the immediate concern the mortgage, protection, or both?

When your priorities are named early, you can focus on the right next step.

Message us today for more information

20/10/2026

Sorting your paperwork before you find a property makes the process far easier to manage.

A simple home-buying folder is worth putting together early. Keep it to the things a lender, solicitor or adviser is likely to ask for, rather than a pile of random PDFs.

A practical setup is:
• Proof of ID and address in one place
• Recent payslips, bank statements and any employment paperwork together
• Notes on your deposit and any regular commitments you want to discuss

That third part matters because it helps you spot anything that may need a closer look before an application is underway. A tidy folder does not guarantee a smooth purchase, but it does make the early conversations more valuable.

Message us today for more information

19/10/2026

An agreement in principle can be useful, but it does not mean everything is finished.

An agreement in principle is a lender’s early indication that they may be willing to lend, based on the information they have at that point.

What it does not mean is that the mortgage is guaranteed, fully checked or ready to complete. The full application still matters, and the lender can ask for more detail before making a final decision.

That is why an AIP is best treated as a useful step, not the finish line. It helps you move forward with more clarity, but it should not be confused with a final mortgage offer.

Message us today for more information

17/10/2026

An estate agent and a mortgage adviser are not doing the same job.

An estate agent helps with the property side: listing, viewings, offers and negotiating between buyer and seller.

A mortgage adviser helps with the finance side: working through borrowing options, explaining what lenders may ask for and helping you understand the numbers before you make an offer.

If you are planning a move, rather than asking “who should I speak to first?” The more useful question is: “Which part of the move do I need help with right now?”

That usually makes the next step much clearer.

Message us today for more information

16/10/2026

Life cover, critical illness cover and income protection do different jobs, but the right starting point is still your circumstances. A single parent, a couple with a mortgage, or someone whose pay depends on overtime may all need to think about protection in a different way.

The question is not “what is the cheapest policy?” but “what would need replacing if life changed tomorrow?” That might be household income, a mortgage payment, or money to keep things steady while you recover.

Understanding that before you compare products makes the conversation much clearer.

Message us today for more information

Address

Hucknall

Telephone

+447714210039

Website

https://www.eastgateassociates.com/

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