Emma Godson - Treehouse Mortgages Ltd

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Emma Godson - Treehouse Mortgages Ltd

Treehouse Mortgages Limited is a mortgage advice service based in West Yorkshire, offering expert advice and services nationwide.

We provide "Whole of the Market" mortgage guidance, allowing us to access mortgages from a huge variety of lenders.

08/02/2026

Jumping on the bandwagon 😂

29/08/2025

Your First Home Could Be Closer Than You Think... 🏡✨

Most people believe buying a home is years away… but what if it’s not?

With the right advice, smart planning, and access to the best mortgage options, your first set of keys could be in your hand much sooner than you imagined.

Don’t let uncertainty hold you back — let’s explore your options today.

👉 Send me a message and I’ll help you take the first step toward owning your home.

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

27/08/2025

🏡✨ Big Smiles, Big Keys, New Beginnings! ✨🏡

Meet Sarah & James 👋 — a down-to-earth couple who just got the keys to their very FIRST home! 🎉
No more renting. No more “sorry, the landlord’s selling.” This place is finally theirs.

They told me at the start:
👉 “We don’t think we’ll ever get approved.”
👉 “We’ve only been saving for a short while.”
👉 “The whole mortgage thing feels impossible.”

Fast forward a few months… and here they are, unpacking boxes, smiling ear to ear, making memories in their own home. 💕

That’s what the right advice + the right mortgage can do.

If you’ve ever thought, “We’ll never get there” — this is your sign.
📩 Message me today, and let’s see if I can help make your dream happen too.

Because the truth is: ordinary people buy homes every single day. Why not you?

20/08/2025

💸 Don’t Leave £££ on the Table—Remortgage NOW While Rates Are Still Low! 🏠

Nearly 1 in 3 mortgage holders are remortgaging in 2025—average annual repayments are set to rise by £3,972 unless borrowers act. 📈

In June 2025, remortgaging hit its highest level since 2022—41,800 homeowners secured new deals. 🖊️

Rates Are Falling—But Not for Long ⏳

The Bank of England’s base rate was cut to 4% on 7 August 📉

Average 2- and 5-year fixes ≈ 4.49% 🔑

The lowest deals are dipping under 3.75%–4%—with Nationwide at 3.81% ⚡

Lenders Are Fighting for You ⚔️
Halifax, Barclays, Nationwide, TSB & Skipton have all launched sub-4% fixed-rate deals
Halifax even extended completion deadlines—giving borrowers more breathing room

The Clock Is Ticking 🕒
Experts warn: inflation remains sticky , future cuts are uncertain, and this price war won’t last forever. Act now to lock in the savings. 🔐

What This Means for You 💡
✅ Save thousands on repayments
✅ Lock in stability with low fixed rates
✅ Extra flexibility on timelines
✅ Beat the rush before deals vanish

👉 Hit 👍, comment “💷 Remortgage” if you want the most suitable remortgage rates to suit your situation, and share this with anyone whose deal is ending soon—because nobody should overpay their mortgage in 2025!

15/08/2025

“Doing nothing could cost you every month.” 💸🏡

When your fixed mortgage deal ends, many lenders move you onto their Standard Variable Rate — often higher than your previous rate.
It’s not illegal, but it can mean you’re paying more than necessary.

A quick review could show if there’s a better deal for your situation — keeping more of your money where it belongs: with you.

📩 Message me for a no-obligation review.

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

13/08/2025

💡 "This isn’t just your first home… it’s your first safe home."

"Meet Emma and Daniel—excited first-time buyers who fell in love with their dream house. The kitchen tile, the big backyard... everything was perfect. But then they discovered hidden faults: a cracked foundation and leaky pipes—not visible at first glance. Their dream? Nearly became a nightmare.

Here’s what they did to protect their investment—and themselves:

👉 Snagging inspection: they uncovered issues before closing.

👉 Homeowner protection package: A small upfront cost gave them peace of mind against plumbing and electrical surprises.

👉 Comprehensive home insurance: With coverage tailored to first-time buyers, they knew they were protected from day one.

Now? They stepped into their new home confident, safe—and free from overnight regret.

Want the same peace of mind?

Let’s make your dream home a safe home."

👇 What protection step would YOU take first in your new home?"*

11/08/2025

💡 First-Time Buyer? Here’s What I Wish I Knew… 🏡✨

Buying your first home is exciting… but wow, no one warns you about the rollercoaster ride!
Here’s what I wish someone had told me before I started:

1️⃣ Your deposit isn’t the only cost – Surveys, solicitors, moving vans… it adds up FAST.
2️⃣ Your credit score is your golden ticket – Start polishing it months before you apply.
3️⃣ The “perfect” house might not exist – But the right one for you does.
4️⃣ Get a mortgage agreement in principle early – Sellers will take you more seriously.
5️⃣ Don’t stretch to your absolute limit – Leave room for furniture, repairs, and life!

Buying your first home isn’t just about bricks and mortar… it’s about peace of mind.
That’s where I come in. I’ll guide you through the process, avoid the costly mistakes, and make sure your mortgage fits your lifestyle – not the other way around.

🏠 Thinking about buying your first home?
Send me a quick message – no pressure, no jargon, just honest advice.

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

05/08/2025

Did you know energy-efficient homes can sometimes get you better mortgage terms? 🌱

With schemes like NatWest’s Home Energy Hub, sustainability is key in 2025.

Curious how this works?

DM us for a chat! What eco-friendly features are you looking for in your first home? 🏠

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

28/07/2025

🏡 Thinking About Buying a Home or Remortgaging? Call Your Local Mortgage Adviser Today! 📞

Whether you're a first-time buyer, moving house, remortgaging, or investing in property—navigating the mortgage world alone can be overwhelming. That’s where your local mortgage adviser comes in.

✅ Expert, tailored advice
✅ Access to a wide range of lenders
✅ Support with paperwork and affordability
✅ Help understanding what you really can borrow
✅ Guidance every step of the way

A quick chat today could save you stress (and money!) tomorrow.

📲 Don’t guess—get the guidance you deserve. Contact your local mortgage adviser and take the first confident step toward your property goals.

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

21/07/2025

🔑 Your Home. Your Future. Your Adviser. 🏡

Let’s be real: life doesn’t come with a how-to guide — and neither does getting a mortgage. That’s where I come in.

I’m not just here to help you find a mortgage. I’m here to walk with you through it all:

✅ First-Time Buyer? I’ll help translate the jargon and guide you from "offer accepted" to "keys in hand."
✅ Remortgaging? Whether your fixed rate is ending or you just want to review your options, I’ll help explore what’s possible.
✅ Moving Home? I’ll work to make the transition smoother — and the numbers make sense.
✅ Self-Employed or Complex Income? Don’t stress. I’ve helped people with all kinds of income situations find suitable mortgage options.
✅ Buy-to-Let Landlord? Whether it’s your first investment property or your fifth, I’ll help you look at the bigger picture.
✅ Protection Planning – Because getting the keys is just the start. I’ll help you look at options for life insurance, income protection, and more to help protect what matters most.
✅ Credit Concerns? We can review your circumstances together and see what might be possible.

Think of me as your mortgage guide, translator, and sounding board — all in one. With direct access to a wide panel of lenders, I can search the market on your behalf, saving you time, hassle, and the classic “what now?” moments.

💬 Let’s make a plan that works for you — not just the paperwork.

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

18/07/2025

🚨 Self-Employed & Ready to Buy Your First Home? 🏡

Being your own boss shouldn’t hold you back from getting on the property ladder — but for many self-employed first-time buyers, the process can feel overwhelming. We’re here to change that. ✅

At Green Fern, we understand the unique challenges of proving your income, especially if:
✔️ You’ve only been trading for 1–2 years
✔️ You use an accountant to reduce your tax bill
✔️ You take dividends or drawdowns
✔️ You’re unsure what lenders actually want to see

💼 We work with lenders who understand the self-employed — whether you're a sole trader, limited company director, contractor or freelancer.

Let us simplify the journey and help you secure the keys to your first home. 🔑

⚠️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT

Address

The Oaks
Huddersfield
HD33TQ

Telephone

+447860189465

Website

http://www.treehousemortgages.com/

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