Naomi Financial

03/11/2026

28/10/2026

🏡 DECLINED TO KEYS IN JUST 9 WEEKS! 🤍

A HUGE congratulations to Marie and Nick, who are collecting the keys to their new home today! 🥂🔑

Their journey didn’t get off to the best start. After trying to arrange their mortgage themselves, they waited 6 weeks only to have their application declined by the lender.

Thankfully, they came to us following a recommendation, and what happened next was a very different story… 🥹

✨ Just 5 days after submitting their new application, their mortgage offer was issued — cue lots of happy tears! 🤍

And now, just 4.5 weeks later, they’re picking up the keys to their new home! 🏡

This is exactly why getting the right mortgage advice matters. A decline doesn’t always mean the end of the road — sometimes, it’s about finding the right lender for your circumstances.

Marie and Nick, we’re absolutely delighted for you both. Thank you for trusting Naomi Financial to help you achieve your homeownership dreams. We hope your new home is filled with happiness, laughter and lots of lovely memories! 🥂🤍

Thinking about a mortgage? Let’s get it right from the start  🏡

06/10/2026

🚨 ATTENTION ALL SELF-EMPLOYED! 🚨

Many lenders are now asking for your 2026 tax return to support new mortgage applications.

While a few will still accept your 2025 return, relying on that could limit your options and you might miss out on better rates or deals.

Get your 2026 return filed early to keep all your mortgage choices open.

If you need help navigating the mortgage market - whether you're remortgaging or buying a new home - then get in touch with the team at Naomi Financial!

Naomi x

☎️ 07725875733
📧 [email protected]
🌐 www.naomifinancial.com



📃 THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THIS POST IS SUBJECT TO THE UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK.

OUR INITIAL MORTGAGE CONSULTATION IS FREE AND WITH NO OBLIGATION. SHOULD YOU PROCEED TO AN APPLICATION THERE WILL USUALLY BE A FEE FOR MORTGAGE ADVICE. THE PRECISE AMOUNT OF THE FEE WILL DEPEND UPON YOUR CIRCUMSTANCES BUT WILL RANGE FROM £99 TO £695 AND THIS WILL BE DISCUSSED AND AGREED WITH YOU AT THE EARLIEST OPPORTUNITY BUT THE TYPICAL FEE IS £495. WE WILL ALWAYS CONFIRM OUR FEES TO YOU UPFRONT AND THESE WILL BE CONFIRMED IN YOUR INITIAL MORTGAGE QUOTE.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF BUY TO LETS. 📃

05/10/2026

✨ WHY YOU SHOULD USE A MORTGAGE BROKER ✨

There are so many benefits of using a mortgage broker.

Some of the main ones are;

✅ Personalised advice

✅ Access to exclusive deals, only available through a broker

✅ Ensures you have the most suitable deal available to you

✅ Assess your financial situation thoroughly

✅ Explain complex mortgage jargon and different mortgage types (fixed-rate, tracker, offset, etc.)

✅ Help you understand lending criteria and improve your application

✅ Offer tailored advice based on your unique circumstances, especially if you have an unusual financial profile (e.g., self-employed, irregular income, poor credit)

✅ Provide guidance throughout the entire application process, from initial assessment to completion

✅ Access to underwriters for common sense approvals

✅ On hand to answer any questions. There's always a lot!

✅ Guide you through the process from start to finish

✅ A less stressful process

✅ Time saving

When you use a mortgage adviser working in a bank, they are working for the bank.

As YOUR mortgage broker we have YOUR best interests at heart every step of the way!

Any questions? Get in touch with the team at Naomi Financial, we'd love to help! 😊

📃 THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THIS POST IS SUBJECT TO THE UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK.

OUR INITIAL MORTGAGE CONSULTATION IS FREE AND WITH NO OBLIGATION. SHOULD YOU PROCEED TO AN APPLICATION THERE WILL USUALLY BE A FEE FOR MORTGAGE ADVICE. THE PRECISE AMOUNT OF THE FEE WILL DEPEND UPON YOUR CIRCUMSTANCES BUT WILL RANGE FROM £99 TO £695 AND THIS WILL BE DISCUSSED AND AGREED WITH YOU AT THE EARLIEST OPPORTUNITY BUT THE TYPICAL FEE IS £495. WE WILL ALWAYS CONFIRM OUR FEES TO YOU UPFRONT AND THESE WILL BE CONFIRMED IN YOUR INITIAL MORTGAGE QUOTE.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF BUY TO LETS. 📃

29/09/2026

Picking up some tasty treats for my client home visits today whilst supporting another local business Bolster Moor Farm Shop

The deal is you make the brews, we'll bring the biscuits 🩷

27/09/2026

On Sundays we prep.

This week is already shaping up to be a busy week. Some of the things we're doing this week:

💥 Helping a client purchasing a gorgeous home for £1,250,000

💥 Helping a client navigate a separation, releasing equity for the buy out and taking the mortgage on by herself

💥 Visiting a client for a brew who was recently widowed

💥 Helping a client with an insurance claim for their child who has been diagnosed with cancer 😞

💥 Pushing through existing mortgages with underwriters

💥 Remortgaging a number of clients whose deals are ending shortly

💥 Setting up personal insurance for a couple to protect themselves, each other and their family against the illness

We're not just mortgage and insurance brokers, we're here through the ups and downs of life and a friendly face to talk to when life gets tough.

As always thank you to everyone who supports us doing the job we love 💕