Plura Mortgage Advice

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Plura Mortgage Advice

Local Mortgage Advice based in Lepton, Huddersfield (HD8). Providing a friendly service to clients all over West Yorkshire.
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We help with: Mortgages, Insurance, Business Protection & B&C cover

With you every step of the way, all the way through life.

25/02/2026

CAN I CHAGE MY INTEREST RATE, EVEN AFTER I’VE GOT MY MORTGAGE OFFER❓⁉️

The short answer is yes!

Once we apply for a mortgage on your behalf and a mortgage offer is issued, most lenders allow your advisor to CHANGE the product if a new, lower interest rate becomes available 😁📉

If you’re receiving advice and aren’t aware of this, or your advisor isn’t regularly acknowledging that they’re checking your rate, keeping you updated… you might want to ask them about this 💡

Most mortgage offers last for 6 months, so starting early is always advised. This will mean you can secure a rate early… so if rates go up, you’re protected on the rate you applied for…

but if rates come down… your advisor can switch you to the lower rate, saving you £££ 🙌🏻🏡

We have countless examples of doing this for customers over the years, and it can make a HUGE difference ✅💷

YOUR HOME MAY BE REPOSSESSED IF YOU DONT KEEP UP REPAYMENTS ON YOUR MORTGAGE

*not all lenders allow your rate to be switched between offer and completion of your mortgage

**images of rates used in this video are illustrative only & are not accurate current mortgage interest rates

30/01/2026

WE WON 🥳

For the second year in a row, I’ve been awarded the top advisor award for Overall Case Quality in the North East & Yorkshire Region, for Mortgage & Protection Advice 😄🚀

With 164 firms & over 400 advisors in our region, it’s a massive success which reaffirms our commitment to taking the time to get to know our clients, and provide advice that is tailored to your unique, individual needs.

When I started Plura in 2023, the goal was to spend time getting to know everyone I work with personally, so I can provide honest, thoughtful advice based on what I’ve come to learn about you, and what’s most important to you and your family 🏡🧑‍🧑‍🧒‍🧒

A different approach to advice. Never a transaction, and ALWAYS a relationship 🤝

The Overall Case quality award recognises the mission of the business, and shows that relationships really do matter

I’ll never be the advisor submitting the most business in my mortgage network, and I’m ok with that. A fun business to run, is a business where you like who you work with, and get the privilege of being a part of their lives, for the long run!

So here’s to many more years of growth, together. Thanks for your continued support 😄🙌🏻

25/01/2026

🚨 FUNDRAISER FOR KIRKWOOD HOSPICE 🚨

This year, in May, I’ve decided to run my first ever Marathon, and to do some good while taking this challenge on, I’ve decided to run it to raise much needed money for

As you can see by my face in the picture… I’m not looking forward to it 😅😂

… But to get the fundraising started, I’ve donated £500 from my business to show my commitment to achieving my ambitious goal of raising £3,000 to help Kirkwood continue to support our local community… a goal I have no chance of reaching without your help!

So I’m writing this to ask for your support. I’d be extremely grateful if you’d consider sponsoring me on this journey. No contribution is too small, and every bit helps. Your support would not only mean the world to me, but it would also help make a small difference in the lives of the thousands of people The Kirkwood hospice continue to support in our community every year ❤️🙌🏻

LINK TO SPONSOR IS IN MY BIO

Thanks,
Dec 🏃🏻‍♂️

26/12/2025

MERRY CHRISTMAS & A HAPPY NEW YEAR! 🎄🎅😃

… Yes, I’m a day late 🫣 but yesterday I was busy celebrating with family, just as I hope you all were too!

Thanks for following along this year. More content coming in 2026 🎬🍿

See you all soon 😁🙌🏻

24/12/2025

CHRISTMAS COMPETITION WINNER 🥳🎄🎅

Congratulations to who takes home the prize this year! Swipe to see the draw 👉🏻

Please check your private messages to claim your cash prize and give us your charity of choice 📥

Thanks to all those who entered & for all of your support this year. This years competition was our most popular competition yet… and all for a great cause 😄🙌🏻

£100 to Vicky ✅
£100 to a Charity of Vicky’s choosing ✅
£100 to ✅

I hope 2026 brings some great times for you all!

MERRY CHRISTMAS & A HAPPY NEW YEAR 🎄🙌🏻

21/12/2025

CHRISTMAS COMPETITION - YEAR 3‼️🎁🎄

2025… What a year it’s been!🎅

To say thank you for your support this year, to one lucky winner, we’re giving away:

1️⃣ £100 Cash Prize Money
2️⃣ £100 Charitable donation to a Charity of your choosing
3️⃣ AND… £100 Donation to Kirkwood Hospice as part of our commitment to support our local community

To enter the competition you must:

✅ Follow (Instagram entries) OR Plura Mortgage Advice (Facebook entries) AND like this post
✅ Share this post on your story & tag us
✅ Tag 3 friends in the comments of this post

Terms & Conditions:

· Opening Date: December 21st

· Closing Date: December 24th @ 12:00pm (noon)

· 1 Prize Available: £100 cash prize & £100 charitable donation to one winner only. We will also donate £100 to our chosen charity (Kirkwood Hospice)

· Winners will be announced on December 24th. The winner will have Until December 31st @ noon to respond to our message with their payment/contact details & charity of choice or a new winner will be selected.

· Each Person will only be entered into the draw once if they meet the 3 entry requirements. Nobody can enter more than once.

· There is no cash alternative to the charitable donation.

I feel incredibly grateful for all the support my followers, clients, friends & family show me. Thank you again for being apart of the Plura family. Here’s to more Dec talking mortgages in 2026!

Have a fantastic Christmas and a Happy New Year 🙌🏻🎅

04/12/2025

CLIENT FEEDBACK ✅🚀

The start of Becca & Brenden’s journey into home ownership, and the start of our journey together, supporting them for many years to come.

Never a transaction, always a relationship… Mortgage Advice, for life!

Thanks for the lovely review Becca 😄🙌🏻

23/11/2025

REASONS TO REVIEW BEFORE YOU RENEW 😍🏡

With the end of their fixed rate coming, after 2 years on a Liz Truss budget interest rate… we undertook a full review for a couple of clients 2 years into their home ownership journey ✅

When they originally took the mortgage out, they opted for a longer than desired 35 year term due to tough market conditions & high interest rates at the time, to keep payments at an affordable level within their budget

2 years later, the clients know what they’re paying is extremely affordable, and they told me they’d happy to keep paying a similar figure, “if it’s worth it” 💭

With no intention to move in the near future, reducing the term made so much sense, while keeping payments within the budget they’re still happy to pay! 💡

THE REMORTGAGE RESULT?

✅ Lower monthly payment
✅ Lower interest rate
✅ Less overall interest payable
✅ Reducing their balance faster
✅ No legal costs to remortgage

AND

✅✅✅ £500 cashback on completion to spend on whatever they want, provided to them by their new lender

So what do you guys think… was it worth it?

YOUR HOME MAY BE REPOSSESSED IF YOU DONT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The information in this post is a real example of a recent transaction for a long standing client of ours

19/11/2025

150 5 STAR GOOGLE REVIEWS 🤩

Extremely proud to share that Plura now has surpassed 150 5 star reviews after just over 2 years trading ⭐️⭐️⭐️⭐️⭐️

Your feedback means the world to us, and the fact that so many of you have been willing to take the time to share your experience working with us online, makes us feel really proud, and extremely grateful!

Here’s to the next 150 😁🙌🏻🚀

07/11/2025

I’M A FIRST TIME BUYER, BUT MY PARTNER ISN’T… CAN I STILL USE MY LISA OR HELP TO BUY ISA? 🫣🤔

The answer is… YES! 🥳

Just because your partner isn’t a first time buyer, YOU still retain your first time buyer status as an individual & therefore can access your Lifetime ISA or Help to Buy ISA funds to buy your first home… including the FULL government bonus (depending on how much you’ve contributed) even if you buy it with someone who’s owned a home before! 😁🙌🏻

This applies even if your partner is selling a home and putting down some deposit on top of your contribution!

The kicker? You won’t benefit from first time buyer stamp duty relief when you buy together 🥹

This is because when you buy a property as Joint Tenants, both owners own the whole property equally… so because your partner has owned a home before, you’ll lose the stamp duty relief, so these costs need to be factored in! 💰

A KEY NOTE HERE: if you buy the home solely in your name, and your partner is NOT going on the house deeds, or the mortgage, you should then benefit from first time buyer stamp duty relief, and SOME mortgage lenders may still allow your partner to both contribute to the deposit AND live in the property with you, subject to criteria and signing an occupiers consent form.

In this circumstance though, your partner would not have any legal ownership of the property which presents a big risk for them, and you wouldn’t be able to use their income to support affordability, so serious considerations & discussions need to take place surrounding this with suitably qualified professionals 💭🧐

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

30/10/2025

LIFETIME ISA: WHAT IS IT, AND WHY SHOULD YOU OPEN ONE⁉️🧐

Also known as a “LISA”, a Lifetime ISA is an incredible tool to accelerate your savings for your first home!

The largest barrier to home ownership here in the UK for First time Buyers is saving that elusive deposit 😩

But here’s a tool that might help you! 💡

To make home ownership more accessible to First Time Buyers, the government started the Lifetime ISA in April 2017, to encourage saving & to make a free contribution to help you along the way! 🤯😱

That’s right… free government contributions of up to £1,000 per tax year, if you do your bit & save.

SO WHY DOESN’T everyone know about this Dec??? 🫣

A great question… but if I was the government and I was giving away free money, I’m not sure I’d be shouting about it either 😂

So even if now isn’t the right time for you to buy… opening a LISA and getting started NOW will only serve to help you in a huge way when you do decide to take the leap & start your property search.

Plan for the future, and maximise how much the government will contribute to YOUR first home deposit 💰

Eligibility criteria applies and full information can be found on the Gov.uk website

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Address

Greave House Terrace
Huddersfield
HD80GB

Telephone

+441924965900

Website

http://plurafs.co.uk/, https://www.justgiving.com/page/decm--2?newPage=true

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