Gail Nobbs Mortgage Broker

Gail Nobbs Mortgage Broker I am a whole of market mortgage broker with over 30 years experience in financial services.

🚨 HUGE news for first-time buyers & renters 🚨Halifax is shaking up the mortgage market with a game-changing new deal fro...
14/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:

Up to 98% LTV (just ÂŁ5k minimum deposit)

Available on homes up to ÂŁ300,000

5-year fixed rate with NO product fees

Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.

We have access to this deal, so drop us a message! 👇



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Call me on 07748 610000

Think bad credit means no mortgage? Not necessarily.There are actually lots of lenders who will consider applicants with...
07/05/2026

Think bad credit means no mortgage? Not necessarily.

There are actually lots of lenders who will consider applicants with credit blips, it’s just about knowing where to look and how to present your case.

One lender I’m highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):

✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don’t always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV

This is exactly why speaking to a broker makes a difference, criteria like this isn’t always obvious if you’re going direct.

If you’ve been declined before, or you’re unsure where you stand, it’s worth having a conversation.

📩 Drop me a message, and I’ll give you a clear, honest view of what’s possible.

Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Is your fixed rate up for renewal in 6 months or less?We’re seeing more lenders change their product transfer windows, m...
02/04/2026

Is your fixed rate up for renewal in 6 months or less?

We’re seeing more lenders change their product transfer windows, meaning you may be able to secure your next rate earlier than you think.

Your lender will usually write to you when you’re approaching the end of your deal - that’s your cue to get in touch with your broker, as that’s where we come in 👇

As your broker, we’ll review all of your options well in advance and get in touch at the right time to help you lock in a suitable rate.

📊 And it doesn’t stop there…

We’ll keep monitoring the market for you, so if better rates come along, we’ll let you know - saving you the time, stress, and constant checking.

đź’ˇ Less hassle. Smarter timing. Better outcomes.

If your deal is ending in the next 4-6 months, now’s the time to start the conversation.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

I went to our annual network event on Thursday. Lovely to catch up with colleagues and lenders and obviously pick up the...
15/03/2026

I went to our annual network event on Thursday. Lovely to catch up with colleagues and lenders and obviously pick up the freebies. My kids love it when I go to these things. It’s good to keep ahead of new product releases with lenders so I can point them in the right direction with some brilliantly dynamic schemes to help first time buyers.

I love my job, I hope it shows.So lovely to receive a gift.
19/02/2026

I love my job, I hope it shows.
So lovely to receive a gift.

A lovely review.
12/02/2026

A lovely review.

A review I’ll treasure.
11/01/2026

A review I’ll treasure.

It’s always nice to be recognised for your job. Being a mortgage broker can be lonely so receiving these today really br...
15/12/2025

It’s always nice to be recognised for your job. Being a mortgage broker can be lonely so receiving these today really brightened my day.
It’s my job to make your move as smooth as possible and to do that I am invested in you as people.

Humanising a mortgage broker.Every Saturday as normal I’m here cheering my 10 year old on at football.Yes I have a famil...
29/11/2025

Humanising a mortgage broker.
Every Saturday as normal I’m here cheering my 10 year old on at football.
Yes I have a family and yes I work hard, sometimes it’s hard to get that balance.
Once instructed as your broker you are like family to me.
I strive to get the best deal for your circumstances and see every element of the process through to the end.
I don’t work 9-5 because my clients don’t.
Got any mortgage questions call me on 07748 610000 and have a broker who is invested whole heartedly in the best outcome.

A lovely memory to come up.
22/11/2025

A lovely memory to come up.

Address

Bowfell Barn
Kendal
LA80HZ

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