Ewen Queen Just Mortgages

31/10/2026

Happy Halloween from all of us at Just Mortgages! 🎃👻

Wishing you a spooktacular evening filled with treats! 🍬

29/10/2026

A headline mortgage rate may catch your attention, but there is more to consider before choosing a deal.

Arrangement fees, cashback and fee-free options can affect the overall cost, while deal length and early repayment charges may influence how well it fits your plans. 🧾📅

Taking a closer look at these details could help you choose a mortgage that better matches your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



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

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

29/10/2026

The Budget often comes with lots of headlines, opinions and speculation.

We've pulled together some of the key announcements from today's Autumn Budget to help you stay informed.

If you're unsure how any of these changes could affect your plans, we're here to help.



Approved by The Openwork Partnership on 28.10.2026
Just Mortgages is a trading name of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Could the Budget bring breathing space for families and fresh hope for first-time buyers?

John Phillips shares his reaction to the announcements and explains why mortgage advice matters when planning your next step.

Read John’s blog: https://tinyurl.com/yktt33wz

27/10/2026

The lowest mortgage rate does not always mean the lowest overall cost.

Fees, incentives, deal length and early repayment charges can all affect how mortgage options compare. 🔍🧾

Looking at the mortgage as a whole could help you make a more informed decision and find an option that suits your needs.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



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

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

26/10/2026

What could the upcoming Budget mean for your finances?

John Phillips, CEO of Just Mortgages, shares what he hopes, and expects to see, from support for household budgets to greater financial confidence for mortgage borrowers.

Read John’s pre-Budget blog: https://tinyurl.com/5x59h9tm

23/10/2026

When your current mortgage deal ends, you could move onto your lender’s follow-on rate.

This may change the amount you pay each month, so it helps to understand what happens next before your deal expires. 🏡📋

Reviewing your mortgage early gives you time to compare what your existing lender offers with other available deals and explore what could suit your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



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

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

21/10/2026

You may be able to review your mortgage options several months before your current deal ends.

Starting early gives you more time to compare deals, prepare your documents and check whether any early repayment charges apply. 🏡📅

Understanding your options in advance could help you plan your next steps around your circumstances and future plans.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



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

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

15/10/2026

Your credit score is only one part of your mortgage application.

Lenders may also consider your income, deposit, existing debts, regular spending and overall affordability when assessing your circumstances. 🏡📊

Looking beyond the headline number could help you understand your position. A mortgage adviser can explain how these factors may affect your options.

Read our blog to find out more about credit checks and preparing for a mortgage: https://tinyurl.com/mr33bzc6



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

13/10/2026

A lower credit score does not automatically mean a mortgage is out of reach.

If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡

Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.

Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/mr33bzc6



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

13/08/2026

🏡 FOR SALE — and yes, it’s actually mine! 😂

I spend my days helping people get mortgages… so naturally, I thought I’d make things interesting by putting my own house on the market.

Because apparently, being a local Mortgage Advisor wasn’t stressful enough. I fancied adding viewings, valuations, packing boxes and wondering “Why did I agree to this?” to the mix. 🤦‍♂️😂

It’s a cracking property and I’d love to find it a new owner.

31/07/2026

💜 A little favour.. 💜

We have a sad girl this morning and we are trying our hardest to change it.

We are in the running to earn a completely free family holiday but this month we are short and we only need help from 2 more homeowners by midnight to get there! 🙏✨ Otherwise I will have one gutted Lily. 😢

If you've been thinking about reviewing your household bills, we would be so grateful if you'd let us see whether we can help. 🏡

We can help with:
Broadband
SIM deals
Energy
Boiler cover

There's no obligation at all, just the opportunity to save money every month 💷 and receive a welcome bonus if you decide to switch. 🎉

If you're a homeowner and would like to see how much you could save, comment "ME" below 👇 or send me a private message 📩 and we will get in touch.

Even if it's not for you, sharing this post 🔄 or tagging a homeowner 🏡 who'd love to save money would honestly mean the world to me. 💜

Thank you so much to everyone who's supported me on this journey. Every like 👍, comment 💬, share 🔄 and recommendation truly makes a difference. We really appreciate it 💜✨

30/06/2026

Took the morning off to see golf played properly at the magnificent Dundonald Links in Irvine. I wasn't too keen on the 7.50am start time for the group I was following😴😴

09/06/2026

28/05/2026

I have only gone and won this award for the 3rd time in 4 years, surely I get to keep it now 🤣

Thanks again for all the support over the last 12 months ❤️

22/04/2026

Finally managed to sneak away for a few days 🌊🚐

Didn’t get the chance to switch off during the Easter holidays, so this little coastal escape feels extra needed.

08/04/2026

Wow 😮 what an outstanding property 😍😍

05/04/2026

Thanks so much for the shoutout, really appreciate it! 🙌

It’s been great working alongside you and helping more first-time buyers get everything in place for their new homes.

Hope everyone has a great Easter weekend! 😊

Lately we've been helping a lot of 1st time buyers set up their essential utilities for their new home and one thing that they keep saying they like about what we can offer is the fact it's all under one banner.

One company
One monthly payment
One app to login
One customer service, plus us....

So if you're a first time buyer or just moving home let's have a chat to see how we can help make your move smoother.

Happy to help whenever we can.

Happy Easter weekend everyone.... we're still available to chat. 😀💜

Also shout out to Ewen Queen Just Mortgages for all the referrals lately. It's good to have you as a connector. Any mortgage advice required then we highly recommend you speak to Ewen.

28/03/2026

Tonight's room with a view in sunny sleety hail stoney windy cold Ayrshire 🤣 wouldn't have it any other way.