Venture Mortgages & Protection

Venture Mortgages & Protection Mortgage and protection specialists.

At Venture Mortgages & Protection we specialise in mortgage and protection advice that’s personal, clear, and always in your best interest. Whether you're a first-time buyer, remortgaging, moving home, or looking to protect what matters most – we're here to guide you through it all. With access to a wide range of lenders and insurers, we do the legwork to find the right solution for your needs, so

you can focus on what really matters: enjoying life and planning for the future. We’re passionate about making the journey simple and stress-free, and we treat every client like family – with honesty, integrity, and a genuine desire to help you succeed. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE

AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY

23/04/2026

Great day at the Building Society Show at the Coventry Building Society Arena.

We met loads of lenders with genuinely flexible and quirky criteria – the kind that make a real difference for clients who don’t fit the “standard” box.

More knowledge = more solutions = more keys in hands 🔑

28/03/2026

3 mortgage myths that could be costing you THOUSANDS

1️⃣ “The lowest rate is the cheapest”
Not always… fees matter.

2️⃣ “Just stay with your current lender”
Loyalty doesn’t always pay

3️⃣ “I’ll wait until I’m ready”
You might already be… and overpaying rent in the meantime

Don’t let these myths keep you stuck or out of pocket.

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

Happy International Women’s Day ❤️Here’s to strong women — may we know them, may we be them, may we support them.
08/03/2026

Happy International Women’s Day ❤️
Here’s to strong women — may we know them, may we be them, may we support them.

06/03/2026

Buying a home with just a 2% deposit?

For many people, saving a big deposit is the biggest hurdle when it comes to buying their first home.

Yes there are currently already lenders offering 0% deposit mortgages but interest rates are higher. But there are now options available where you may only need 2% of the property price, with a minimum £10,000 deposit, and a rate of 4.99% on a 5 year fixed rate.

That could mean getting onto the property ladder sooner than you thought possible.
Of course, like any mortgage, there are criteria and it won’t be suitable for everyone — but it’s another option worth knowing about if you thought homeownership was still years away.

Sometimes the biggest barrier isn’t affordability… it’s the deposit.

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

01/03/2026

That “lowest rate” mortgage?

It’s not always the cheapest deal.

Some of the lowest rates on the market come with arrangement fees of £999… £1,499… sometimes even more.

Meanwhile, a slightly higher rate with no arrangement fee can actually work out cheaper overall.

It’s not about chasing the headline rate — it’s about looking at the true cost over the deal period.

The detail matters.

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25/02/2026

We had a Great day at the Stonebridge Network Conference at Celtic Manor resort.
Brilliant to catch up with so many lenders and the wider Stonebridge team – loads of insight, great conversations, and even better connections.
Finished the day with a lovely dinner and awards evening. One for the diary ✔️

14/02/2026

Some relationships are meant to end… especially the one with your landlord 😬

2026 could be your fresh start into your own home.

And yes – despite what you might’ve heard, there are mortgage options out there for people with little to no deposit (depending on circumstances and eligibility).
Sometimes it’s not about waiting longer… it’s about knowing what options actually exist.

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

08/02/2026

Is saving tax costing you your mortgage?

If you’re a self-employed Limited company director, keeping your salary low to be tax-efficient can make some lenders think you “can’t afford” a mortgage HOWEVER Not all lenders assess income the same way.
Some will use your retained profits, not just what you draw from the business.

Don’t get declined or get offered a lower mortgsge amount just because you picked the wrong lender.

29/01/2026

Gifted deposits can vary from lender to lender-
Some lenders only accept gifts from immediate family, while others may allow extended family — or even friends.

When using a gifted deposit, each gifter will usually need to provide:
✔️ Photo ID
✔️ Proof of funds
✔️ Bank statements (typically 3 months, but some lenders/solicitors may ask for 6)

It’s also worth knowing that solicitors carry out ID, bankruptcy, and source-of-funds checks on every gifter — and they’ll often charge a fee for each one.

Tip: fewer gifters = fewer checks = fewer solicitor fees.
Get advice early so your deposit doesn’t slow your purchase down.

22/01/2026

Common things lenders factor into affordability

Student loans
Personal loans
Credit cards (even if yo
u clear them monthly with some lenders)
Car finance / P*P / HP
Overdrafts
Buy Now Pay Later (Klarna, Clearpay, etc.)

Property & housing-related costs:
Shared ownership rent
Shared ownership service charges
Ground rent
Service charges (flats & leasehold homes)
Second property mortgages
Help to Buy / equity loan repayments (where applicable)
Existing mortgage commitments (even if someone else “pays it”)

Family & dependents:
Child dependents
Child maintenance payments
Childcare / nursery fees
School fees

Income:
Overtime / bonuses/ commission / benefit income (may not be fully accepted, lenders take different percentages into consideration)

Address

38 Regent Road
Leicester
LE16YJ

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm

Telephone

+441163654123

Website

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