PMR Financial Solutions Ltd

PMR Financial Solutions Ltd Mortgage & Protection Advisors offering a professional, honest and reliable service.

Offering mortgage and protection products from a comprehensive range of providers from across the market we can help with first time buyer mortgages, home movers, remortgages, buy to let as well as life and critical illness cover, income protection insurance, ASU insurance and buildings and contents insurance. Having worked as a mortgage and protection advisor since 2007, our director Paul Reayner

has seen a huge amount of changes to the financial services industry. This puts him in an excellent position to be able to offer all of our clients the expertise and guidance to ensure their transaction, whether it is a mortgage, protection or insurance policy, proceeds as smoothly as possible. We provide a professional, honest and reliable service yet still ensure our advice is clear and precise at all times.

Most homeowners never check this..They think the only way to save money on their mortgage is finding a lower rate.📉 But ...
23/04/2026

Most homeowners never check this..

They think the only way to save money on their mortgage is finding a lower rate.

📉 But small regular overpayments can reduce interest dramatically over time.

Always check what your mortgage allows before making extra payments.

Calculations for this post were based on Nationwide’s overpayment calculator:
https://www.nationwide.co.uk/mortgages/mortgage-calculators/overpayment-calculator/

🤔 Want to know if you could save thousands on your mortgage?
Send me a DM!

🔑 If you’re thinking about applying for a Mortgage, this is what lenders will ask for. Every single time.Proof of income...
15/04/2026

🔑 If you’re thinking about applying for a Mortgage, this is what lenders will ask for. Every single time.

Proof of income
Bank statements
Deposit evidence
Credit history
ID

💰Getting approved isn’t just about having a deposit. The difference between a smooth approval and weeks of back-and-forth is preparation.

Depending on your situation, lenders may ask for additional documents too, especially if you’re self-employed, have gifted deposits, or complex income.

Need advice on exactly what to prepare for your mortgage? Send me a message.



Santander have launched a 98% mortgage for first-time buyers.This isn’t for everyone.But for the right buyer, it’s a gen...
24/02/2026

Santander have launched a 98% mortgage for first-time buyers.

This isn’t for everyone.
But for the right buyer, it’s a genuine option worth looking at, and for some first-time buyers, it could open a door that’s felt closed for a while.

Here’s who it’s aimed at:
👉 First-time buyers only�👉 Minimum £10,000 deposit�👉 Borrowing between £190,001 – £500,000�👉 Up to 98% LTV�👉 Maximum 40-year term�👉 Max 4.45x income

And now the limits:
❌ No flats�❌ No new builds�❌ No shared ownership�❌ No self-employed applicants�❌ No Northern Ireland properties�❌ Joint applications must both be first-time buyers

So no, this isn’t a “buy anything with 2% down” headline.
But for the right first-time buyer who’s been stuck renting while saving, it’s a serious option worth looking at properly.

If you want to know:�*whether you’d qualify�*what repayments actually look like�*or if waiting is still the smarter move
Then drop me a message.

🏡 If buying a home is on your mind and you’re serious about making it happen, speak to a Mortgage Advisor today and star...
12/02/2026

🏡 If buying a home is on your mind and you’re serious about making it happen, speak to a Mortgage Advisor today and start with a plan that actually works.

I offer a no obligation FREE initial chat. Get in touch using the details below:
📬 DM
🔗 Link in bio
📩 [email protected]
📲 0794-9537024

*
*
*

Here are 3 things you can do now to get on the property ladder faster 👇1. Speak to a Mortgage Advisor.�I don’t just comp...
30/01/2026

Here are 3 things you can do now to get on the property ladder faster 👇

1. Speak to a Mortgage Advisor.�I don’t just compare rates, I can help you make a plan to save for your deposit and work within your budget so you’re mortgage-ready when the right property comes along. I also help you structure your application properly, especially if you’re self-employed, have variable income, or a small deposit.

2. Be mindful of your bank account conduct now, not later. Lenders look at spending habits and whether direct debits are paid on time. A few months of prep can make the difference between a yes, a no, or a better deal. I can help you with better habits.

3. Get a Mortgage Decision in Principle early.�It tells you what you can realistically afford before you fall in love with a house and puts you in a stronger position with agents.

If you want to get on the property ladder faster, start preparing now. I can help you make a plan, get in touch:
📬 DM
🔗 Link in bio
📩 [email protected]
📲 0794-9537024

*�*�*

Homeownership doesn’t have to be “someday”.�It could be in 2026.For a lot of people, owning a home feels like a future v...
21/01/2026

Homeownership doesn’t have to be “someday”.�It could be in 2026.

For a lot of people, owning a home feels like a future version of life, not something they can start planning now.

But most first-time buyers I work with didn’t suddenly earn more or wait for the “perfect time”.
�They planned early, understood their options, and got clear on what was actually possible for them.

Your 2026 era could look like:
🏡 a place to call your own
🍰 a kitchen to bake in
☕ cosy coffees on the sofa
🐶 a garden for the dog

The first step isn’t house hunting, it’s understanding your borrowing power and mortgage options.

If buying a property in the UK is on your 2026 vision board, this is your sign to start now.

Send me a DM me and I’ll help you understand your options.

A client recently said to me “I just want the lowest interest rate you can find!” This is a common starting point, but t...
15/01/2026

A client recently said to me “I just want the lowest interest rate you can find!”

This is a common starting point, but there’s more to a good Mortgage than just the rate.

Let me explain:
Shopping for a Mortgage based on rate alone is like looking at flight prices based only on the ticket cost and ignoring taxes, baggage fees and cancellation or change penalties.

💷 The true cost of your Mortgage includes:

The product fee
A low rate may come with a high fee. A slightly higher rate with a £0 fee could be cheaper over 2-5 years.

What happens if life changes 🔄
Many fixed rate Mortgages come with penalties if you need to end the deal early. This is called an Early Repayment Charge (ERC).

Want to pay off your Mortgage faster?
A product might restrict you to 10% in overpayments a year. Another deal may allow 20%.

Flexibility of the deal
How easy it is to move, borrow more, or change your Mortgage later can matter just as much as the headline rate.

🏡That’s why the lowest rate isn’t always the best rate. The right Mortgage is one that fits both your budget and your future plans.

If you want help choosing a mortgage that fits your plans, not just today’s rate, speak to me, a dedicated Mortgage Advisor, to make sure the product works for you.
📬 DM
🔗 Link in bio
📩 [email protected]
📲 0794-9537024

Thank you to all of our wonderful clients for keeping us busy in 2025 ♥️ Wishing you all a very Merry Christmas & a Happ...
23/12/2025

Thank you to all of our wonderful clients for keeping us busy in 2025 ♥️

Wishing you all a very Merry Christmas & a Happy New Year🎄🎅🎊

15/12/2025

📄The readiness isn’t about luck or having your deposit saved, it’s about one document; your Mortgage Decision in Principle or Agreement in Principle (DIP/AIP)

It’s about being able to prove that you’re serious immediately. It tells estate agents and sellers “I’m not just looking, I can buy.”

Your DIP/AIP isn’t the final Mortgage decision but it’s your financial green light to apply. Having this ready means you
✅ get viewings faster
✅ can make an offer with confidence
✅ can move quickly to secure your dream home

Don’t let the one you’ve been waiting for get away. Contact me today to make sure you’re ready:
📬 DM
🔗 Link in bio
📩 [email protected]
📲 0794-9537024

*
*
*


25/11/2025

Do you want to move home but you have a great Mortgage rate you want to keep? Well it could be possible! ☺️

This process is called Porting. By porting your Mortgage you could benefit from a lower rate and may also avoid paying a penalty.

The first step is to contact a Mortgage Advisor. I can look at your circumstances, your current mortgage and any new products. As your advisor, I will review all available options and crunch the numbers to see which is the best option for you!

Contact me now to get started:
📬 DM
🔗 Link in bio
📩 [email protected]
📲 0794-9537024

*
*
*

newhome buyingandselling homemovers mortgagespecialist dreamhome

Address

268 Eastwood Road North
Leigh-on-Sea
SS94LS

Opening Hours

Monday 9am - 10pm
Tuesday 9am - 10pm
Wednesday 9am - 10pm
Thursday 9am - 10pm
Friday 9am - 10pm
Saturday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when PMR Financial Solutions Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to PMR Financial Solutions Ltd:

Shortcuts

Share

Category