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PMR Financial Solutions Ltd

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United Kingdom
Leigh-on-Sea
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.

27/10/2026

Things we’re ghosting this October 👻

🧮 Online mortgage calculators
They’re handy for a rough idea, but they don’t take your full circumstances into account. What a lender might actually offer you could be quite different.

🏡 Rightmove, before knowing your budget.
We’ve all been guilty of a little scrolling, but before you fall in love with a house, find out what you can realistically afford. Get your Decision in Principle sorted first!

🧍‍♂️Mortgage advice from someone who bought their house in 1998.
We know they mean well, but the mortgage market has changed quite a bit since they bought their first home. What worked for them might not work for you.

🔄 Accepting your current lender’s renewal offer without comparing your options.
Staying with your current lender might be the best option, but you won’t know until you’ve looked at what else is available. A mortgage advisor can compare both routes and advise you on what makes the most sense for your circumstances.

👩🏼‍💼 I’m Paisley, a Mortgage and Protection Specialist. If anything on this list sounds a little familiar, send me a message and I can get you on the right track.

25/09/2026

Forever grateful to have such awesome clients 🥰

Being a part of people’s lives throughout the years and watching lovely things happen is an honour!

A huge congratulations to Katie & Alfie on your new home - can’t wait to see what you do with the renovation 🏡👷‍♂️

Thank you so much for your very generous gift and kind words - I really appreciate it ♥️

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!

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.

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.

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

*
*
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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

*�*�*

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.

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

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🎄🎅🎊

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

http://www.pmr-fs.co.uk/

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