Ann Walkden- Cheshire Mortgage Group

Ann Walkden- Cheshire Mortgage Group CeMAP-qualified Mortgage & Protection Advisor with 10 years’ mortgage and 4 years’ estate agency experience. Based In Leigh and Cheshire.

Providing clear, tailored advice to help you secure the right mortgage—no jargon, just support you can trust.

Before you start seriously viewing properties, you'll want a mortgage in principle. But what does it really do for you?A...
18/06/2026

Before you start seriously viewing properties, you'll want a mortgage in principle. But what does it really do for you?

A mortgage in principle (also called a decision in principle or agreement in principle) is a written estimate from a lender confirming how much they'd be willing to lend you, based on a basic check of your finances.

It doesn't commit you to anything. It doesn't guarantee a full mortgage offer.

But estate agents take you more seriously, and you know your budget before you fall in love with a house you can't afford.

We can get yours sorted quickly.

☎️ 07578 674123
📧 [email protected]

18/06/2026

🏦📊 The Bank of England has held the base rate at 3.75%.

While the decision to keep rates unchanged was widely expected, we’re continuing to see many lenders reduce their mortgage rates, which is positive news for anyone looking to buy a new home, move house, or remortgage. 🏡🔑

Lower mortgage rates can mean improved affordability and more options for borrowers, helping to boost confidence in the housing market. 📉💷

If you’re coming to the end of a fixed rate, or are thinking about purchasing a property, now could be a great time to review your options and see what’s available. ✅

📞 Feel free to get in touch if you’d like to discuss your mortgage options.

🏠📈💷

Something we hear a lot from first time buyers is that they don't even know where to start, and are worried about asking...
17/06/2026

Something we hear a lot from first time buyers is that they don't even know where to start, and are worried about asking stupid questions.

But there really are no stupid questions.

We've helped people at every stage, from those who have no idea how a mortgage works, to those who just need help with the final details. We work with no judgement and no jargon.

If the process has been putting you off, that's exactly the problem we're here to solve.

☎️ 07578 674123
📧 [email protected]

16/06/2026

Tuesday Savings Story 🏡

I reviewed a client’s mortgage as their lender had reduced rates since they last secured their deal.

After checking the available options, we were able to reduce their interest rate from 5.34% to 4.89%, creating a saving of £102.64 per month.

The client now has two choices:

💷 Reduce their monthly payments and enjoy a saving of £102.64 each month.

⏳ Keep their payments at the current level, and reduce their mortgage term by 4 years.

This is a great example of why regular mortgage reviews are so important. A simple rate check can either improve monthly cash flow or help you become mortgage-free sooner.

Is your mortgage costing you more than it should be?If you're on your lender's standard variable rate and watching your ...
16/06/2026

Is your mortgage costing you more than it should be?

If you're on your lender's standard variable rate and watching your monthly payments eat into everything else, a remortgage review might give you some breathing room.

It's not always possible to reduce payments, but it's always worth finding out. And we'll give you a straight answer either way.

☎️ 07578 674123
📧 [email protected]

We can search thousands of mortgages from over 90 UK lenders.🏡 First Time Buyer🏡 Remortgage🏡 Moving home🏡 Buy to LetCont...
15/06/2026

We can search thousands of mortgages from over 90 UK lenders.

🏡 First Time Buyer
🏡 Remortgage
🏡 Moving home
🏡 Buy to Let

Contact us to see how we can help get you the right mortgage deal.

☎️ 07578 674123
📧 [email protected]

How much can I actually borrow for a mortgage?It's one of the first questions everyone asks. But the answer is… it depen...
14/06/2026

How much can I actually borrow for a mortgage?

It's one of the first questions everyone asks. But the answer is… it depends.

Most lenders will offer around 4 to 4.5 times your annual income. So if you earn £30,000, you might be looking at borrowing £120,000 to £135,000.

But lenders also look at your outgoings, credit history, the size of your deposit, and more

The only way to get a real answer for your situation is to speak to a broker.

☎️ 07578 674123
📧 [email protected]

If we've helped you with your mortgage, we'd love to hear about it.Honest reviews mean everything to a small business. T...
13/06/2026

If we've helped you with your mortgage, we'd love to hear about it.

Honest reviews mean everything to a small business. They help other people in exactly the same position as you were, find the right advice at the right time.

It takes two minutes, and it makes a huge difference.

Friday is when most mortgages complete, which means keys are changing hands all over right now.Congratulations to everyo...
12/06/2026

Friday is when most mortgages complete, which means keys are changing hands all over right now.

Congratulations to everyone getting theirs today!

If your mortgage journey is just beginning, we're here whenever you're ready.

☎️ 07578 674123
📧 [email protected]

You might have seen the term LTV (loan to value) and wondered what it actually means.It's simply the percentage of the p...
11/06/2026

You might have seen the term LTV (loan to value) and wondered what it actually means.

It's simply the percentage of the property value you're borrowing. So if you're buying a £200,000 home with a £20,000 deposit, you're borrowing 90%, and your LTV is 90%.

Why does it matter? Because the lower your LTV, the better mortgage rates you can access. Lenders see a bigger deposit as lower risk, so they reward it with better deals.

It's one of the reasons saving a little more before you buy can make a real difference to your monthly payments.

If you’re looking for advice on your mortgage, get in touch!

☎️ 07578 674123
📧 [email protected]

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Leigh

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm
Saturday 10am - 1pm

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