Amey Sinfield- Mortgage & Protection Adviser

Call Directions Contact the business

Amey Sinfield- Mortgage & Protection Adviser I am dedicated to ensuring I provide friendly & professional mortgage advice from our comprehensive range of lenders. Please get in touch

Office, home visits or telephone, my advice is personal to suit your individual needs & objectives. Goodwin Financial Services Ltd
Waterdene House, Water Lane, Leighton Buzzard, Bedfordshire, LU7 1AW

Registered in England & Wales (company registration number: 02736850)

Goodwin Financial Services Ltd is authorised and regulated by the Financial Conduct Authority (‘FCA’) under registration number 953471 .

09/10/2026

❗Credit Score & Credit Reports❗

Lenders use a variety of credit agencies — the most common are Equifax, Experian and TransUnion.

• Active accounts: stay on your file indefinitely while open. • Closed accounts: remain for 6 years from the closure date.

All lenders vary in their minimum credit score requirements. Some don't use a score at all and credit search instead, meaning they go off your actual report information rather than the score.

Lenders' criteria also vary with LTV — at higher loan-to-value some apply stricter overall credit criteria.

Just because you have no adverse credit (missed payments, CCJs, defaults etc.) doesn't always mean you'll pass the lender's requirements.

I'm not a credit expert, but I always recommend that if you're looking to purchase a property — or even remortgage — you access your full credit report a few months beforehand, so you can see what the lenders will see.

Your score can be impacted by many things, these are some examples for your information: • Payment history • How much of your credit limit you're using • The number of credit accounts you have • Opening or enquiring about new credit (including Klarna and pay-monthly accounts) • Opening new bank accounts • Your credit mix • Taking cash out on credit cards • Opening numerous new accounts in a short period

Please reach out, 🙋 I am here for you!

📞 07525 371 226 💻 [email protected]

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

05/10/2026

Is Buy Now, Pay Later affecting your mortgage chances? 💭

Klarna • Buy Now, Pay Later • PayPal

If you use these, this one's worth two minutes of your time.
Always check the terms & conditions of using these payment types.
Most of these are a soft search — which only you and the credit reference agency can see. But some products, like Klarna Financing or PayPal Credit, carry a hard search, and those stay visible to lenders for 12–24 months.

Active accounts stay on your file indefinitely while open. Closed accounts remain for 6 years from the closure date. (This applies to credit accounts — shorter pay-in-3 or pay-in-4 plans may be reported differently.)

Here's the bit most people don't realise. BNPL (buy now pay later) providers now share what you borrow with the credit reference agencies, so these agreements show up on your credit file. Use them often and you're building a picture of frequent, small, short-term commitments. That can work against you — not necessarily because of your score, but because of how a lender reads your file.
From experience, I've seen lenders' internal credit scorecards not be met because of this. And regardless of score, some lenders place these under the "deferred credit" category, which isn't always viewed favourably.

BNPL is now regulated by the FCA too — providers have had to carry out affordability checks since July 2026. That's the same question a mortgage lender is asking: can this person comfortably take on more?

None of this means you can't get a mortgage if you've used or still use these payments. This is simply to make you aware of the potential implications for your credit file and mortgage application.
Lender criteria and scorecard eligibility requirements can change at any time. This is for information purposes only and is not advice to stop using them — it's based on experience across a variety of lenders, including high-street banks.

Please reach out, 🙋 I am here for you!
📞 07525 371 226 💻 [email protected]

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

Are you looking to do some home improvements?Capital Raising, Further borrowing, Additional borrowing, Further Advance, ...
19/05/2026

Are you looking to do some home improvements?

Capital Raising, Further borrowing, Additional borrowing, Further Advance, Taking equity out out of your home, Release some equity, Borrow more.

All of these are worded differently however, depending on when you ask for funds and what the lender calls it, or you call it, in theory means the same thing.

You can look to borrow additional funds for many reasons, home improvements being one of them. Depending on when you wish to look at the borrowing.

Please reach out, 🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

It is no secret mortgages have been very unpredictable and volatile the last few years. This can make things extremely c...
12/05/2026

It is no secret mortgages have been very unpredictable and volatile the last few years. This can make things extremely challenging for us as advisers with forever changing rates, criteria and affordability.

However, we always promise to ensure we do the best we can every time for our clients, taking as much of the stress out of your experience where possible, whatever the market is like, being open, honest and here for you every time.

🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

06/05/2026

If you ever need to chat through an idea you might have, you can reach out to me any time to schedule in a call or appointment.

Most people wait until their product is due for renewal, however, sometimes life changes and therefore if you wish to chat through something, please always reach out.

🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

Do you know there are different types of mortgages and products which could suit you better as things change throughout ...
30/04/2026

Do you know there are different types of mortgages and products which could suit you better as things change throughout our lives.

Offset💡
Interest Only💡
Part & Part💡
Discounted💡
Variable💡
Tracker💡
Fixed💡

If you would like to review your current mortgage and explore more options,

Please don't hesitate to get in touch 🙋‍♀️🏘📞
🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

28/04/2026

😲Do you feel anxious about speaking to a Mortgage Adviser?😲

We appreciate every person is unique , everyone's situation differs and therefore we always offer our clients to bring someone they feel comfortable with on to our call, zoom or face to face meeting if they wish to do so.

I always want my clients to feel at ease, listened to and understand everything fully and comfortable in asking me any questions or to go through things numerous times.

I am friendly, understanding and never judgmental of anyone's situation.

Please don't hesitate to get in touch 🙋‍♀️🏘📞
🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

🏡Are you thinking of moving? 🏡We always recommend you go through your current circumstances and affordability with an ad...
25/04/2026

🏡Are you thinking of moving? 🏡

We always recommend you go through your current circumstances and affordability with an adviser, this way you know you are looking at the right purchase prices to suit your budget. 🙌

Please don't hesitate to get in touch 🙋‍♀️🏘📞
🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

⭐️🫶Why it's all worth it⭐️🫶Forever grateful to my clients, existing and new for trusting me with their needs.Please don'...
20/04/2026

⭐️🫶Why it's all worth it⭐️🫶

Forever grateful to my clients, existing and new for trusting me with their needs.

Please don't hesitate to get in touch 🙋‍♀️🏘📞
🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

11/02/2026

🗓️ Is your product expiring in the next 4-6 months?

Please get in touch with your Mortgage Adviser if you have one already, alternatively please reach out I am happy to help.

Discussing your needs and objectives early means you could secure a rate now and if they rise you won’t be affected. Sorting things early means you have time to check the rates that can become lower in this period before your completion.

Please don't hesitate to get in touch 🙋‍♀️🏘📞
🙋 I am here for you!

📞07525371226
💻[email protected]
"YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.”

Address

Waterdene House
Leighton Buzzard
LU71AW

Telephone

+447525371226

Website

Alerts

Be the first to know and let us send you an email when Amey Sinfield- Mortgage & Protection Adviser 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 Amey Sinfield- Mortgage & Protection Adviser:

Shortcuts

Share

Category