TouchPoint Mortgages

TouchPoint Mortgages Follow us for updates and tips! We can help with First Time Buyers, Homemovers, Remortgages, Buy to Let and a range of insurances.

Welcome to TouchPoint Mortgages—your trusted local Mortgage Advisor, based in West Sussex 🏠

Drop us a message and say Hi 👋🏻 📲

Whether buying, refinancing, or investing, we make your mortgage journey seamless. At TouchPoint Mortgages Ltd, we specialise in providing tailored mortgage and insurance advice across a wide spectrum of services. Based in Littlehampton, our reach extends to various areas

including Angmering, Arundel, Bognor Regis, Chichester, Durrington, Goring, Pulborough, Rustington and Worthing.

25/05/2026

🚫 “You can’t get a mortgage after 70…”

One of the biggest mortgage myths we hear 👀

The reality is, many lenders are now far more flexible with age than people realise.

In the right circumstances:
🏡 You can absolutely get a mortgage after 50
🏡 Many lenders will lend beyond 70
🏡 Some lenders may even consider lending past 80

Things like your income, pension, affordability, property type, mortgage term, and future plans all play a part.

This is why speaking to a mortgage advisor is so important — because what one lender says no to, another lender may be completely comfortable with ✅

We regularly help clients who assumed their age would stop them getting a mortgage, only to discover there are still plenty of options available.

Every situation is different, which is why personalised advice matters.

📩 If you’re unsure what might be possible, get in touch with TouchPoint Mortgages

23/05/2026

🚨 That awkward moment when the letter arrives… 🚨

“Your 2% fixed rate from 2021 is ending this year.”

Suddenly you’re:
📉 Checking mortgage rates every 12 minutes
🫠 Wondering why you didn’t fix until 2047
💸 Looking at your direct debit like it personally betrayed you

The good news?
Panic-googling at 11pm isn’t your only option 😂

At TouchPoint Mortgages, we help people review their mortgage options properly, explain what’s happening in plain English, and find a solution that works for their circumstances — without the stress.

If your fixed rate is ending soon, now’s the time to start reviewing your options 👀

📩 Drop us a message to chat mortgages.

🏡 7 Mistakes We See First-Time Buyers Make 👀Buying your first home is exciting… but we also see people make the SAME avo...
20/05/2026

🏡 7 Mistakes We See First-Time Buyers Make 👀

Buying your first home is exciting… but we also see people make the SAME avoidable mistakes time and time again 😅

Here are 7 big ones 👇

❌ 1. Waiting for the “perfect” interest rate
Trying to time the market perfectly usually just leads to stress and missed opportunities.

❌ 2. Looking at houses before checking affordability
Falling in love with a property before knowing your budget is a dangerous game 😂

❌ 3. Forgetting about the OTHER costs
Solicitors, surveys, moving costs, broker fees, furniture, service charges… it all adds up quickly.

❌ 4. Thinking the bank is the only option
Your bank only offers THEIR products. A mortgage advisor can search across multiple lenders to find what suits YOU.

❌ 5. Spending money after getting a Mortgage in Principle
Please… don’t finance a new car, buy a hot tub, or take out Klarna for 47 things before completion 🙃

❌ 6. Focusing only on the interest rate
The cheapest rate isn’t always the best deal once fees, flexibility, incentives, and future plans are considered.

❌ 7. Listening to random people on social media
Your friend’s cousin’s barber fixing for 10 years doesn’t mean you should 😭 Your mortgage should be based on YOUR circumstances.

The good news?
Most of these mistakes are avoidable with the right advice from the start 🙌

At TouchPoint Mortgages we guide first-time buyers through the whole process, explain everything in plain English, and help make the experience far less stressful.

📩 Thinking about buying your first home? Get in touch.

🤔 Confused About Fixed Rates? You’re Not Alone.Should you fix for 2 years?3 years?5 years?Or should you avoid fixing alt...
18/05/2026

🤔 Confused About Fixed Rates? You’re Not Alone.

Should you fix for 2 years?
3 years?
5 years?
Or should you avoid fixing altogether and go onto a tracker rate instead? 👀

The truth is… there’s no “one size fits all” answer.

This is where the value of speaking to a good mortgage advisor really comes in 💡

AtTouchPoint Mortgages, we don’t make recommendations based on headlines, media panic, or somebody on social media claiming they know the “best” mortgage option for everyone.

We make recommendations based on YOU.

Your future plans can have a huge impact on what mortgage product is right for you:

🏡 Are you thinking about moving house soon?
👶 Planning on expanding the family?
💼 Considering changing jobs or reducing working hours?
📈 Want payment security and stability?
📉 Comfortable with rates potentially fluctuating?

All of these things matter when deciding:
✔️ Whether to fix your mortgage
✔️ How long to fix for
✔️ Or whether a tracker rate could actually work better

We’re seeing more and more people currently using short-term tracker rates as a temporary solution between moves or during periods where flexibility is important. For the right person, that can be a very sensible option.

The key point?
Your mortgage should be built around YOUR circumstances — not somebody else’s opinion online.

That’s why speaking to a mortgage advisor can make such a big difference 🙌

📩 If you want tailored mortgage advice based on your own plans and situation, get in touch with TouchPoint Mortgages today.

🏢 Thinking About Buying a Flat? Here’s What You NEED To Know 👀Buying a flat can be a fantastic first step onto the prope...
15/05/2026

🏢 Thinking About Buying a Flat? Here’s What You NEED To Know 👀

Buying a flat can be a fantastic first step onto the property ladder… but there are a few extra things you need to understand before making an offer.

Most flats are sold as LEASEHOLD rather than FREEHOLD — but what does that actually mean? 🤔

👉 Freehold means you own the property and the land it sits on outright.

👉 Leasehold means you own the property for a set number of years, but not the land itself. The land/building is usually owned by a freeholder or management company.

When buying a leasehold flat, there are several VERY important things to check:

✅ Years Remaining on the Lease
Many lenders become cautious if the lease gets too short. A low lease term can affect mortgage options and future resale value.

✅ Ground Rent
Does it stay the same? Increase over time? Double every few years? Some lenders dislike aggressive ground rent clauses, which can cause mortgage issues.

✅ Service Charges & Maintenance Fees
These monthly or annual costs help maintain communal areas, lifts, gardens, roofs, and building insurance. They all need factoring into affordability calculations.

✅ Leasehold Restrictions
Some leases include restrictions around pets, renting the property out, renovations, or even parking arrangements.

✅ Affordability Matters
Unlike a standard house purchase, lenders will include service charges and ground rent when assessing what you can borrow.

Buying a leasehold flat can feel more complicated than buying a freehold house — but with the right advice, it’s absolutely manageable 👍

At TouchPoint Mortgages, we help guide you through the process, explain the jargon, spot potential issues early, and make sure you fully understand what you’re buying before you commit.

Thinking about buying a flat? Drop us a message 📩

🏡 5 Reasons to Use a Mortgage Advisor 🎯Choosing the right mortgage is about more than just finding a rate online. Here’s...
13/05/2026

🏡 5 Reasons to Use a Mortgage Advisor 🎯

Choosing the right mortgage is about more than just finding a rate online. Here’s why working with a mortgage advisor can make all the difference 👇

✅ Expert Guidance
Mortgages can be confusing. We help you understand your options clearly and recommend what’s right for your circumstances.

✅ Access to More Deals
A bank can only offer their own products. We can search across a wide range of lenders to help find competitive deals that suit your needs.

✅ Save Time & Money
We handle the research, paperwork, and lender communication, helping make the process smoother and potentially saving you money along the way.

✅ Avoid Costly Mistakes & Pitfalls
From choosing the wrong mortgage term to getting caught out by hidden fees, we help you dodge common mistakes that could cost you in the long run.

✅ Ongoing Support From Start to Finish
A good mortgage broker works for YOU, not the bank. We monitor interest rates from application through to completion, make sure you speak with our dedicated protection advisor so your family is fully protected, and provide emotional support throughout what can often be a stressful journey.

These are all things you don’t necessarily get when going directly to a bank… which is why we highly recommend using a mortgage advisor.

And who better to choose than us? 🙌
📍 TouchPoint Mortgages

11/05/2026

😂 First-time buyers trying to get an update from their solicitor…

“It’s been 84 years…” 🚢

If you know, you know 😅

The waiting, the chasing, the “just one more thing to check”… it can feel like it goes on forever.

Don’t worry though — it’s all part of the process, and we’re here to keep things moving and keep you updated every step of the way 🙌

💰 Want to save for a house deposit faster?Saving for a deposit can feel like one of the biggest hurdles when buying a ho...
08/05/2026

💰 Want to save for a house deposit faster?

Saving for a deposit can feel like one of the biggest hurdles when buying a home… but with the right approach, you can speed things up ⏩

A few simple ways to get started:
📊 Set a clear savings goal and budget
💸 Cut back on non-essential spending
🏦 Use tools like a Lifetime ISA (with a 25% government bonus)
📈 Automate your savings each month
👫 Consider buying with a partner to reach your goal quicker

Even small changes can make a big difference over time — consistency is key 🔑

We’ve put together a full guide packed with practical tips to help you build your deposit faster 👇

👉 https://touchpointmortgages.co.uk/how-to-save-for-a-house-deposit/

If you’re serious about getting on the property ladder, this is definitely worth a read!

🏡 Viewing a property? Make sure you’re asking the right questions.When you’re walking around a potential new home, it’s ...
06/05/2026

🏡 Viewing a property? Make sure you’re asking the right questions.

When you’re walking around a potential new home, it’s easy to focus on how it looks… but what you ask can be just as important.

Things like:
❓ The condition of the property
❓ Whether it’s freehold or leasehold
❓ Any recent work or issues
❓ How long it’s been on the market

Asking the right questions can help you avoid surprises and make better decisions when it comes to your purchase.

Check out or guide on First Time Buyers in Rustington , which is packed full of hints and tips.

https://touchpointmortgages.co.uk/first-time-buyer-in-rustington-

🏡 Struggling to make sense of mortgages? We’ve got you covered.At TouchPoint Mortgages, we’ve packed our website with fr...
04/05/2026

🏡 Struggling to make sense of mortgages? We’ve got you covered.

At TouchPoint Mortgages, we’ve packed our website with free tools and guides to help you feel more confident about your next move.

🔍 Check your credit report
📖 Break down the lingo with our Jargon Buster
💰 Use our affordability, repayment & overpayment calculators
🏠 Work out your stamp duty in seconds
📚 Explore our helpful guides for buyers, movers, and remortgagers

Whether you’re just starting out or need clarity on your options, everything is there to support you.

👉 Head over to our website and take control of your mortgage journey today.

Address

15 Amsbridge Crescent
Littlehampton
BN177GE

Telephone

+441903442316

Website

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