Our Home Mortgage, Liverpool (2026)

01/04/2025

📢 NO JOKES! New Stamp Duty Changes Are Now in Effect! 🏡

As of today, April 1st, 2025, new Stamp Duty Land Tax (SDLT) rules are live — and they could impact buyers across the UK.

Here’s what’s changed:

🔹 Standard Buyers:
You’ll now pay 2% SDLT on property purchases over £125,000 (down from the old £250K threshold).

🔹 First-Time Buyers:
The tax-free threshold has dropped to £300,000, with 5% due between £300K–£500K.
(Previously, you could buy up to £425K without paying a penny.)

🔹 Additional Properties:
The 3% surcharge remains in place for second homes and buy-to-lets.

💰Example:
Buying at £295,000? You’ll now pay £4,750 in SDLT — that’s £2,500 more than before April 1st!

If you’re planning to buy in 2025, it’s more important than ever to budget for these new tax rates — and get tailored advice before you make a move.

📩 Book your FREE mortgage consultation today!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

13/03/2025

🏡 SELF-EMPLOYED -TRUE OR FALSE? 🏡

Let’s bust some mortgage myths! 🚀👇

❓ "I need 3 years of business accounts to get a mortgage."
🙋‍♀️ FALSE – Most lenders require 2 full years of tax calculations, but some will accept just 1 year! 😊

❓ "I’m employed by my limited company, which I own 100%, so lenders will treat me as employed."
🙋‍♀️ FALSE – If you own more than 20% shares in a limited company, lenders will treat you as self-employed.

❓ "It’s harder to get a mortgage if I’m self-employed."
🙋‍♀️ FALSE – You may need different documents to prove your income over a longer period, but it’s not harder—we work directly with lenders to find the right solution for you! 😊

❓ "I should book a free appointment to discuss my mortgage options."
🙋‍♀️ ✅✅✅✅✅✅✅ 100% TRUE! 👍🏼 Our advisors will assess your personal circumstances, match you with the right lender, and make expert recommendations tailored just for you. 🏡😊

📩 Book your FREE mortgage consultation today!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

24/02/2025

HAVE YOU GOT MORTGAGE QUESTIONS?... 🤯❓

We're here to answer all you mortgage & insurance questions. Whether you're a first time buyer or experienced property landlord, we're here to help you along on your journey.

We welcome every single query. Got a burning question? Let's chat and turn uncertainty into confidence. 💬

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

06/02/2025

🏦 BANK OF ENGLAND NEWS 🏦

The Bank of England has just reduced the base rate from 4.75% to 4.5%, marking its third rate cut since 2020! 📉

This could ease the pressure to many borrowers, including mortgage holders, who have faced higher costs in recent years.

📢 Thinking about remortgaging, buying or moving? Now could be the time to review your options!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

04/02/2025

Feeling lost in the mortgage maze with a million questions swirling in your head?
We've got your back! 🤯

Seriously, there's no such thing as a silly question when it comes to mortgages. Our experienced team has heard it all – from the quirky to the complex.

Whether it's your first home or you're remortgaging, we welcome every single query.
Got a burning question? Let's chat and turn uncertainty into confidence. 💬

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

24/01/2025

HOW COULD YOUR FAMILY HELP YOU BUY? 🤔 🪜

Struggling to get on the property ladder? You're not alone! Over 1/3 of first-time buyers received a hand from family 🏡

Family support can make home ownership a reality:
• Gifted deposits boost mortgage options
• Joint mortgages share financial responsibility
• JBSP mortgages offer flexible ownership solutions

Each option has pros and cons, so understanding your family's financial situation is key.

Curious how your family could help you step onto the property ladder? Get in touch with us today 📱
Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

16/01/2025

I'M UNSURE HOW LONG I SHOULD FIX MY RATE FOR? 🤔

Other than the obvious length of fixed rate, there are a few key differences between 2, 3 and 5 year fixed rates which may impact your decision on which offering you go for 🤔

The interest rate of 2, 3 and 5 years have become more similar in recent years, with sometimes the 5-year rates, being lower than 2 & 3 years, however, it's all about the rate.

2 & 3 year fixed rates are perfect for short-term commitment, whether that be you are planning to move, or make significant changes to your situation, being on a 2 & 3 year fixed can allow you the flexibility to make changes without the penalty charges, as waiting for a 2 & 3 year fixed to end is much easier than waiting on your 5!

That being said, 5 year fixed rates can help you beat those remortgage woes, the thought of remortgaging every 2 years is enough to fill many with dread, and having 5 years without remortgaging is great for many.

If you're unsure of which deal is right for you, we'll talk you through your options so you can make an informed decision 🤩

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

08/01/2025

NEW YEAR, NEW MOVE? 🏡 🤔

We'd love to hear what your house and mortgage goals are for 2025?

Are you looking to buy your first home in 2025? or looking to buy your next home?

Is your remortgage due in 2025? or looking to purchase a buy-to-let property?

Speak to us to see how we can help your mortgage goals in 2025!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

19/12/2024

JINGLE BALLS! The Bank of England has held the base rate at 4.75%!

What does this mean for your mortgage? 🏡
🔒 Fixed Rate Mortgages: No changes here! Your rate remains secure until your deal ends.

📈 Tracker or Standard Variable Rate Mortgages: Good news! No increase in your monthly payments since the base rate remains unchanged.

However, if you have been holding off securing a mortgage, it's crucial to stay prepared. Rates can change suddenly, so securing your mortgage deal now can save you from future disappointments.

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

14/12/2024

STAMP DUTY CHANGES IN APRIL 2025 😓 🏡

If you're looking to buy your first home or move in 2025, have you factored the upcoming changes to Stamp Duty?

Recent changes to Stamp Duty Land Tax (SDLT) in the UK include adjustments to rates for second-home buyers and first-time buyers, as announced in the October 2024 budget. Key updates are as follows:

For Second-Home Buyers
Higher Rates: The surcharge for purchasing additional properties increased from 3% to 5% above the standard SDLT rates starting October 31, 2024. This change applies to residential properties across England and Northern Ireland

For First-Time Buyers
Exemption Continuation: First-time buyers remain exempt from SDLT for properties valued up to £425,000, offering a potential saving of up to £6,250. For properties between £425,001 and £625,000, a 5% rate applies

However, starting April 2025, the exemption threshold for first-time buyers will reduce to £300,000, and the upper limit for the discounted rate will drop to £500,000

Reversions to Previous SDLT Thresholds (April 2025)
From April 1, 2025, SDLT thresholds and rates will revert to levels seen before September 2022:

No SDLT for properties up to £125,000 (previously £250,000).
A 2% rate for properties between £125,001 and £250,000.
The 5% rate remains for properties priced between £250,001 and £925,000

If these changes may affect your future home buying plans, feel free to chat through your options with us.

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

✉️ Message us direct

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

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