Lodestone Mortgages & Protection

03/06/2026

How long does a remortgage actually take?

Most homeowners assume it’s quick… but in reality the full process usually takes 2–3 months.

That includes:
• Researching the right deal
• Submitting the application
• Property valuation
• Mortgage offer
• Legal work to switch lenders

The key mistake many people make is waiting until their deal ends.

Start looking around 6 months before your current mortgage expires so you can secure a rate early and avoid rushing the process.

Contact us to discuss your options.
➡️https://beacons.ai/lodestone

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

You may have to pay an early repayment charge to your existing lender if you remortgage.

02/06/2026

Remortgaging after a change in circumstances?

This is where people get caught out.

If you stay with your current lender, you can often switch to a new deal with a simple product transfer — usually no underwriting.

BUT…

If you want the best deal by moving to a new lender, that’s a full mortgage application again.

And that means checks on:

✅ income
✅ employment status
✅ credit commitments
✅ affordability

So if you’ve changed job, gone self-employed, reduced hours, or taken maternity/paternity leave… you need to plan early.

💡 My rule: start looking 6 months before your deal ends.

Want to know what your options are? Drop me a message.

Contact us to discuss your options.
➡️ https://lodestone.mortgage/re-mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

You may have to pay an early repayment charge to your existing lender if you remortgage.

01/06/2026

📢 Thinking About Remortgaging? Here’s How You Might Save 📢
🔍 Can you save money by remortgaging?

It depends on your unique situation. Here’s the breakdown:

1. Existing Low Rates 📉: If you locked in a low rate (under 2%) around 5 years ago, a new mortgage might mean higher payments, as current rates are higher.
2. Avoiding the Standard Variable Rate (SVR) 🚨: When your fixed rate ends, you’ll move to your lender's SVR, often 7%+. Remortgaging now could secure a rate below this, preventing a huge payment hike!
3. Debt Consolidation 💳: Want to roll other debts into your mortgage? While this can lower monthly costs, stretching short-term debt over a long mortgage term means you’ll pay more in interest over time.

💡 Key Takeaway: Remortgaging can help you save by avoiding the SVR and managing payments, but it’s vital to evaluate your personal circumstances first.

🤝 With over 25 years of experience, I’m here to guide you through the options and find the best fit. Reach out to discuss your needs!
Contact us to discuss your options.
➡️https://lodestone.mortgage/re-mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Think carefully before securing other debts against your home.

31/05/2026

📢 Why Remortgage Your Property? 🏡💡

One of the most common questions is: Why consider remortgaging?

💼 Reason 1: Fixed rate ending
• When your fixed rate ends, your mortgage moves to a standard variable rate (SVR) – around 8-9% now. 💸 This can increase payments significantly.
• Avoid the SVR by exploring better rates from other lenders.

💼 Reason 2: Home improvements or big expenses
• Need funds for a loft conversion, extension, or even a wedding or holiday? 🎉
• Remortgaging allows you to borrow extra by releasing equity.

💼 Reason 3: Consolidating debts
• Got high-interest debts like credit cards or loans? 🚗 Remortgaging can combine them, lowering monthly costs.
• Note: Consolidating could cost more in long-term interest, so always get advice.

📌 Tip: Avoid remortgaging mid-term to prevent penalties.
Considering remortgaging? Get in touch for expert guidance.

Contact us to discuss your options.
➡️ https://lodestone.mortgage/re-mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

Think carefully before securing other debts against your home.

You may have to pay an early repayment charge to your existing lender if you remortgage.

30/05/2026

🏡 How Much Can You Borrow as a First-Time Buyer? 🤔

Buying your first home is exciting, but the big question on everyone’s mind is: How much can I borrow?

Let’s break it down:

🔍 Lenders calculate borrowing power based on three key factors:

1️⃣ Your income
• Base salary ✅
• Regular bonuses, overtime, or commission 💷
2️⃣ Your outgoings
• Loans, credit cards, and childcare costs 👶
• Subscriptions (Netflix, gym memberships, etc.) 📺🏋️
• That’s why bank statements are always required! 🧾
3️⃣ Your credit score
• Don't panic! Your score will vary across the UK’s three main credit agencies 📊
• Lenders also use their own scoring systems!
• High credit score ≠ guaranteed approval, and low score ≠ automatic decline 🚦

💡 How much can you borrow?
• Most lenders offer 4.5x your income, but some may lend up to 6 or even 7 times your income, especially for higher earners! 💰
• Every lender is different, and what you can borrow depends on your unique circumstances.

✨ Why use a mortgage broker?
• We tailor solutions to your needs.
• Find out exactly how much you can borrow.
• Secure the best deals available! 💼

📩 Got questions? Drop them in the comments!

❤️ Like, share, and follow for more tips to guide you through your property journey.

Contact us to discuss your options.
➡️ https://lodestone.mortgage/first-time-buyer/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

You may have to pay an early repayment charge to your existing lender if you remortgage.

29/05/2026

New video out today.

Mortgage rates, the energy price cap, and what it all means for you right now.

Worth a watch if you're buying, remortgaging or just keeping an eye on things.

https://youtu.be/3jLQUGYmdzI?si=zUUCLiFqr4z3fud3

This week in the UK mortgage market, seven lenders have cut mortgag...

27/05/2026

🚨 The mortgage trap nobody warns you about…

Just because a lender can use your overtime, bonus or commission for affordability…

…it doesn’t mean you should rely on it.

Because what happens is:
✅ You borrow more
✅ You buy the bigger house
✅ You stretch for the better area

Then reality hits…

❌ overtime gets cut
❌ bonuses drop
❌ commission disappears
❌ company performance changes
❌ you burn out

And suddenly the mortgage that looked “affordable” isn’t.

My rule is simple:

If you need overtime/bonus/commission just to scrape through affordability…

you’re stretching it too far.

Lenders lend based on numbers…

…but you have to live with the payment.

👇 Have you ever relied on bonus income for a mortgage? Comment below.

Get in touch and let’s explore your options together! 🌟

Contact us to discuss your options.
➡️ https://lodestone.mortgage/

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

22/05/2026

Big week in the mortgage market. Swap rates have dropped, some lenders are cutting rates, and it is definately still a buyers market if you are thinking about buying or moving.

Full breakdown in this week’s video 👇

https://youtu.be/s_P7gZ8IUvQ?si=rUqmTVx7RI5G_WFM

Any questions drop them in the comments.

UK Mortgage Market Update | May 2026 | Mortgage Rates, Swap Rates, ...

18/05/2026

Taking out a loan or credit card in your name for a friend or family member could seriously damage your mortgage application, even if they're paying you back every single month with bank transfers to prove it.

Mortgage lenders cannot factor in third-party repayments.

If the credit is in your name, it counts as your financial commitment and reduces how much you can borrow - no exceptions.

Here's what you need to know before you say yes to someone asking for a favour.

Contact us to discuss your options.
➡️ https://beacons.ai/lodestone

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.

17/05/2026

🎯 What’s the Minimum Deposit for a UK Mortgage? 🏡💷

Let’s talk about minimum deposits when buying a property in the UK.

🔎 Key factors to consider when determining your deposit:

• Purpose: Are you buying to live in or to rent out? 🏠 vs. 🏢
• Property type: Is it a primary home, second home, or holiday home? 🌴
• Property value: Higher values often require higher deposits. 💰

📊 Examples:

• Buy-to-let: Usually requires a minimum deposit of 20-25%
• Residential home: Minimum deposit starts at 0% with a few lenders
• New build: Often requires 10-15% depending on the lender and the property

• Unique offer: One lender offers a 1% deposit with a £5000 minimum on properties up to £500,000

There are also new schemes coming to the market all the time as lenders innovate in an effort to assist first time buyers and home movers.

💡 Remember, the larger the deposit, the lower the interest rate you can secure. Each lender offers different rates based on loan-to-value ratios.

Unsure about how much deposit you’ll need?

Get in touch today for tailored advice.

We’ve helped hundreds of clients and would love to help you too! 🤝

Contact us to discuss your options.
➡️ https://beacons.ai/lodestone

This video is not advice. It and the comments in it are for information purposes only.

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

Lodestone may charge a fee for mortgage advice. The precise amount will depend on your circumstances, but it will not exceed £599.
Integer Advice Ltd t/a Lodestone is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the FCA.