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Rahman - Mortgage Adviser

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Rahman - Mortgage Adviser

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Hi, I’m Rahman — a dedicated mortgage adviser helping you find the right deal for your situation.

Straightforward advice, quick responses, and support from application to completion.

04/11/2026

**The bank has valued your property.**

Everything looks fine.

Mortgage approved.

So you don't need a survey.

Right?

Be careful.

Because there's something many buyers misunderstand. 👇

A mortgage valuation and a property survey are not the same thing.

The lender's valuation mainly answers one question.

"Is this property suitable security for our mortgage?"

But what about —

⚠️ Hidden damp?

⚠️ Roof problems?

⚠️ Structural movement?

⚠️ Expensive repairs?

A mortgage valuation may not identify these issues.

And the lender's valuation is primarily for the lender's benefit.

A separate property survey can help you understand the building's condition.

It won't guarantee that every problem is found.

But it may reveal things you need to investigate before buying.

**Mortgage approved doesn't mean property problem-free.**

📩 Buying your first home?

Make sure you understand the difference before completion.

Your home may be repossessed if you do not keep up repayments on your mortgage.

03/11/2026

A beautiful flat.

Great location.

Excellent price.

And surprisingly cheaper than everything nearby.

You think you've found a bargain.

But then you discover —

Only 75 years remaining on the lease.

Now things get complicated. 👇

Because when buying a leasehold flat —

You're not just buying the property.

You're buying the right to occupy it for the remaining lease term.

And a short lease can mean —

⚠️ Fewer mortgage options.

⚠️ Higher lease extension costs.

⚠️ Difficulty selling in the future.

Under the current lease extension rules, an additional cost called marriage value may apply once a lease has 80 years or less remaining.

Reforms are planned, but key changes aren't yet in force.

That cheap flat?

It might still be worth buying.

But only after understanding the full picture.

The purchase price isn't always the true cost.

📩 Considering a leasehold property?

Check the lease before making a commitment.

Your home may be repossessed if you do not keep up repayments on your mortgage.

30/10/2026

Your mortgage offer has been issued.

Congratulations!

You think the stressful part is over.

But there's one date you shouldn't ignore.

The offer expiry date. ⚠️

Imagine this.

Your lender approves the mortgage.

The seller accepts your offer.

Both solicitors begin their work.

Everything looks fine.

But completion keeps getting delayed.

One week.

Three weeks.

Another month.

And suddenly —

Your mortgage offer is about to expire.

What happens next?

Some lenders may consider an extension.

Others may require a fresh application.

That could mean —

📄 Updated payslips and bank statements.

📊 Another affordability assessment.

🏡 A new valuation.

💷 Different available mortgage rates.

And an extension is never guaranteed.

A mortgage offer is a milestone, not the finish line.

📩 Has your purchase been delayed?

Let's review your mortgage position before the offer expires.

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/10/2026

**"My business makes £100,000 a year."**

Sounds impressive.

But here's a question.

Is that turnover?

Or profit?

Because mortgage lenders know the difference. 👇

Imagine your business has —

£100,000 annual turnover.

£75,000 business expenses.

£25,000 profit.

You cannot automatically expect the lender to assess you as earning £100,000.

For self-employed applicants, lenders may assess income using —

📊 Tax calculations.

📊 Company accounts.

📊 Net profit.

📊 Salary and dividends.

The exact approach depends on your business structure and the lender.

And one lender's affordability figure might be different from another's.

**A successful business doesn't always mean a straightforward mortgage application.**

The important thing is presenting the right income evidence to the right lender.

📩 Self-employed and planning to buy?

Let's assess your income before applying.

Your home may be repossessed if you do not keep up repayments on your mortgage.

21/10/2026

**You have £40,000 in your bank account.**

Enough for your deposit.

So the lender should be happy.

Right?

Not quite. 👇

Because lenders don't just want to know —

How much money you have.

They may also want to know —

**Where it came from.**

Was it saved from your salary?

A gift from your parents?

Money transferred from overseas?

A property sale?

Or funds held in another account?

Different sources.

Different documents.

Different lender requirements.

Even a genuine deposit can cause delays when its source hasn't been explained properly.

And a gifted deposit?

The donor's identity, relationship and source of funds may all matter.

The lesson?

Don't just save the deposit.

**Keep the evidence too.**

📩 Planning to buy a property?

Let's check your deposit before submitting an application.

Your home may be repossessed if you do not keep up repayments on your mortgage.

19/10/2026

October 19th today.

10 weeks to Christmas.

Here is the
truth about those
10 weeks. 👇

The mortgage process
takes 8 to 12 weeks
on average.

Mortgage maturities peak in December — meaning lenders and solicitors will be at their busiest in the final weeks of the year.

mpamag

The buyers who
start today —

Have the best
chance of completing
before Christmas.

The buyers who
wait until November —

Are competing with
everyone else who
also waited.

Slower processing.
Busier solicitors.
Less chance of
Christmas completion.

10 weeks.
Starting today.

That could be
the difference between
Christmas in YOUR home —

Or Christmas in
someone else’s. 💛🔑

📩 Message me today.
10 weeks starts now.

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/10/2026

What is actually
happening in the
UK property market
right now? 👇

🏘️ Listings up.
More properties coming
to market this autumn.
More choice than summer.

🏘️ Prices holding.
Not crashing.
Not surging.
Relatively stable.
Depending on area.

🏘️ Transactions picking up.
More buyers active.
More mortgage applications.
Lenders busier.

🏘️ First time buyers active.
Taking advantage of
slightly improved rates.
And less competition
than spring market.

🏘️ Chains moving.
Sellers motivated to complete
before Christmas.
Chains moving faster
than earlier in year.

What this tells me —

Autumn 2026 is
a genuinely good
time to be
an active buyer.

Not perfect.
But good.

And good is
enough to act on. 💛🔑

📩 Message me today.
Free consultation.
Let’s make autumn
work for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

Christmas 2026.

Two scenarios. 👇

Scenario A —

Christmas morning.
Rental property.
Same place as last year.
And the year before.

Landlord’s walls.
Landlord’s rules.
Another year of
someone else’s mortgage paid.

Scenario B —

Christmas morning.
YOUR home.
YOUR living room.
YOUR tree in
YOUR space.

Children running down
YOUR stairs.

Dinner cooking in
YOUR kitchen.

Everything yours.
Permanently. Forever. 💛

The difference between
Scenario A and B?

A message.
Sent today.
In October.

That’s all. 🔑

📩 Message me today.
Let’s plan YOUR
Christmas scenario.

Your home may be repossessed if you do not keep up repayments on your mortgage.

13/10/2026

If this helps
one family —
If this helps
one family —

Please share it.

Halal home finance
is available in the UK.

No interest. ✅
Shariah compliant. ✅
First time buyers. ✅
Visa holders considered. ✅
5% deposit possible. ✅

The information that
changes someone’s life
might come from
YOU sharing this. 💛🔑

📩 Message me.
Or share this post.
Right now.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Halal home finance
is available in the UK.

No interest. ✅
Shariah compliant. ✅
First time buyers. ✅
Visa holders considered. ✅
5% deposit possible. ✅

The information that
changes someone’s life
might come from
YOU sharing this. 💛🔑

📩 Message me.
Or share this post.
Right now.

Your home may be repossessed if you do not keep up repayments on your mortgage.

12/10/2026

🏡 Could a 2.5% deposit help you buy your first home?
The government has announced plans for Your First Home, a new scheme for first-time buyers in England.
The proposed scheme could offer:
✅ A 2.5% buyer deposit
✅ A 20% government-backed equity loan
✅ An initial interest-free period on the equity loan
✅ Eligible new-build homes from participating developers
The scheme is not open yet. Income limits, property price caps, eligibility and the launch date still await confirmation.
Saving a deposit is only part of the picture. Your income, commitments and credit history will also affect your mortgage options.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Midland House, Unit-1, 111-113 Victoria Road, Romford
London
RM12LX

Opening Hours

Monday	10am - 6am
Tuesday	10am - 6am
Wednesday	10am - 6am
Thursday	10am - 6am
Friday	10am - 6am

Telephone

+447449260731

Website

http://fortune-financial.co.uk/

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