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Home me mortgages

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Making your mortgage journey easy and stress free.

Covering Berkshire, London & UK 🏡

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

30/10/2026

There’s something that I find a lot of company directors don't realise until it's too late.

You've taken a small salary and dividends on your accountant's advice, which is sensible for tax.

But to a standard lender, that looks like a £50k income, even if your company is holding significantly more profit.

And tha’ts why so many directors end up borrowing way less than they should be able to.

The good news is some specialist lenders will look at your salary plus your share of the company's net profit instead, and that can make a serious difference to what you can borrow.

And as a director myself, I completely get it.

If you're in this position and want to understand your mortgage options, drop me a message 📩

29/10/2026

No stamp duty changes, a 2.5% deposit route onto the ladder for first time buyers from Spring 2027, a new First Time Buyer ISA and higher tax for landlords. Swipe for what it means depending on where you are.

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

28/10/2026

The Autumn Budget in a two minute swipe.

£100 towards energy bills for 20 million homes, your £20,000 cash ISA allowance protected, a 3.9% minimum wage rise and fuel duty frozen again.

Nothing changed directly for mortgages, but rates have been moving. If your deal ends in the next six months, it is worth a conversation. Questions? Link in bio.

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

28/10/2026

Here's how I help company directors, entertainers and athletes secure the right mortgage 🏡

Income from bonuses, dividends, sponsorship deals or contracts is often more complex than a standard salary, which can make the mortgage process harder to navigate. Understanding how lenders assess these income streams is key.

I recently helped an actor secure a mortgage based on his renewed contracts. This is a great example of how the right advice and lender knowledge can make all the difference.

If your income doesn't fit the norm, get in touch to discuss your options 📩

26/10/2026

Been told you need 2 years' accounts to get a mortgage as a company director? It’s not always true.

Some lenders will assess your income on just one year's accounts, which means you could understand what you can borrow and move forward a lot sooner than you think.

I've helped plenty of directors do exactly this. It's really just about knowing which lenders to go to and how to structure the application.

If you've recently set up your company and you're thinking about buying a property, drop me a message and we can talk through your options 📩

26/03/2026

There are thousands of mortgage products on the market.

You could spend hours comparing rates, reading the fine print, and trying to work out which fees are worth paying.

Or you could speak to someone who does this every single day.

A good mortgage adviser doesn't just find you a rate. They look at the full picture — your income, your plans, your circumstances — and match you with the right product. Not just the cheapest headline number.

That's the difference between a transaction and advice.

Ready for a proper conversation about your mortgage? Link in bio.

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

25/03/2026

Remortgaging soon? Save this checklist before you start 📌

✅ Check when your current deal ends (mark it in your calendar now) ✅ Start looking 6 months before expiry
✅ Know your current outstanding balance
✅ Check your property's rough value (Zoopla or Rightmove estimates work as a starting point)
✅ Review your credit file — fix any errors before applying
✅ Speak to an adviser, not just your current lender

Your current lender's retention deal isn't always the best deal. It's just the most convenient one.

Don't leave money on the table. Send us a message and we'll review your options — no strings attached.

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

24/03/2026

We don't ask you to take our word for it.

Every week we help people navigate one of the biggest financial decisions of their lives. First-time buyers, home movers, remortgagers — each with different circumstances and different needs.

What do they all have in common? They wanted straight-talking advice from someone on their side.

Have a look at our reviews. They say more than we ever could. ⭐⭐⭐⭐⭐

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

19/03/2026

What actually happens between your mortgage application and getting your keys?

Here's the simplified version:

1. Agreement in Principle
2. Full mortgage application
3. Lender valuation of the property
4. Mortgage offer issued
5. Solicitors handle legal work and searches
6. Exchange of contracts
7. Completion — keys are yours

The whole process typically takes 8–12 weeks, sometimes longer. The more prepared you are upfront, the smoother it goes.

Knowledge removes anxiety. That's always been our approach. Save this one for later 📌

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

18/03/2026

Bank of England base rate decisions affect more than just mortgages.

But if you're on a tracker or variable rate, they affect your payments directly.

Every time the base rate moves, it's worth reviewing where you stand. Not reacting — just reviewing. There's a difference between being proactive and being reactive.

If you're unsure how rate changes impact your specific deal, get in touch. A quick review could save you hundreds a month, or just give you peace of mind that you're already on the right deal.

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

Address

London

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+442035970444

Website

http://homememortgages.co.uk/

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