Scott Bloom - Independent Mortgage Adviser

Scott Bloom - Independent Mortgage Adviser Offering Whole Of Market Fee Free Service

05/12/2025

🚨 Massive Halifax update for first-time buyers.
Income requirement cut from £50k → £40k.
Self-employed now included.
Up to 5.5x income borrowing power.
Plus £1bn extra lending to help buyers get on the ladder.

DM HALIFAX to check how much you could now borrow.

03/12/2025

🚨 MASSIVE update from Accord Mortgages for first-time buyers and JBSP clients.
No minimum income required for higher LTI (up to 5.5x).
95% LTV allowed.
New build friendly.
JBSP rules widened to make family-assisted buying even easier.

DM ACCORD for a borrowing power check — this could change everything.

It’s hard to believe you’ve been gone for a full year already. My inspiration to be better and push myself forward to be...
01/12/2025

It’s hard to believe you’ve been gone for a full year already. My inspiration to be better and push myself forward to being the person I want to be. Still lots of work to do but I hope you can see I’m working hard on it. Love and miss you very much Grandma. Your numero uno ###

26/11/2025

🚨 First-time buyers just got a HUGE boost.
Leeds Building Society have increased their affordability model — meaning some buyers earning £30k+ could now borrow up to 5.5x income.

This could make tens of thousands of homes newly affordable 👀
If you’ve been struggling with affordability, this might be the opportunity you’ve been waiting for.

DM me LEEDS and I’ll calculate your new borrowing power.
No pressure. Just clarity.

24/11/2025

Recent research found that 68%* of aspiring first-time buyers say it’s likely that getting a deposit together to buy their first home will wipe out their savings – leaving them without a financial cushion for emergencies.
But with Skiptons Delayed Start mortgages, your could give yourself some much needed financial breathing room:

No mortgage repayments are due for the first three months after completion, but interest does accrue from day one.

At least one applicant must be a first-time buyer.

Can be used with Income Booster (JBSP) and on New Build applications.

Up to 10% overpayment allowance of the original loan amount per year.

Subject to eligibility and lending criteria.
To find out more about Skiptons Delayed Start mortgages, message me on here for more details. You can also call or email me, my contact details are on my bio

20/11/2025

Introducing NatWest Shared Ownership Mortgages & Higher LTVs For New Builds

If this is of interest please contact me to discuss further

19/11/2025

Halifax Make Changes To Non-UK Nationals Mortgages

From Friday 14 November we’ll be able to support more non-UK nationals who are looking to buy a permanent home in the UK.

We are lowering the minimum income requirement where at least one customer has lived in the UK for a minimum of one year, to an individual income of £50,000, or a joint income of £75,000.

Key changes
We’ll still accept applications from non-UK customers who have either lived in the UK for more than five years, or who have permanent rights to reside (please see our website for this definition). Now, we can also accept applications if they meet the new, lower minimum income requirement.

For customers who have been in the UK for less than one year, we can still accept applications if they meet the previous minimum income requirement (individual £75,000, joint £100,000), or if the loan to value (LTV) is no more than 75%.

If this is of interest please contact me for further info

18/11/2025

Barclays Increase LTI To Max 6x Income & Higher New Build LTVs

17/11/2025

Mortgage Catch Up Covering
10/11/25 - 17-11/25
New Policy Changes
Reduced Rates
& More!

12/11/2025

Life insurance that protects your family — and rewards you for living well. 💚

With Vitality Life Insurance through me, you don’t just get financial protection for your loved ones — you get access to the full Vitality Programme, scientifically designed to help you stay happy and healthy.

🩺 Understand your health
Create your personalised Health Profile in the Vitality UK app and set goals that help you look after your wellbeing.

🏃‍♀️ Get healthier
Earn rewards for everyday activities — whether that’s walking the dog, chasing after the kids, or hitting the gym.

🎁 Get rewarded
Choose your favourite weekly rewards and play for extra monthly treats — from top brands like coffee shops, retailers, and fitness partners.

💸 Enjoy discounts
Save on health checks, wearable tech, gym memberships, and fitness gear that keeps you motivated.

It’s more than life cover — it’s a lifestyle that helps you and your family feel good while staying protected.

✨ Protect your future. Reward your lifestyle.
If you’d like to find out how to get these benefits for your family, send me a message and let’s talk.

Protect your future. Reward your lifestyle.When you take Vitality Life Insurance through me, you’ll gain access to exclu...
10/11/2025

Protect your future. Reward your lifestyle.

When you take Vitality Life Insurance through me, you’ll gain access to exclusive benefits, meaningful rewards, and tools that help you live a healthier, more secure life.

Message me for further details

07/11/2025

Your bank wants to keep you.
I want to save you money.
DM COMPARE and I’ll show you both options side by side.

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London
NW73AZ

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Wednesday 7am - 11pm
Thursday 7am - 11pm
Friday 7am - 11pm
Saturday 7am - 11pm
Sunday 7am - 11pm

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