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New Mortgage Solutions

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Friendly and Professional Mortgage Advice from The Intermediary Mortgage Market The Right Mortgage Limited FRN 949443. New Mortgage Solutions Ltd.

We are all individuals and finding the right lender often takes a great deal of work and commitment no matter what type of finance you need, but finding you the right product for your circumstances is something we care about passionately. New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Limited, who are authorised and regulated by the Financial Conduct Authority. Registered address: Office 17 Regent House, 2 Regent Road, Lowestoft, NR32 1PA. Registered in England and Wales, company no. 05311024. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

29/10/2026

🏡 Own more than one limited company for your buy-to-let properties?

Good news for landlords! 🎉

One of the UK's largest buy-to-let lenders has just relaxed its criteria, making it easier for landlords who own properties through multiple limited companies to access mortgage finance.

Previously, directors and shareholders could be restricted to having just one limited company with this lender.

That's now changed! 🙌

✅ Landlords can now have mortgages across multiple limited companies (SPVs) with the same lender.
✅ More flexibility for landlords looking to expand or restructure their portfolios.
✅ Greater options for those investing alongside different business partners.

This is a welcome change for portfolio landlords who want more flexibility in how they manage their property investments, whilst still achieving competitive interest rates.

📩 Have properties across multiple limited companies? Get in touch to see what mortgage options could be available to you!

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

14/10/2026

🏡 A mortgage with NO monthly repayments? Yes, it's possible!

For high-net-worth individuals with significant assets or complex income, traditional mortgages aren't always the best fit.

A new specialist mortgage product has launched, offering borrowing of £1 million to £12.5 million, without the need to make regular monthly mortgage repayments.

💰 How does it work?

Rather than making monthly payments, the interest is added to the outstanding mortgage balance. The original loan and accumulated interest are then repaid at the end of the mortgage term.

Who could qualify?
✔️ Net annual income of at least £300,000 OR
✔️ Net assets of at least £3 million

Why might this be useful?

It could allow you to release funds without having to sell investments or other long-term assets, whether that's for property investment, business purposes or wider financial planning.

Available for both residential and Buy-to-Let properties in England and Wales.

⚠️ Interest accumulates over the term, increasing the amount owed. A suitable repayment strategy is essential, and lending is subject to eligibility and affordability assessments.

📩 Have significant assets but looking for a more flexible mortgage solution? Get in touch to explore your options.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

09/10/2026

🏡 Could a 2.5% deposit be enough to buy your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:
🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

14/09/2026

🏡 A new way to remortgage has just launched…

If your fixed rate is coming to an end, there’s now another reason to review your options rather than automatically staying with your current lender.

🚀 One of the market leading lenders has become the first to launch a Fast-Track Remortgage service, designed to make switching lenders much quicker for eligible customers, completing in as little as 5 days.

🔍 Traditionally, moving your mortgage to a new lender can take several weeks from application through to completion, which can sometimes make staying with your existing lender feel like the easier option.

🔑 If your mortgage deal is ending soon, even if I’ve never helped you before, get in touch. I can review your current lender’s options alongside what else is available across the market.

Fast-Track Remortgages are only available on eligible cases and are subject to lending criteria, affordability and other checks. Timescales are not guaranteed.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

10/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000
🏦 Potential mortgage: £218,500
🏡 Property price: £230,000
🔑 Deposit: £11,500 (5%)
📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

27/08/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:
🔎 Review your current mortgage and circumstances
📊 Look at what's happening across the wider mortgage market
⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance
🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.

I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send me a message and I'll make sure we're ready when the time comes.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

20/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

13/08/2026

🏡 Good news for fixed-term contract workers!

One of the UK’s largest mortgage lenders has changed the way it assesses certain applicants on fixed-term employment contracts 🙌

If you’re currently working on a fixed-term contract and fall into one of the following categories, you can now be assessed under the lender’s standard employment criteria:

👩‍⚕️ Medical doctors
👨‍🏫 Teachers (excluding supply teachers and teaching assistants)
🌍 UAE residents with a total contract duration of 3+ years

This could make getting a mortgage more straightforward for people who previously faced additional criteria because of their employment contract.

💬 On a fixed-term contract and wondering what your mortgage options look like?

📩 Drop us a message and we can take a look at your circumstances and the lenders that may be available to you.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

03/08/2026

🏡New Prime Minister… What Does It Mean for Your Mortgage?

Politics may have changed, but your mortgage decisions shouldn't be based on the headlines.

Here's what you need to know:

✅ The UK still has a shortage of homes, so market fundamentals remain much the same.
✅ Recent home-buying reforms, including digital property logbooks and earlier agreements, are expected to stay in place.
✅ If your mortgage deal ends within the next 6 months, now is a great time to review your options rather than waiting for political announcements.
✅ Don't forget your protection! Life insurance and income protection are just as important as your mortgage.

Every situation is different, so if you're wondering how recent changes could affect your plans, we're here to help.

📞 Get in touch today for friendly, expert mortgage advice.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

30/07/2026

🏡 Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:
✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)
✅ Available for purchases and remortgages
✅ Up to 4 applicants' income can be considered (subject to affordability)
✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.

New Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Address

Kingsley House, 5 High Street
Chislehurst
BR75AB

Opening Hours

Monday	7am - 9pm
Tuesday	7am - 9pm
Wednesday	7am - 9pm
Thursday	7am - 9pm
Friday	7am - 9pm
Saturday	8am - 6pm
Sunday	8am - 6pm

Telephone

+442082952935

Website

http://www.newmortgagesolutions.co.uk/

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