The Mortgage Consultancy

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The Mortgage Consultancy The Mortgage Consultancy are a mortgage brokerage with offices in Kent & London. We pride ourselves o We can help with both residential and buy to let mortgages.

We can also assist with all of your protection needs. Contact us for a friendly chat with no obligation.

03/11/2026

What happens to your business if one of the people it relies on suddenly dies or becomes seriously ill?

In a property business, different people often carry different responsibilities. Finance, deal sourcing, capital, relationships and day-to-day operations can all sit with different individuals.

If one of them is no longer there, the business could still have borrowing to repay, shares to deal with and important relationships to manage.

Business protection can help create financial options. It could support borrowing, help fund a share purchase, or give the business time and money to replace a key person.

The important part is planning before you need it.

Look at the ownership, debt, people and income, then make sure your legal agreements and protection plan work together.

DM “BUSINESS” if you want to talk through your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

02/11/2026

Think about what it took to buy your home.

Years of saving. Saying no to things. Cutting back. Maybe even getting help from your parents to get that deposit together.

A lot went into getting you through the door.

So what’s the plan if something happens to you and your income stops?

Protection is about making sure the home you've worked so hard to buy can still be there when life doesn't go to plan.

If you've only just got on the property ladder, now could be a good time to review your protection.

DM “LADDER” if you want to talk it through.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

01/11/2026

Property investors stress test the numbers all the time.

What happens if rates rise? Does the rent still cover the borrowing? Can you refinance? Can you afford the next purchase?

But what happens if you can't work for six months?

Who runs the portfolio? Who manages the borrowing? What happens to the income? And if you died, would your family have enough money and support to keep what you've built?

Continuity planning gives you the chance to answer those questions before life forces you to.

Look at what depends on you, then work out what would need to be in place to keep things moving. That could include savings, legal agreements, trusted professionals and personal or business protection.

You've already thought about the future you're building. Give the same thought to protecting it.

DM “CONTINUITY” if you want to start the conversation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

31/10/2026

A big lump sum sounds great until you have to make it last 18 years.

When people think about life cover, they often picture one large payout. But managing a large amount of money while grieving can be a lot to deal with.

Family income benefit works differently. It pays a regular monthly amount, helping replace the income that has been lost.

For some families, that structure could make managing the household finances feel more straightforward.

The right type of cover depends on your family, your finances and what you want the money to do.

Would your family be better suited to a lump sum or a regular monthly income?

DM “COVER” if you want to talk it through.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

30/10/2026

“Can I get a bridge?”

That’s rarely the real question.

The real question is: “Can I do this deal?”

Sometimes the answer involves bridging finance. Sometimes there’s a completely different route that makes more sense.

The starting point should be what you're actually trying to achieve, not the finance product you've already decided you need.

Tell us the plan behind the deal, and we can look at the funding options around it.

Comment “PLAN” if you've got a property deal you're trying to make work.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

29/10/2026

A big lump sum sounds great until you have to make it last for years.

When looking at life cover, most people think about one large payout. But family income benefit works differently, paying a regular monthly amount to replace some of the income that's been lost.

For some families, that can feel simpler because the money arrives in a way that mirrors the income they were used to receiving.

It comes down to what fits your family, your finances and what you want the cover to achieve.

If you had to choose, would your family be better suited to a lump sum or a monthly income?

DM “COVER” if you want to talk through your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

28/10/2026

If you were told years ago that something couldn't be done, it might be worth asking again.

The mortgage market changes. Lenders come and go, criteria shifts, new products appear and your own circumstances can change too.

Advice that was right for you five years ago might not reflect the options available today.

That doesn't mean every deal can be done. It means old advice shouldn't automatically be the reason you stop exploring your options.

If you've got a property deal you've previously been told was impossible, it could be worth taking another look.

DM “REVIEW” if you want to talk it through.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

27/10/2026

We insure our phones, cars, laptops, pets and even our trainers.

But the thing that pays for all of them, our income, is often left completely unprotected.

A broken phone can be replaced. Your income is what keeps your mortgage, bills and lifestyle going every month.

So it’s worth asking yourself: if you couldn't work for a while, what would actually cover your income?

What’s the most overinsured thing you own?

Be honest.

DM “INCOME” if you want to look at your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

26/10/2026

The lowest mortgage rate you see online isn't automatically the best rate for your deal.

Those rates often suit straightforward cases. Standard property, strong income, larger deposit and plenty of time.

Add a short lease, tight deadline, complex structure or something outside the usual criteria, and your options can change.

So instead of comparing your deal to the cheapest rate you've seen online, compare it to lenders who are actually able to fund your specific situation.

The right question isn't just “What's the cheapest rate?”

It's “Which lender can actually do this deal?”

Comment “RATE” if you want to talk through your options.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

25/10/2026

If you have critical illness cover, do you know whether your children are included?

Some policies include children's cover, sometimes at no extra cost.

If your child became seriously ill, having that financial support could give you the option to take time away from work and focus on your family without the added pressure of money.

A lot of parents don't realise their policy may already include it.

Check your cover and see exactly what you're protected for.

DM “FAMILY” if you want us to review your cover with you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

Address

The Engine House, 2 Veridion Way
Erith
DA184AL

Opening Hours

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

Telephone

+441322553282

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