In2Equity Ltd

16/10/2026

"I don't need life insurance yet." 🙅🏾‍♀️
"I've got cover through my job." 🙅🏾‍♀️
Two of the biggest myths I hear all the time.
Here's the truth: life insurance pays out if you pass away, so the money goes to the people you've chosen as your beneficiaries. Many policies also pay out if you're diagnosed with a terminal illness and given less than 12 months to live.
It's not that life insurance is complicated. It's that it's rarely explained properly.
You don't need to decide today. You just need clarity. 💡
📩 DM me "LIVE" and I'll send you my free guide.

15/10/2026

🔑 Your goals. Our expertise.

Buying your first home, remortgaging, growing a buy to let or HMO portfolio, or exploring bridging or commercial finance? Mortgage and protection specialist Angel Thomas and the In2Equity team can help, with advice on gifted deposits, mortgages for the over 60s, business protection, landlord insurance and more.

👉🏾 Thinking about your next move? Meet Angel at the Services Hub, call 0800 772 0998 or visit in2equity.com

📍 BEI Services Hub, Hall S5, ExCeL London
🏷️ BEI Stands: BP24, BP25, BP26, BP36, BP37 and BP38
🗓️ Saturday 17 October 2026, 9am to 6pm

🎟️ Book your ticket: blackbusinessexperience.com/uk-black-business-show/book-tickets

15/10/2026

14/10/2026

The bank doesn't pause your mortgage payment just because your income stops.

​Imagine being signed off work for three or six months due to an accident or unexpected illness.

​How long would your savings carry the mortgage, utilities, and grocery bills before the pressure becomes unmanageable?

​This is why Income Protection is essential:
​Pays a regular monthly, tax-free replacement of a portion of your income if you are unfit to work.

​Keeps your essential bills and mortgage paid without forcing you to drain life savings or borrow from family.
​Gives you the breathing room to recover properly without financial panic.

​You took the time to protect the house. Now make sure you protect the very paycheck that pays for it.
​Send a DM with the word "PROTECT" or call 0800 772 0998 to review your numbers today.

​YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
​

13/10/2026

Saving your deposit is a huge milestone, but having the cash in the bank does not automatically mean you are mortgage-ready.

​Lenders look far deeper than just your savings balance. Before you start booking property viewings, you need these four pillars locked down:

​True Buying Costs: Your deposit is only one expense. You still need funds set aside for conveyancing, surveys, valuation fees, and moving costs.

​Affordability Beyond Salary: Lenders don't just assess your basic wage. Car finance, credit cards, childcare, and personal subscriptions all reduce your borrowing power.

​Credit File Health: Missed payments, high credit utilization, and not being on the electoral roll can quietly shrink your lender choices.

​Paperwork and Paper Trails: Lenders and solicitors require clear proof of funds. Gifted deposits need signed declarations, and every pound needs a clean audit trail across your statements.

​Don’t wait until you fall in love with a property to find out where your borrowing stands.

​Send a DM with the word "READY" or call 0800 772 0998 to get your borrowing position reviewed before you view.

​YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

​

12/10/2026

Need extra cash for renovations, another deposit, or university fees?

​Before you remortgage, check your current interest rate.
​If you are sitting on an ultra-low fixed deal, breaking it could mean losing that rate on your entire balance and triggering heavy penalties.

​Instead, consider a Second Charge Mortgage.
​This lets you keep your cheap primary mortgage untouched and borrow the extra money on a separate loan behind it.

​As a whole-of-market broker, In2equity checks the entire market to see whether a second charge or a full remortgage actually saves you more money.

​Send a DM with the word "EQUITY" or call 0800 772 0998 to run your numbers.

​YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
​

09/10/2026

5 things homeowners might never find out about early repayment charges

You could be hundreds away from leaving your deal for free.

1. Your ERC is charged on the outstanding loan balance, not what you originally borrowed. If you have overpaid, that balance is lower, and so is the charge.

2. Most lenders allow you to overpay up to 10% of the outstanding balance each year penalty-free. Go over that threshold and the charge kicks in on the excess.

3. ERCs on a 5-year fix typically step down yearly: 5%, 4%, 3%, 2%, 1%. Leaving in year four costs a fraction of what leaving in year one would.

4. Porting your mortgage to a new property sounds like a clean move. If the new loan is larger than the old one, the top-up portion is a new product and a new ERC clock starts.

5. You can lock in a new rate up to 6 months before your current deal ends, with no ERC and no obligation to switch early. Most homeowners find this out after they needed to know it.

DM the word ERC and we will tell you exactly where you stand.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.






fixedrate
mortgagebroker

08/10/2026

If you suddenly had no income coming in, how would you cope?

“Here’s a statistic that genuinely surprised me.

Over 58% of UK adults have zero life insurance, critical illness cover, or income protection.

​That means more than half the country is walking a financial tightrope with no safety net.

​Protection isn't just about what happens after you're gone. It's about what happens while you're still here:
​Income Protection: Replaces a tax-free chunk of your earnings if injury or illness stops you working.

​Critical Illness: Clears debts or pays out a lump sum so you can focus on recovery instead of bills.

​Mortgage Cover: Guarantees your family keeps the keys to their home no matter what.

​Ask yourself honestly: if your income completely stopped tomorrow, how many months could your household actually survive before the cracks start showing?

​If that question makes you uneasy, it's time for a proper review.

​Send a DM with the word "COVER" and let’s look at your options to get a safety net in place.

​

07/10/2026

Your fixed rate deal has an end date. Your lender is not going to remind you.

When it ends, you get moved onto their Standard Variable Rate automatically. No warning. Just a higher payment from next month.

SVR is sitting around 7 to 8% right now. If your fix was under 3%, that difference on a typical mortgage is hundreds every single month.

You can lock in a new deal up to 6 months before your current one ends. Most people do not know that.

DM us the word MORTGAGE and we will check your deal end date and tell you exactly what the market looks like for you right now.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

06/10/2026

Buying your first home might have just gotten significantly more realistic.

​The newly proposed "Your First Home" scheme could allow eligible first-time buyers in England to purchase a new-build property with just a 2.5% deposit.

​Here is what that looks like in practice:
​The Deposit: On a £300,000 property, a 2.5% deposit is just £7,500.
​The Equity Loan: The government could step in with a 20% equity loan.

​The Mortgage: You only need to secure a standard mortgage for the remaining 77.5%.

​The full criteria and timelines are still rolling out, and it will be restricted to specific new-build developments across England.

​Want to check if your income and location could qualify as the rollout details land?
​Send a DM with the words "FIRST HOME" and let’s get your numbers ready early.

​YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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