New Forest Financial

20/05/2026

One thing that is cropping up now and then, is directors of limited companies thinking they can be treated as employed.

If you’re a limited company director, the reality likely is that you’re taking a salary, often it’s minimal for tax purposes and then if you’ve made a profit at the end of the year you take dividends.

However, if you are a limited company director and own more than 25% which is likely, you will be treated as self employed.

So usual self employed criteria applies - majority of lenders will want two years trading before they can look at your income.

So, if you are a limited company director, understand you’re going to be more often than not treated as self employed when it comes to getting a mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

08/05/2026

Here’s why you should trust me with your mortgage or your friends or families.

So yesterday took a lead who was a nervous first-time buyer. She had already spoken to a broker and wanted to speak to another to be sure of everything and go over her questions.

Over an hour and 10 minutes later I had covered everything, allayed any doubts and answered all her questions.

Crucially, because she spoke to me, I covered and gave her information on products, rate types, etc. that the other broker did not.

This now means she is much more informed when it comes to getting the best mortgage for her and her circumstances.

Now admittedly, not every call takes an hour, but I will give you, your friends or family all the time they need to ensure they get the best service possible and most importantly, the best mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

20/03/2026

The Bank of England holding the base rate was not the silver lining for the mortgage market.

The Monetary Policy Committee who are responsible for making decisions on the base rate meet over the previous two days before the announcement.

So the decision on holding the rate would have been made before more attacks happened in The Middle East over Wednesday night.

The reality is that Gilt yields are up, Sonia swap rates are high, the next base rate announcement in April is almost guaranteed to come with an increase and perhaps not even a small one.

Lenders are putting up rates, some are giving short heads up before pulling rates, some lenders may even do a short term withdrawal.

All this means that you cannot wait around. If your mortgage is up in the next 6 or 7 months then get in touch and secure a new rate, otherwise and trust me on this you will end up paying more than you had to.

People looking to buy, be proactive, get offers in, get documents together, get your decision in principles done. You do not have time to waste.

This is not scaremongering. This is reality. It’s going to be bumpy. So, get in touch with me and allow me to help you secure the best deal possible.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

19/03/2026

I’ve had a few people recently wanting to confirm that their rate has been secured.

It’s an understandable concern given everything that is happening with mortgage rates at the moment.

It’s natural to want your rate secured before any further rate increases.

This though goes back to what I keep telling you, get your rate secured early. That means if your mortgage is up for renewal in the next 6 months then get a remortgage arranged early, then if rates come down you can switch.

It’s also true for home buyers, act quickly with your broker to help get that rate secured as soon as possible.

Now, once an application is submitted your rate is then secured for a period of time, obviously if you just leave it then the lender will eventually cancel the application.

Assuming you don’t do that and you get an offer, again your rate is secured typically for up to 6 months.

So, with all these rate changes it is more important than ever to get your mortgage secured early.

Get in touch with me today to see how I can help you secure yours.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

11/02/2026

Some self employed people who follow me on social media, can have different income streams.

A lot like where someone can have two employed jobs.

The key to remember is well, one make sure you are doing your tax returns correctly, declaring all your income and expenditure.

But also - like anyone with two jobs, is it sustainable? How many hours are you working? How long have you been doing both?

As a broker, I need to be checking these to ensure your income is sustainable for the near and long term future of the mortgage.

So yes, it is possible to get a mortgage as someone who is self employed with two different income streams.

As always though, get in touch with me for your mortgage advice, to discuss this or anything else regarding you being self employed and wanting a mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

10/02/2026

Someone said to me recently, thanks, I’ll go away and see if I can find something cheaper.

Spoiler alert - he can’t. He just wasn’t happy with the rate, well I may be great at my job, but I’m not a magician. Not always anyway.

Look, the reality is when you come to any mortgage broker, we’re all pretty much going to have access to the same deals - assuming you’re after a residential purchase, remortgage or buy to let.

If it’s an expat enquiry or something more unusual then yeah only certain brokers like myself can help.

But back to the bread and butter for brokers. You can go away and look for something cheaper, whether that’s under your sofa or elsewhere, but because we’re all similar - it’s all about the service.

You are putting your trust in me to get the best deal and look after you. I’ll do the same for this client when he comes back to me. I know he will.

Myself and my admin Katherine are offering exceptional customer service from when you first talk to me right until you complete. You don’t need to hope for great service we both demand it of ourselves.

So, get in touch and I promise I’ll recommend the best deal for you - and look after you all the way.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

08/02/2026

Hi all, this page will close in the near future - however, should you wish to keep up to date on mortgage news, or want to get in touch in the future, you can connect with me on my personal account or even better - https://www.instagram.com/john_carpentermortgages/reels/

I keep it regularly updated and would love to work and help you all.

Thank you

John

1,598 Followers, 4,601 Following, 1,085 Posts - See Instagram photos and videos from John Carpenter | Mortgage & Protection Adviser ()

05/02/2026

Recently I’ve had numerous clients say “what do you think” when it comes to how long to tie in to a product for.

The reality is, what I think may not be what’s right for you. My preference may be for 5 years but your circumstances suit 2 for example.

You don’t come to me to shop around. You come to me for advice. I’m an adviser, a really bloody good one.

So I will talk you through the different options available to you, and then explain how to help you decide.

The truth of the matter is, that you probably already know what suits you best, but sometimes someone needs to talk you through it, open your mind a bit and see it from a different perspective.

I often get those ah moments - where they’ll say I didn’t think of that or consider that.

They’ve been advised, you should be being advised too. Get in touch today for good advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

04/02/2026

I want to talk about debt, specifically about credit history.

It is so easy for you and me to feel about about adverse credit history. People can quickly say oh you shouldn’t have borrowed that, you could have avoided that situation easily.

Well, firstly, lots of people do and secondly stuff like that doesn’t help and just compounds how you feel.

I’ve had clients recently not wanting to share their credit history because of embarrassment and shame.

The reality of the situation is, I’m not going to judge you. I don’t actually really care what you have. All I care about is helping.

Sometimes, a mortgage can be arranged and we’ll talk about it, other times, that help can be you can’t apply now but come back to me at this stage.

But what’s really important is you don’t hide. What’s happened has happened - it’s time to move forward.

Get in touch today to see how I can help you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS

13/01/2026

I spoke recently about being able to borrow without a deposit.

What about those of you who have a deposit but want to be able to borrow more?

April mortgages again could be the solution for you. If you have a 10% deposit and minimum household income of £24,000 they can lend you up to 6 X your income.

15% deposit and £50,000 income they can go to a huge 7 X your income.

Again, that is because they tie you in for longer periods.

Also, what’s great is firstly, as you go along a long tie in period like the 15 year your rate goes down as the mortgage goes down.

And, there are no early repayment charges if you want to pay off significant chunks of your mortgage. You only pay an early repayment charge if you remortgage to a different lender before your fixed rate expires.

Needing a boost in what you can borrow? Get in touch with me today.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE PAYMENTS