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Gareth - My Mortgage Gateway

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United Kingdom
Macclesfield
Gareth - My Mortgage Gateway

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Helping you find the right mortgage or protection to suit your needs — with clear advice, friendly support, and zero jargon.

Hi, I'm Gareth I'm an experienced established mortgage protection adviser with over 22 years of industry experience in your local area. If you are looking to buy a new property or would like to refinance an existing one, whether it is residential or a buy to let or let to buy. If you live anywhere in the North West / Cheshire, please do not hesitate to call and I will advise you on the best route to take. I work from several offices in and around the area and have access to over 11,000 mortgage products and over 90 lenders at my fingertips. I'm here to help and my advice costs nothing. Please like and share my home page with anyone you feel may need advice. E: [email protected] M:07834858174

Hope to see you soon.

30/10/2026

Something worth knowing if you own a home or are thinking about buying one.

Some lenders now offer a green mortgage, with better rates for properties with a good EPC rating.

If your home is currently rated C or lower, improvements like solar panels, or upgraded insulation could bring that rating up. A better EPC rating on your next remortgage could mean a noticeably better deal.

Good for the environment. Potentially good for your monthly payment too.

Give me a call and we can look at whether it makes sense for you.

📞 07834 858174
📧 [email protected]

29/10/2026

If you bought your home a few years ago and haven't looked at your mortgage since, something's probably changed that's worth knowing about.

Your equity has probably grown. And more equity means a lower loan to value, which means you might qualify for a better rate now than when you first took it out.

If you want to see if your equity has grown, give me a call on 07834 858174 and we can check.

28/10/2026

Saving for a deposit while paying rent is one of the hardest parts of getting onto the ladder. Most people know that. What's changed is how many options there are now for people who don't have a huge chunk saved up.

5% deposit mortgages are widely available. Some lenders will now consider no deposit at all if you've got a solid rental history. And one of the newer options on the market lets you buy with a flat £5,000 deposit.

If you want to find out which low deposit options are available for your circumstances, give me a call on 07834 858174.

27/10/2026

The lowest rate isn't always the cheapest mortgage.

I know that sounds odd but stay with me.

There are fees that sit on top of the rate and they matter more than people think. A £999 arrangement fee added to your mortgage doesn't cost you £999. By the time interest is added over the term it's closer to £1,700.

We’ll work out the real cost of every deal before we recommend it.

📞 07834 858174
📧 [email protected]

26/10/2026

Your credit report might have an error on it right now and you'd have no idea.

It's more common than people think. Old addresses that were never updated, joint accounts from years ago, a missed payment that's stuck around longer than it should.

Before you apply for a mortgage it's worth checking. Credit Karma, Clearscore and MSE Credit Club are all free to use and between them cover all three credit reference agencies. If something shouldn't be there it can be disputed and removed before any lender sees it.

25/10/2026

A lot of people leave their remortgage until the last minute. Then they end up rolling onto the lender's standard variable rate while they sort it out, which is usually the most expensive option going.

But you can lock in a new deal up to six months before your current one ends. That means you can secure today's rates, and if rates drop before your new deal starts, you can usually swap to a better one before completion.

Six months feels early but it's the safer move.

If your deal ends before the end of the year, now's a great time to get the ball rolling.

📞 07834 858174
📧 [email protected]

24/10/2026

A lot of first time buyers think they’re not ready because they don't understand the process well enough.

Here's the thing: you don't need to understand every step before you start.

In half an hour I can walk you through the whole thing. What you need, what to expect and what it actually costs.

Then you can decide if you're ready. Give me a call to find out more.

📞 07834 858174
📧 [email protected]

23/10/2026

"I probably don't earn enough for a mortgage." is wrong more often than you'd think.

Lenders don't just look at your salary. They look at the whole picture. What you earn, what you spend, what you owe and what you've got saved all factor in.

There's no magic number, there's just your situation and finding the right lender for it.

If you've ruled yourself out without asking the question, give me a call. The answer might surprise you.

📞 07834 858174
📧 [email protected]

Address

2 Hetherington Square
Macclesfield
SK102ZD

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 12pm

Telephone

+447834858174

Website

https://www.mymortgagegateway.co.uk/

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