Gareth - My Mortgage Gateway

Gareth - My Mortgage Gateway 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.

If we have helped you recently, a Google review would mean a lot to us.It helps other people find us when they need hone...
28/08/2026

If we have helped you recently, a Google review would mean a lot to us.

It helps other people find us when they need honest mortgage advice and it makes a big difference to our business.

https://rpst.in/ld6nl

A lot of people leave their remortgage until the last minute. Then they end up rolling onto the lender's standard variab...
27/08/2026

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]

Saving for a deposit while paying rent is one of the hardest parts of getting onto the ladder. Most people know that. Wh...
26/08/2026

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.

If we have helped you recently, a Google review would mean a lot to us.It helps other people find us when they need hone...
25/08/2026

If we have helped you recently, a Google review would mean a lot to us.

It helps other people find us when they need honest mortgage advice and it makes a big difference to our business.

https://rpst.in/K5Maj

Bad credit doesn’t automatically mean no mortgage.There are specialist lenders who work specifically with people who've ...
24/08/2026

Bad credit doesn’t automatically mean no mortgage.

There are specialist lenders who work specifically with people who've had credit issues. Missed payments, defaults, even bankruptcies. There are options available.

The rate will usually be higher, and you'll typically need a bigger deposit. But "can't get a mortgage" isn't accurate for most people.

The longer it's been since the issue, and how you’ve handled things since, the more options open up. It’s not a permanent situation. It gets easier over time.

If you've been written off, get a second opinion.

If you bought your home a few years ago and haven't looked at your mortgage since, something's probably changed that's w...
23/08/2026

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.

Did you know if you refer a friend to us, we'll give you £50 when their mortgage completes?All they need to do is let us...
22/08/2026

Did you know if you refer a friend to us, we'll give you £50 when their mortgage completes?

All they need to do is let us know you sent them our way and we'll take care of the rest. 🤑

📞 07834 858174
📧 [email protected]

Being on Universal Credit doesn't automatically rule you out of getting a mortgage.Some lenders will accept Universal Cr...
21/08/2026

Being on Universal Credit doesn't automatically rule you out of getting a mortgage.

Some lenders will accept Universal Credit as part of your income, particularly if it's a top up to employed income rather than your only source.

If you're self-employed, part-time or in a lower income bracket and receiving Universal Credit, it's worth having a conversation before you assume the answer is no. Every lender is different and what one declines another may accept.

Give me a call and we'll look at what's actually available for your situation.

📞 07834 858174
📧 [email protected]

A lot of people think mortgage affordability is just about their salary. It’s not.Lenders also count overtime and bonuse...
18/08/2026

A lot of people think mortgage affordability is just about their salary. It’s not.

Lenders also count overtime and bonuses if they're consistent, child benefit, second job income and rental income where applicable.

You might be able to borrow more than you think.

Give me a call on 07834 858174 to find out more.

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

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