Nicola Salisbury Positive Solutions

Nicola Salisbury Positive Solutions I have been a Mortgage Broker since 2004 and enjoy helping people find the right mortgage for them.

How much can I borrow as a contractor?It’s rarely a simple salary multiplier.Contract rates, day rates, retained profits...
09/06/2026

How much can I borrow as a contractor?

It’s rarely a simple salary multiplier.

Contract rates, day rates, retained profits and dividends all play a part. The structure of your income matters.

Understanding how lenders calculate contractor income can make a big difference to what’s possible.

If you’d like clarity, I’m here to help.



Your home may be repossessed if you do not keep up repayments on your mortgage.

This is a real fear for IT contractors.Lenders usually look at contract history and future prospects, not just today’s e...
04/06/2026

This is a real fear for IT contractors.

Lenders usually look at contract history and future prospects, not just today’s expiry date.
Understanding how they assess this can reduce a lot of anxiety.

If you’re mid-contract and house hunting, I’m happy to talk it through with you.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Bonuses. Overtime. Contract renewals.Variable income doesn’t mean unreliable income. It just needs explaining properly.I...
02/06/2026

Bonuses. Overtime. Contract renewals.
Variable income doesn’t mean unreliable income. It just needs explaining properly.

If your income isn’t straightforward, that doesn’t mean your mortgage can’t be. I can help you navigate it.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Spring often brings more properties to the market.But the real question is whether it’s the right time for you.If your f...
28/05/2026

Spring often brings more properties to the market.

But the real question is whether it’s the right time for you.

If your family’s growing or your circumstances have changed, it may be worth reviewing your options before the busy season fully kicks in. I’m happy to guide you through it.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Spring is a popular time for moving home 🏡If you’re planning to upsize or relocate this year, it’s worth understanding h...
26/05/2026

Spring is a popular time for moving home 🏡

If you’re planning to upsize or relocate this year, it’s worth understanding how porting your mortgage or changing lenders could work for you.

Every move is different.



You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.

“What costs do I need to budget for?”It’s not just the deposit.I see buyers caught out by the extras:• Solicitor fees• S...
21/05/2026

“What costs do I need to budget for?”

It’s not just the deposit.

I see buyers caught out by the extras:

• Solicitor fees
• Survey costs
• Moving expenses
• Stamp duty (in some cases)

The best feeling? Knowing your full budget upfront.

Clarity removes last-minute stress.

I always map the whole picture so there are no surprises.



Your home may be repossessed if you do not keep up repayments on your mortgage.

“Should I fix my mortgage rate now or wait?”It’s the question of 2026.Rates move. Headlines shout. Social media panics.B...
19/05/2026

“Should I fix my mortgage rate now or wait?”

It’s the question of 2026.

Rates move. Headlines shout. Social media panics.

But the right choice isn’t about timing the market perfectly.

It’s about:

• Your budget
• Your risk comfort
• Your future plans

I help you understand the pros and cons so you choose confidently — not fearfully.

There’s no one-size-fits-all answer. Only what’s right for you.



Your home may be repossessed if you do not keep up repayments on your mortgage.

“Can I get a mortgage with bad credit?”Short answer? Sometimes, yes.I know how disheartening it feels to think a past mi...
14/05/2026

“Can I get a mortgage with bad credit?”

Short answer? Sometimes, yes.

I know how disheartening it feels to think a past mistake might hold you back forever.

But not all lenders think the same.

Some look at the story behind the credit blip. Others focus on how you’ve managed things recently.

The key?

Don’t assume you’ll be declined before speaking to someone who understands the full market.

There are more options than most people realise.



Your home may be repossessed if you do not keep up repayments on your mortgage.

“Do I need a perfect credit score?”I hear this daily.And no — there isn’t a magical “perfect number” you need to unlock....
12/05/2026

“Do I need a perfect credit score?”

I hear this daily.

And no — there isn’t a magical “perfect number” you need to unlock.

Different lenders score differently.

Instead of chasing a mythical number, focus on:

• Paying commitments on time
• Keeping balances sensible
• Staying registered on the electoral roll

Small consistent habits > panic checking your score every week.

Progress beats perfection.



Your home may be repossessed if you do not keep up repayments on your mortgage.

10/05/2026

2026 Farleigh Hospice 24k walk, love this walk for a wonderful charity, my 6th one now it is it 7? Can’t remember 😂

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Maldon
CM95QP

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+441621740615

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