Ric Effio Right Choice Mortgages

30/10/2026

Unfamiliar jargon, piles of paperwork and not knowing what happens next can make getting a mortgage feel more daunting than it needs to be. 👻

Our job is to explain each stage, tell you what we need and keep you updated from the first conversation through to completion.

No tricks and no disappearing acts. Just clear, plain-speaking advice from a team that stays involved 🎃

If a mortgage move is on your mind, come and talk it through with Right Choice Mortgages.

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

📞 Call us today on 07565 969 066

27/10/2026

Getting an Agreement in Principle can be an exciting first step 🏡

But accuracy matters.

Your income, employment, financial commitments, deposit and credit history can all influence the outcome.

An AIP isn't a mortgage guarantee, so giving accurate information from the start gives you a much more useful indication of where you actually stand.

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

📞 Call us today on 07565 969 066

20/10/2026

Life cover, critical illness cover and income protection aren't the same thing 👇

❤️ Life cover can pay a lump sum if you die during the policy term.

🛡️ Critical Illness Cover can pay a lump sum following diagnosis of a specified illness covered by your policy.

☂️ Income Protection can provide a regular income if illness or injury leaves you unable to work.

You don't necessarily need all three. It's about understanding what you want to protect and choosing cover that reflects your circumstances.

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

As with all insurance policies, conditions and exclusions will apply.

📞 Call us today on 07565 969 066

12/10/2026

🏡 Offer accepted
📋 Mortgage application
🔍 Valuation and any survey
⚖️ Searches and legal work
✅ Mortgage offer
✍️ Exchange
🔑 Completion

Every purchase is different and timescales can vary, but knowing the main stages can make the journey feel much less daunting.

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

📞 Call us today on 07565969066

08/10/2026

Morning all! 🧡👋

The team are out of the office today attending the Stonebridge Regional Roadshow in Leeds!

If you have any questions or need any assistance in the meantime, Alana is still available and more than happy to help. 😊

07/10/2026

You might see headlines like this today and, if your mortgage deal is coming to an end, understandably think:

“Am I really going to be paying 6% when I remortgage?”

The important thing to remember is that this is an average rate. It does NOT mean your new mortgage rate will be 6%.

There are lots of factors that go into an average like this. It can include mortgages at higher loan-to-values, specialist lending and cases where adverse credit means higher rates are charged.

Your own rate will depend on your individual circumstances, including things like how much you owe compared with the value of your home, your income, credit history and the products available to you at the time.

So please don’t panic based on a headline.

If your current mortgage deal is coming to an end and you’re worried about what this could mean for your monthly payments, speak to your mortgage adviser and get figures based on your actual circumstances.

Headlines deal in averages. Your mortgage doesn’t.

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

The cost of a new fixed-rate mortgage has been rising in recent weeks as lenders face higher costs.

02/10/2026

For some buyers, yes. 👍🏼

100% LTV mortgages currently exist for eligible borrowers, including options designed for renters with a proven history of making rental payments.

They're not available or suitable for everyone, and affordability and lender criteria still apply.

But if your deposit is the one thing holding you back, it's worth finding out what's actually possible before ruling yourself out.

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

📞 Call us today on 07565969066

29/09/2026

Big news… the My Mortgage Partner app has officially launched! 🚀

Your mortgage journey just got easier, faster, and more organised. Chat, upload, track, and stay updated, all from one app 🧡

Download it FREE now on the App Store or Google Play Store 📱

23/09/2026

A remortgage means moving your mortgage to a different lender.

Both have potential advantages, and neither is automatically the right choice.

At Right Choice Mortgages, we can compare the options and help you understand which route may suit your circumstances.

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

📞 Call us today on 07565 969066

21/09/2026

The lowest mortgage rate isn't always the lowest-cost option 👀

Product fees, cashback and other incentives, Early Repayment Charges and the length of the deal can all affect the overall cost.

That's why choosing a mortgage shouldn't be based on the headline rate alone.

At Right Choice Mortgages, we look at the wider deal to help find an option that's right for your circumstances.

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

🔍 Let's look beyond the headline rate. Call us on 07565969066.