Homebuyer Helper, 15 Dewberry Close, Manchester (2026)

02/09/2026

Let’s Talk “Wills & Life Insurance To Protect Debts And The Family..” 🏡

MASSIVE CHANGES APRIL 2027.. Pensions will be part of your estate. This means inheritance tax to be paid on pensions as of April 2027. Life Insurance might be an amazing way to reduce tax burden.

- I’ve created a Free Will if you need a will hit the link in the BIO 🙌

For anyone who doesn’t know if you don’t sort out a will your estate will go to probate. Probate can take upto 12 months 👀 meaning your estate and assets won’t automatically transfer over to who you want it to go to 👀 So I created a free Will to help.

Life Insurance and Income Protection-

Yes it’s a s**t topic of conversation but it is something that you HAVE to talk about if you have people that need your income to survive.

Such as being the mainbreadwinner and having children. If something happened to the main breadwinner what happens next? No more income into the household which will likely mean financial pressue and having to sell up..

This can be avoided with Life Insurance.. you want to find a balance between covering you and your family for as much as possible until all debts are paid off and also until people don’t need to rely on you financially anymore… and also paying an amount you are comfortable paying… you don’t want to be breaking the bank each month to pay for it.

You can be insured for as little at £10 a month..

I hope this helps and if you need any help or advice please feel free to get in touch…

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02/09/2026

Let’s Talk “Finding A Good Team..” 🏡

Estate agents you can’t really do much about.. you have no control over it.

But having a bad team can make the process a nightmare.

Having a good team can make the process delightful.

Quick point “The Homebuyers Helper Guide.” Is a free guide link in the bio it tells you How to find a good team and everything to expect in the homebuying process..

Solicitors: ARE massive I can’t help stress it enough they can literally make or break your property purchase. Crucial to find a good one.

Mortgage Brokers: again you need to find a good one if you don’t you might not be able to find a mortgage for a specific property, every property is different and has different “terms” that come with them, not every lender WILL offer you a mortgage.

That’s not because they don’t like you or think you can’t afford it BUT based on the property…

Every lender looks at properties differently 👀 so you might love a property, get accepted for a mortgage.the lender goes out, and says they don’t like it and don’t offer you a mortgage on the property, A good mortgage broker can then find out why and find a lender that WILL accept and grant you an offer. A bad one will just not look or try.

It’s the little things that can really make a massive difference.. having a good team is so important.

I am a free of charge mortgage broker 🙌

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01/09/2026

Coventry Building Society - for first time buyers

Change Criteria to 6.5x income for first time buyers.

A sole applicant earning £30,000 could in theory look at borrowing
£195,000

A joint household income of £50,000 could in theory borrow
£325,000 👀

Get in touch for more information..

28/08/2026

HSBC - Reduce Rates - 28/08/26 📉

26/08/2026

Let’s Talk “Mortgage Overpayments..“ 🏡

Firstly you’ll need to see if your lender will allow you to make overpayments… believe it or not some lenders WON’T allow you to overpay the mortgage.

Overpaying isn’t for everyone and it all depends on your financial situation…

A very good tip to follow when thinking…
“Do I overpay or do I save instead?..”

The simple rule of thumb is:

If your mortgage rate is around the same, or higher than your savings rate, then it makes sense to overpay...

That’s because when it comes to savings, the reverse isn’t automatically true. A higher savings rate could beat overpaying your mortgage, but it won’t always.

It will depend on a number of factors, including whether you are planning a one-off overpayment or if you want to make regular overpayments (say monthly) over the longer term, how much your mortgage debt is, how many years you have left to repay your mortgage and whether you pay tax on savings interest.

Overpaying can be a great way to pay off your mortgage sooner.

A mortgage paid off sooner means more monthly cash flow for you and your family.

Before you make that decision you will need to weigh up if that money could be spent in a more efficient way…

Such as investing into savings… will that produce you more in the long run than paying off your mortgage quicker..

Putting the money into your business could that make you more than what overpaying on your mortgage would do?

or helping you get a qualification that will make you more money in the long run…

If you need any help or advice with overpayments… please feel free to get in touch 😊 I am a free broker

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25/08/2026

Let’s Talk “Making an Offer on a in demand property..” 🏡

So once you’ve been on a few viewings and then find the property you want.

You’ll want to make an offer.

Now if you are making an offer on a property with a lot of demand. This means lots of viewings and potentially other offers on the property it can be tough.

Estate Agents aren’t allowed or meant to tell you what the other offers are.. as it’s considered confidential information. So you’ll be making an offer kind of blindly.

Hopefully the agent will give you a ball park figure..
“So you need to be around X..”
or
“We have had offers higher than asking price..”

So then you know your offer will need to be more than asking price for your offer to be taken seriously.

How to know what to offer. A lot of the work is done on the viewing.. such as the questions you ask the estate agents and in finding out what the sellers situation is.
(I’ll do a video on questions to ask at a viewing)

Before you can make an offer -
(Hopefully you’ve spoken to a broker (like me) so you know what it’s going to cost you each month to pay for the property if your offer is accepted)

You will need
- A Mortgage in Principle
(You can get this from a Broker 👋 like me for free or online)

- Proof of deposit as a statement vs a screenshot

This is just to show the estate agent that you can actually afford the offer you are wanting to put forward.

In the mean time you might want to start getting a few quotes from solicitors.. as you’ll be very shocked by the range of prices.

Once the offer is accepted solicitors information will be requested by the estate agents.. and then get back in touch with your broker to begin the mortgage application 😊

I hope this helps…

25/08/2026

Let’s Talk “Additional Income..” 🏡

Additional Income.. What a topic.. it really varies from lender to lender.

Additional income can vary from Bonus, Commission, Overtime, Second Job.. other jobs, contracts, investments etc etc..

Lenders may accept additional income, but how much they will accept depends on the source, regularity, and the lender’s specific policies.

You’ll likely need to provide consistent documentation like payslips, P60s, or tax returns to prove the income is regular and not a one-off payment.

Some lenders may accept 100% of a consistent additional income, while others might only count a percentage or a fixed amount of bonuses and commission.

So don’t be scared declaring what you earn.. just most lenders will need to see proof.
So if you’re a drug dealer or anything that is cash.. is going to be a no

I hope this helps.. and if you need any help or advice remember I am a free of charge broker

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24/08/2026

Should I buy or should I rent now?

The reason for anyone who might be looking to go self employed or to set up a LTD company is the deposit money better invested into your business? And then just delay purchasing a property..

I hope this helps, it does all depend on your circumstances, what you can afford and if that helps you find something you want in the area you want.

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24/08/2026

Let’s Talk “The Homebuying Process..” 🏡

Something that is the same for everyone BUT everyone’s experience can be different… so many different things can pop up on the way..

It can seem complex but it isn’t if you have a good team around you. So Solicitors, brokers and estate agents 🙌

We have created a guide that outlines the entire process and journey and even includes a “Homebuyer Journey Tracker” which you can tick off as you go along… and it’s FREE link in the bio..

If anyone is struggling with anything drop me a message

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24/08/2026

Let’s Talk “Wills & Life Insurance To Protect Debts And The Family..” 🏡

MASSIVE CHANGES APRIL 2027.. Pensions will be part of your estate. This means inheritance tax to be paid on pensions as of April 2027. Life Insurance might be an amazing way to reduce tax burden.

- I’ve created a Free Will if you need a will hit the link in the BIO 🙌

For anyone who doesn’t know if you don’t sort out a will your estate will go to probate. Probate can take upto 12 months 👀 meaning your estate and assets won’t automatically transfer over to who you want it to go to 👀 So I created a free Will to help.

Life Insurance and Income Protection-

Yes it’s a s**t topic of conversation but it is something that you HAVE to talk about if you have people that need your income to survive.

Such as being the mainbreadwinner and having children. If something happened to the main breadwinner what happens next? No more income into the household which will likely mean financial pressue and having to sell up..

This can be avoided with Life Insurance.. you want to find a balance between covering you and your family for as much as possible until all debts are paid off and also until people don’t need to rely on you financially anymore… and also paying an amount you are comfortable paying… you don’t want to be breaking the bank each month to pay for it.

You can be insured for as little at £10 a month..

I hope this helps and if you need any help or advice please feel free to get in touch…

Follow for more

Homebuyer Helper

02/09/2026

02/09/2026

01/09/2026

28/08/2026

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25/08/2026

25/08/2026

24/08/2026

24/08/2026

24/08/2026

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