Ashley Carter Mortgage Adviser

04/07/2025

A reminder of why I do what I do.

Two weeks before completion, these clients came to me in a panic — their mortgage offer had been withdrawn and their dream home was at risk.

With the clock ticking, we acted fast. Through persistence, teamwork, and a few late nights, we secured a new mortgage offer and completed in record time.

Today, I received a thoughtful gift from them as a thank you — a gesture that means so much. It’s moments like these that make all the effort worthwhile.

To my amazing clients: thank you for trusting me at such a critical moment. Helping you cross the finish line was a privilege.

When The Bank Says No

16/03/2025

The whole remortgaging process can take you anywhere from four to eight weeks depending on your circumstances, and also who you have handling it for you. 😯

If you’re not having drastic changes with your mortgage, or are looking to remortgage with your existing lender, the work involved can be minimal and the process much shorter.

When the Bank Says No ensures that you only ever apply to a specialist mortgage lender who is more likely to give approval to someone in your particular circumstances. This usually means that delays are kept to a minimum and your remortgage is achieved when you actually need it. 🙌🏼

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

12/02/2025

We understand how a shared ownership mortgage can sound tempting, especially if you have a history of adverse credit. However, it’s essential to be aware of the drawbacks.

Shared ownership properties will remain in leasehold, so you’ll still have to pay ground rent regardless of your share size.
Like most lease agreements, landlords will limit the number of changes you can make to the shared property even though you part-own it.

The smaller the share size, the less benefit you’ll receive if the property increases in value.

The price you pay when buying additional shares can increase depending on current house prices and the market value of your home.

Selling a property under a shared ownership scheme can be complicated. The landlord has the “right of first refusal” to sell it to anybody they want. However, you’ll still have the option to sell the property if the landlord fails to find a buyer within a stipulated time, usually around 6 to 8 weeks.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

10/02/2025

Yes! Many homeowners choose to release equity from their homes by remortgaging and using the money to pay for significant home improvements. 🛠️

Depending on the refurbishments, this may increase the property’s value.

Adding the costs of refurbishments and renovation to your mortgage means spreading said cost across the remainder of the term.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

08/02/2025

Net profit mortgages enable self-employed people to prove their income by declaring their business’ net profits. If you have your own business and generate an income that is split into expenses and profits, a net profit mortgage should be available to you. This applies to businesses run as a sole trader, partnership or limited company.

Mortgage providers take several different approaches to this kind of mortgage; some consider profit before tax, and others will consider profit after tax. The only drawback to net profit mortgages is that they may not demonstrate all that you can afford, and if they demonstrate decreasing profits, lenders may begin to seriously question your affordability.

If you’re not sure about the best approach for your net profit mortgage, our team of advisors are here to explain everything you need to know about this and other eligibility criteria and support you through the mortgage application process.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

02/02/2025

Yes, you can. Though some insurers might dramatically increase their prices or decline you outright if you have a serious medical condition, not all will feel the same.

Having a medical condition and being accepted depends on good advice and approaching the right insurer for your specific condition.

Whilst policies can be more expensive in this scenario, it’s not the case that you can’t get a good deal. Our specialist team will work within your circumstances to seek out the most suitable and achievable option for you.

When it comes to something as important as life insurance, you can trust us to guide and support you every step of the way. �

28/01/2025

Bad credit? No problem. If you know remortgaging is for you and want to get started, fill out an initial enquiry form and speak with a specialist mortgage broker from When the Bank Says No.

Our specialist poor credit mortgage advisors will complete a mortgage fact find and provide you with market insights and information about what you can borrow and what it will cost. Once we’ve reviewed your credit file and talked through your situation, we’ll liaise with lenders and find the right deal for you.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

25/01/2025

It’s not ideal to have bad credit when searching for a second-charge mortgage, however, it’s possible to find a lender who will lend to you. Even if you have an IVA or debt management plan currently in place, there are still options available. �

In this scenario, it’s important to target a specialist panel of lenders who will be more willing to look past your financial history. The IVA will need to have been serviced and maintained throughout the period and be paid off with the proceeds of the secured loan.

When it comes to debt management plans, you have more options. These can be left in place and you can keep making payments with the additional finance used for an alternative purpose, or you can pay it off with the second charge mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

25/04/2024

My business has been nominated by the public for best mortgage advisors under 39 advisor category. And I need your help so we win later this year. Absolutely amazing but without more public votes we won’t win!

When The Bank Says No has made shortlist for Best Broker upto 39 advisors.

I'm asking if my friends and family would be happy enough to lend us their vote.

It would mean the absolute world to the team if we won this award.



The link is here - https://www.whatmortgage.co.uk/awards/2024-what-mortgage-awards-nominee-shortlist-revealed/

When The Bank Says No

2024 What Mortgage Awards - Nominee shortlist revealed at What Mortgage. Compare mortgages for first-time buyers, use our free mortgage calculator, learn about remortgaging & APR.

17/03/2024

Agency worker or not, a larger deposit means a lesser risk to the lender, dramatically increasing your chances of approval. Since many lenders perceive agency workers as posing more risk than your average applicant, amassing a larger deposit (in the region of 20%) may do something to mitigate this. 💷

However, being an agency worker doesn’t mean you have to have a deposit as big as this to buy a property. In fact, if you have worked with your agency for 12 months or more and can prove your financial responsibility through excellent budgeting and money management, you may even be able to access 95% loan-to-value mortgages.📆

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender. When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

04/02/2024

Now that 2024 is in full swing is it time to start discussing your mortgage requirements?

Wether you're a first time buyer looking to get onto the property ladder, the festive period made you realise you needed more space and you're looking to upsize or you're looking to downsize.

Maybe you have an existing mortgage that is due to be renewed in the next 6 months, your lender has sent you the rates that they can offer but you're not 100% sure they're still the best lender for you and would like an independent mortgage broker to review the market for you.

Are you looking to raise funds for home improvements or to consolidate your current outgoings into one monthly payment?

Perhaps you've been thinking about buying an property to rent out as an investment or already have a buy to let and want to discuss remortgaging that?

I'm an independent mortgage broker, which means I can search to find the most competitive deals on the market, that are suited to your requirements.

Drop me a message, give me a call 0161 5038603 or send me an email [email protected]

I would be more than happy to help 😊

03/01/2024

If you, your friends or family are looking to get onto the property ladder in 2024 or are due to remortgage you home within the next 6 months and would like a friendly and knowledgeable advisor to explore your options then please feel free to drop me a message or give me a call.

[email protected]
0161 5038603

www.whenthebanksaysno.co.uk

I would be more than happy to look at what options are available for you.

I hope you all have an amazing year and I look forward to being able to help you on your mortgage journey 💖

When The Bank Says No
Alder Rose Mortgage Services