Knox Mortgages

Knox Mortgages Here to assist you with all and any of your mortgage related needs

09/06/2026

YOU CAN BORROW MORE THAN 4.5X YOUR SALARY 💷🏡

Most people think the limit is 4.5x income — but that’s not the full picture.

Yes, 4.5x is the standard.
But some lenders will go:
• 5x income
• 5.5x income
• Even up to 6x income in the right circumstances

It all depends on:
✔ The lender
✔ Your profession
✔ Your deposit size

If you’re a doctor, accountant, solicitor, or in certain professional roles, some lenders offer enhanced income multiples.
There are even options for higher borrowing on long-term fixed rates.

The problem?
Many brokers only work with a limited panel — so they simply don’t know these options exist.

A whole-of-market broker who understands lender flexibility could unlock tens of thousands more borrowing power — and that can be the difference between getting the home you want… or settling.

👉 Comment FIRST TIME BUYER and we’ll send you our FREE guide to help you understand your true borrowing potential.



Your home may be repossessed if you don't keep up repayments on your mortgage.

Knox Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

07/06/2026

THE LIFETIME ISA PENALTY MOST BUYERS MISS ⚠️💰

A Lifetime ISA sounds like free money — but there’s a catch.

You put money in, the government adds a 25% bonus… great, right?
But if you don’t use it for a first home (within the price cap) or retirement, you get hit with a 25% withdrawal charge on the full amount.

Here’s where it stings:
Put in £1,000 → get £250 bonus = £1,250
Withdraw it incorrectly → 25% penalty = £312
You get back £937… less than you put in.

That’s why understanding the rules matters.

If you’ve got a Lifetime ISA and you’re unsure when you’re buying — or if your purchase will fall within the £450,000 limit — get advice early.

👉 Comment FIRST TIME BUYER and we’ll send you our FREE guide to help you avoid costly mistakes like this.

Your home may be repossessed if you don't keep up repayments on your mortgage.

Knox Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

05/06/2026

YOUR CREDIT SCORE DOESN’T MATTER (LIKE YOU THINK) 📉🏡

Obsessing over your credit score?
Here’s the truth — lenders don’t actually use the number you see.

Experian, Equifax, ClearScore… they all give you different scores.
And mortgage lenders? They don’t rely on any of them.

What they really look at is your credit file — the raw data behind the score:
• Have you missed any payments in the last 6 years?
• How much debt do you currently have?
• Are you on the electoral roll?
• Any defaults or CCJs?

That’s what actually matters.

So instead of trying to boost your score from 800 to 900, focus on what lenders care about:
✔ Pay everything on time
✔ Keep credit card balances low
✔ Get registered on the electoral roll

That’s what moves the needle.

👉 Comment FIRST TIME BUYER and we’ll send you our FREE guide with tips to get mortgage-ready.

Your home may be repossessed if you don't keep up repayments on your mortgage.
Knox Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

04/06/2026

Your deposit is ready. But most first-time buyers are missing four other costs that catch them short before they get the keys.

Solicitor fees. Survey costs. Mortgage arrangement fees. Removal costs. These can easily add up to several thousand pounds on top of your deposit.

Most first-time buyers do not have this money set aside because nobody tells them to. Solicitor fees alone can run to over a thousand pounds.

A structural survey on an older property can be similar again. Some lenders charge an arrangement fee on their lowest rate products. And then there is the cost of actually moving.

None of this is hidden. But it catches people out at the worst possible moment. Your deposit gets you to the front door. These costs get you through it. Work out the full picture before you commit to a purchase price.

A good broker will walk you through all of it before you spend a penny.

💬 Comment "first time buyer" and we'll send you our free first-time buyer guide.

Your home may be repossessed if you don't keep up repayments on your mortgage.
Knox Mortgages is a trading style of Fort Advice Bureau which is authorised and regulated by the FCA for Mortgage and Protection business. FRN: 972730.

Can I get a mortgage if I have poor credit?Poor Credit? You Could Still Get a Mortgage! 🏡Having a less-than-perfect cred...
03/06/2026

Can I get a mortgage if I have poor credit?

Poor Credit? You Could Still Get a Mortgage! 🏡

Having a less-than-perfect credit score doesn’t mean homeownership is out of reach. Here’s what you need to know:

✅ Specialist Lenders: Some lenders specialise in helping people with poor credit histories.

📋 Flexible Criteria: A mortgage broker can match you with lenders who are more understanding of your situation.

💡 Boost Your Chances: Saving a larger deposit, reducing debts, or showing stable income can make it easier to get approved.

🔑 Top Tip: A whole-of-market mortgage broker has access to more options than going directly to a bank.

Your credit score is just one part of the story—let’s find the right solution for you.

Access Our Free First-Time Buyer Guide
Start your homeownership journey with expert insights on getting your first mortgage, budgeting, and the home-buying process—all designed to support first-time buyers. Comment “FirstTimeBuyer” below, and we’ll DM you the guide directly.

Access Our Free Home Mover Guide
Planning your next move? Get valuable tips on selling, buying, and securing a mortgage for your new home—all tailored for home movers. Comment “HomeMover” below, and we’ll DM you the guide directly.

Your home may be repossessed if you don't keep up repayments on your mortgage.

Knox Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

01/06/2026

Not being on the electoral roll could cost you thousands in borrowing power.

The electoral roll is one of the main ways lenders verify your identity and address. If you are not on it, some lenders will not consider you at all. Others will lend to you but at a lower amount because they cannot fully verify your details.

Getting on the electoral roll takes about five minutes. Go to gov.uk, search register to vote, fill in your details, and you are done. But it takes around six weeks to show on your credit file. So if you are planning to buy in the next few months, do it today. Not next week.Today.

Being registered can open up lenders you would otherwise be excluded from entirely. Lenders with better rates and higher income multiples. That five-minute task is one of the most valuable things you can do before you apply.

💬 Comment "first time buyer" and we'll send you our free first-time buyer guide.

Your home may be repossessed if you don't keep up repayments on your mortgage.
Knox Mortgages is a trading style of Fort Advice Bureau which is authorised and regulated by the FCA for Mortgage and Protection business. FRN: 972730.

01/06/2026

THE STAMP DUTY TRAP FIRST-TIME BUYERS MISS 🏡💸

There’s a stamp duty threshold that catches almost every first-time buyer off guard.

Most people don’t realise this — but first-time buyers get a nil-rate band, meaning you pay no stamp duty up to a certain price.

The problem?
The second you go over that threshold, you start paying tax on the amount above it — and even going a few thousand over can cost you thousands extra.

That’s money not going into your home… it’s going straight to the taxman.

If your budget is close to the threshold, staying under it — or negotiating hard — could save you a serious amount.

A good broker should be guiding you on this from the start.

👉 Comment FIRST TIME BUYER and we’ll send you our FREE guide to help you avoid costly mistakes like this.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Knox Mortgages is a trading style of Fort Advice Bureau Limited, regulated and authorised by the FCA to conduct Mortgage and Protection business FRN: 972730.

💡 How Do You Know You’re Getting the Best Mortgage Deal? 💡Finding the most suitable mortgage deal can feel overwhelming,...
28/05/2026

💡 How Do You Know You’re Getting the Best Mortgage Deal? 💡

Finding the most suitable mortgage deal can feel overwhelming, but here are some tips to help you feel confident in your choice:

✅ Compare Lenders: Rates and terms vary between lenders, so it’s important to explore all options.
✅ Understand Your Circumstances: Your income, outgoings, credit score, and deposit size all impact what’s best for you.
✅ Use a Mortgage Broker: Brokers have access to exclusive deals and can match you with the right lender for your needs.

Skipping research or sticking with your current lender could mean missing out on savings. A broker can help ensure you’re not leaving money on the table!

💡 Want personalised advice? Follow us for more tips, or book a free initial Meeting today.

Access Our Free First-Time Buyer Guide
Start your homeownership journey with expert insights on getting your first mortgage, budgeting, and the home-buying process—all designed to support first-time buyers. Comment “FirstTimeBuyer” below, and we’ll DM you the guide directly.

Access Our Free Home Mover Guide
Planning your next move? Get valuable tips on selling, buying, and securing a mortgage for your new home—all tailored for home movers. Comment “HomeMover” below, and we’ll DM you the guide directly.



Your home may be repossessed if you don't keep up repayments on your mortgage.

Knox Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

26/05/2026

The budget you are searching on Rightmove is probably wrong.

Most first-time buyers Google how much they can borrow, use an online calculator, and start searching at that number. Those calculators are generic. They use 4.5 times your salary and do not account for your actual debts, your profession, or which lenders would genuinely consider you.

You could be searching well below what you can actually afford. Or at a number no lender would realistically approve. Both waste your time.

You can fix this in one afternoon. Speak to a broker, get an agreement in principle, and you will know your actual budget. Not a guess.

A real number backed by a real lender. Then go on Rightmove. Search with confidence. And stop falling in love with properties you cannot have or ignoring ones you can.

💬 Comment "first time buyer" and we'll send you our free first-time buyer guide.

Your home may be repossessed if you don't keep up repayments on your mortgage.
Knox Mortgages is a trading style of Fort Advice Bureau which is authorised and regulated by the FCA for Mortgage and Protection business. FRN: 972730.

21/05/2026

Halifax just launched a mortgage where your deposit is £5,000. Not 5%. Five grand total.

From the 18th of May, Halifax is letting first-time buyers in with a flat £5,000 deposit. Not 5% of the property value. A flat five grand. It's a 5-year fixed rate at 5.89%.

The property has to be worth between £102,000 and £300,000. It has to be your only home. The deposit has to be your own savings, not gifted. New builds and shared ownership are out.

Here's why this matters. A 5% deposit on a £250,000 flat is £12,500. This product lets you in for £5,000. For some buyers in Manchester right now, that's two years of saving cut off your timeline.

Yes, the rate is higher than a 90% mortgage. But the maths often still favours moving now versus paying rent for another 24 months. Get the numbers run properly before you assume you don't qualify.

💬 Comment "first time buyer" and we'll send you our free guide.

Your home may be repossessed if you don't keep up repayments on your mortgage.
Knox Mortgages is a trading style of Fort Advice Bureau which is authorised and regulated by the FCA for Mortgage and Protection business. FRN: 972730.

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