Dom Negrin Mortgage & Protection Broker

11/06/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry. It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

05/06/2026

Could Your Family Be Left Unprotected by a Common Insurance Misconception?

Many people believe that if they have Terminal illness Cover, they are also protected for a critical illness diagnosis.

Unfortunately, this isn't the case.

We've recently spoken to clients who were surprised to learn that:

• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.

• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, multiple sclerosis, or other conditions listed in the policy.

• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.

Why this matters

Imagine being diagnosed with a serious illness and facing:

✅ 💷 Loss of income
✅ 🏠 Mortgage or rent payments
✅ 👶Household bills and childcare costs
✅ 🚗🏥Additional medical or travel expenses

Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.

Three questions to ask yourself:

- If I couldn't work for 12 months due to a serious illness, how would I pay my bills?

- Does my current policy include Critical Illness Cover or only Terminal Illness Cover?

- Do I know what my policy actually covers?

Many policyholders haven't reviewed their protection arrangements in years and may not know exactly what they are covered for.

I'm offering a complimentary protection review to help you understand your existing cover, identify any gaps, and ensure your family is properly protected.

👉📞Reply to this post or contact me on 07303130811 to arrange your review.

04/06/2026

🏚️ Looking to refurbish a Buy to Let property?

Some lenders offer refurb-to-let options that are designed for experienced landlords looking to update or improve investment properties and add value, with flexible options available and the ability to apply for a follow-on ‘standard’ Buy to Let product rate afterwards 👇

I work with lenders who allow:

✔ Up to 6 months available for refurbishment works
✔ Option to secure a longer term fixed rate afterwards
✔ No exit fees or early repayment charges
✔ Faster legal process with Title Insurance available

This can also support:

🏠 Converting a standard property into an HMO (up to 6 occupants)

One of the biggest advantages?

Your refurbishment and Buy to Let applications can be reviewed together by the same underwriter — helping create a smoother process, quicker turnaround times and a clear exit strategy from the outset 💡

📩 Message me to discuss your refurbishment plans and available options.



Subject to full mortgage application and product range.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

29/05/2026

🏡 Struggling to buy a home and need help from Mum & Dad?

A Joint Borrower Sole Proprietor mortgage could help you get onto the property ladder 👇

This allows parents or close family members to support the mortgage application using their income, helping boost affordability, without being named on the property deeds.

One of the biggest challenges with these mortgages is that many lenders cap the mortgage term based on the oldest applicant’s age, which can increase monthly payments as your mortgage term is short.

But some lenders take a different approach 👀

✔ They can assess the term using the younger applicant’s age
✔ Lending may be available up to age 80
✔ Some lenders even have no maximum age limit

This could mean lower monthly payments and more borrowing potential...

📩 Message me to see what options may be available to you.



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances

22/05/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up?

Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

15/05/2026

🏡 A shift in the mortgage world…

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.

Now, another lender has stepped things up.

It’s now possible in some cases to borrow up to 6x your income (subject to criteria), whether you’re:

✨ Buying your first home
✨ Moving up the ladder
✨ Remortgaging

For many, that could mean:

✔️ Access to a bigger home
✔️ Moving sooner than expected
✔️ More flexibility with your options

Things are changing, and it’s opening new doors.

Curious what this could mean for you?

📩 Send me a message if you want more information.



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

14/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

There is a lender shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:

• Up to 98% LTV (just £5k minimum deposit)
• Available on homes up to £300,000
• 5-year fixed rate with NO product fees
• Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.

We have access to this deal, so drop us a message! 👇



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

01/05/2026

23/04/2026

Self-Employed? What Happens If You Can’t Work? 🤔💷

Are you a self-employed manual worker putting in at least 16 hours a week? 👷‍♂️💼

If you were off sick, would you still have money coming in? 🤔💷

And be honest, do you actually have time (or patience) to go through a long medical questionnaire? ⏳📋

If this sounds like you, there may be simpler and quicker ways to protect your income without the hassle 🙌

👉 Please get in touch to explore your options.

22/04/2026

Renting rules are changing… what does this mean for you? 🏡

From 1 May 2026, the Renters’ Rights Act will bring in some important changes:

🔑 Removal of ‘no fault’ evictions: Landlords will need a valid reason to end a tenancy
📄 More flexible tenancies: No more being locked into long fixed terms
📅 Rent can only be increased once a year
⚖️ Tenants can challenge unfair rent increases
💷 Large upfront rent payments will be banned

So what does this mean for you?

For landlords with mortgages:

👉 Beyond just the rules, this is likely to shift how you as a landlord approach your properties.

You may:

• Review whether your current mortgage is still competitive
• Look at raising funds for improvements to increase rental appeal
• Reassess profitability and consider selling
• Restructure portfolios or reduce the number of properties you hold

👉 If you’re a landlord, now is a good time to step back and look at your overall strategy, and make sure your mortgage is working for you, not against you.

For renters & first-time buyers:

👉 For some, this may make renting more stable. For others, it might be the nudge to explore buying instead.

That’s where I come in.

I help you understand your options, whether it’s getting onto the property ladder, reviewing your current mortgage, or planning your next move with confidence.

If you’re unsure how these changes affect you, just drop me a message 📩



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.