Dom Negrin Mortgage & Protection Broker

05/11/2026

Governor Andrew Bailey says it shouldn't be seen as the first in an "inevitably long sequence of hikes" - but warns "neither does it seem likely to be the last", unless the Iran war is resolved.

31/10/2026

Amazing review from a lovely couple buying their first home in London. Really chuffed for them! Complicated case but we got there in the end!

A huge thank you from Dom and the Merrigan-Reis team for taking the time to write such a comprehensive review. Enjoy your new family home!

Have a great weekend everyone 🎃

"We had an excellent experience with Dom and the team throughout the whole process of arranging our mortgage.

Our application was not necessarily the most straightforward, with a few extra documents and requirements along the way, but Dom was always there to explain what was happening, chase things when needed and keep everything moving. He was responsive, patient and, most importantly, always very clear and honest with us.

There were a couple of moments when the process became stressful, particularly towards the final stages, and having Dom on our side made a real difference. He knew when to push, who to speak to and kept us updated until the mortgage offer was finally in our hands.

We’ve now completed on our new family home and are genuinely very grateful for all his help getting us there.

A huge thank you to Dom and the whole team, we would happily recommend them to anyone looking for a mortgage broker."

Google 29/10/2026 ⭐️⭐️⭐️⭐️⭐️

17/10/2026

🏡 A mortgage with NO monthly repayments? Yes, it's possible!

For high-net-worth individuals with significant assets or complex income, traditional mortgages aren't always the best fit.

A new specialist mortgage product has launched, offering borrowing of £1 million to £12.5 million, without the need to make regular monthly mortgage repayments.

💰 How does it work?

Rather than making monthly payments, the interest is added to the outstanding mortgage balance. The original loan and accumulated interest are then repaid at the end of the mortgage term.

Who could qualify?

✔️ Net annual income of at least £300,000 OR
✔️ Net assets of at least £3 million

Why might this be useful?

It could allow you to release funds without having to sell investments or other long-term assets, whether that's for property investment, business purposes or wider financial planning.

Available for both residential and Buy-to-Let properties in England and Wales.

⚠️ Interest accumulates over the term, increasing the amount owed. A suitable repayment strategy is essential, and lending is subject to eligibility and affordability assessments.

📩 Have significant assets but looking for a more flexible mortgage solution? Get in touch to explore your options.

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.

16/10/2026

“I don’t need insurance…” - Until you do.

It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t happen to me.”

And hopefully, it won’t. ❤️
But what if life had other plans?

🏡 Your mortgage still needs paying.
💷 Your bills don’t stop.
👨‍👩‍👧 Your family still needs supporting.
💰 And your savings? They could disappear quicker than you think.

Here’s the reality: £5.15 BILLION was paid out in individual life insurance, critical illness and income protection claims in the UK during 2025.

📈 97.9% of individual protection claims were paid in 2025.
That’s financial support reaching people when life didn’t go to plan.

So, here’s one question worth asking yourself:

If your income disappeared tomorrow, how long could you and your family manage financially? A week? A month? Six months?

If you’re not sure, isn’t it worth finding out before you need the answer?
You don’t need to have all the answers today. You just need to take the first step.

📩 Send me a message for a friendly chat about your options. Let’s see what you already have in place, identify any gaps and explore what you could do to protect your financial future.

Because the best time to think about protection is while you still have the choice.

10/10/2026

🏡 Could a 2.5% deposit be enough to buy your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:

🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

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.

09/10/2026

🏠 Your Mortgage Payment Has Increased. But What If Your Income Didn’t?

With mortgage payments putting more pressure on household budgets, it’s understandable that you might be thinking:
“I can’t afford to pay for protection right now.”

But there’s another question worth asking…
Could you afford to pay your mortgage if illness or injury stopped you working?

Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.

That’s why it’s worth considering:

💷 Income Protection – Could provide a regular income if illness or injury prevents you from working.
❤️ Critical Illness Cover – Could provide a lump sum following a qualifying critical illness.
👨‍👩‍👧 Life Cover – Could help your family financially if you die.

You don’t necessarily need to protect everything at once.

The right level of cover depends on your circumstances, budget and priorities.

If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.

👉Get in touch today. Let’s review your protection and find an option that fits your budget, so you can protect what matters most without adding unnecessary financial pressure.

07/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:

• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:

• Lenders that allow family members to boost your affordability with their income
• Lenders offering stronger income multiples, which could increase how much you’re able to borrow
• More flexible approaches to different types of income
• Interest-only or part-and-part options where appropriate
• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬



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.

06/10/2026

🔍 When did you last check what other benefits come with your insurance?

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:

🩺 24/7 GP appointments
🏥 Hospital benefit – a payment if you’re admitted to hospital
🦴 Fracture cover – a lump-sum payment for certain fractures
🧠 Mental health support
💪 Health & wellbeing services
👨‍⚕️ Second medical opinions
💻 Remote medical consultations
👨‍👩‍👧 Support for your family
🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

27/09/2026

🏘️ A reminder for larger portfolio landlords…

Did you know that one of the UK’s leading specialist Buy to Let lenders has a dedicated proposition for landlords with larger portfolios, with access to very competitive rates?

If you have 11 or more mortgaged Buy to Let properties, it could be well worth exploring.

The proposition includes:

🏠 No limit on the number of properties in your portfolio
💷 Up to £10 million total borrowing exposure
📉 Access to competitive Buy to Let rates
🔑 Options for standard Buy to Let and HMOs
🔄 Available for purchases and remortgages

Having a larger portfolio doesn’t necessarily mean compromising on rate or lender choice.

If you’re looking to purchase your next investment, refinance existing properties or simply review your portfolio, get in touch and I can look at the options available across the market.

📩 Drop me a message to arrange a review.



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.

24/09/2026

Could you cope if illness or injury stopped your income? 💷

Illness and injury can happen when you least expect them — and your bills won’t stop if your income does.

This short-term income protection plan is designed to provide quick, straightforward financial support when you need it most.

✅ Up to £2,250 per month if you're unable to work
✅ No medical underwriting
✅ No long wait for a pay out
✅ Lump sum payment for covered fractures 🦴
✅ Simple, accessible protection for life’s unexpected moments

You don’t have to suffer a serious illness for your finances to be affected. A broken bone, an accident or a temporary illness could mean time away from work and a loss of income.

This cover is designed to provide quick financial support when you need it most, helping you focus on your recovery rather than worrying about your bills.

Your income is one of your most valuable assets – is it protected?

👉 Get in touch today to find out how this simple protection could help safeguard your finances.