Dom Negrin Mortgage & Protection Broker

Dom Negrin Mortgage & Protection Broker Dom Negrin Mortgage & Protection Broker

🎒 Back to School. Back to Protection.September is a time for fresh starts, new routines and planning for the year ahead....
11/09/2026

🎒 Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

📞07303130811

Could buying a home be more achievable than you think? 🏡You might be surprised at what could be possible with today’s mo...
10/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000
🏦 Potential mortgage: £218,500
🏡 Property price: £230,000
🔑 Deposit: £11,500 (5%)
📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look. 📞 07303130811

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.



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.

Another great review by a very happy customer!
09/09/2026

Another great review by a very happy customer!

26/08/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

We like to start speaking to our clients around 6 months before their deal ends.

That gives us time to:

🔎 Review your current mortgage and circumstances

📊 Look at what's happening across the wider mortgage market

⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance

🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used us before?

That doesn't matter.

One meeting gives us the information we need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of our client bank, so going forward we'll be keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.
We get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send us a message and we'll make sure we're ready when the time comes.



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.

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?As summer starts to draw to a close, have those sunny da...
21/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩



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.

🩺 Critical Illness Cover vs Income Protection: What's the Difference?They both provide financial support when illness af...
20/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover

If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:

• Pay off or reduce your mortgage
• Cover household bills
• Make changes to your home
• Take time away from work
• Help with recovery costs

💼 Income Protection

If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:

• Mortgage or rent
• Household bills
• Everyday living costs
• Family commitments

Think of it this way:

🩺 Critical Illness Cover = A lump sum following a covered diagnosis.
💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to me for a protection review.

🏡 Buying a home? Don't forget these costs...Saving for your deposit is a huge milestone, but it's only one part of the b...
09/08/2026

🏡 Buying a home? Don't forget these costs...

Saving for your deposit is a huge milestone, but it's only one part of the budget when buying your home.

Before you get the keys, it's worth planning for a few other costs too, including:

✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I'm here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let's make sure you're fully prepared.



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.

🌿 August is National Wellness Month 🌿When we think about wellness we often think about eating well, staying active and l...
06/08/2026

🌿 August is National Wellness Month 🌿

When we think about wellness we often think about eating well, staying active and looking after our mental health. But there's another part of wellbeing that's often overlooked...

💙 Financial wellness.

No one expects to become seriously ill or be unable to work, but if the unexpected happened, would you have the financial support you need?

❤️ Life Cover can help protect the people you love.
🩺 Critical Illness Cover can provide financial support following the diagnosis of a covered serious illness.
💼 Income Protection can help replace part of your income if illness or injury means you can't work.

Looking after your wellbeing isn't just about living well today, it's about preparing for tomorrow too.

This National Wellness Month, make your financial wellbeing part of your self-care routine. 🌱

📞 Not sure if you have the right protection in place? Speak to us today for a no-obligation protection review and let's make sure you and your loved ones are prepared for whatever life brings.

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡With International Self-Care D...
24/07/2026

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡

With International Self-Care Day on 24th July, it's a great reminder that financial wellbeing is an important part of self-care.

For many aspiring homeowners, the biggest hurdle isn't the monthly mortgage payment - it's saving enough for a deposit.

The good news is that new mortgage options are becoming available to help more first-time buyers get onto the property ladder, including products that may offer:

🏡 Up to 98% loan-to-value
💷 Deposits from as little as £5,000
📈 Higher income multiples for eligible applicants
🤝 Free Standard valuation

Every lender has different criteria, and these products won't be suitable for everyone. That's why getting independent mortgage advice is so valuable. A broker can help you understand what's available and find a mortgage that's right for your circumstances.

📩 Drop me a message for information on the lender offering the above.



Subject to eligibility and full mortgage assessment.

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.

23/07/2026

Thanks for the review. Well done Dom and the Merrigan-Reis team 😊

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