What are the opening hours?

Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm Saturday 10am - 3pm

Newell Mortgage Services Ltd

Home
United Kingdom
Milton Keynes
Newell Mortgage Services Ltd

Call Directions Website Contact the business

Newell Mortgage Services: Your trusted partner for mortgages and protection. First-time buyer, remortgaging, or buy-to-let, we're here to guide you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

29/10/2026

🏡 A smaller deposit, new support for first-time buyers and changes for landlords. What could the Budget mean for your next move?

Swipe through the headlines, then read on for the details behind them 👇

🔑 Your First Home
The new scheme is aimed at eligible first-time buyers purchasing new-build homes in England, with deposits from 2.5%, a 20% government equity loan and a repayment mortgage for the balance.

For a £300,000 purchase, that could mean a £7,500 deposit, £60,000 equity loan and £232,500 mortgage. Buying costs would be extra, and affordability and credit checks still apply.

The important detail? The equity loan is borrowing, not a gift. It is interest-free for five years, with interest of 1.5% in year six and 3% from year seven. Interest payments do not reduce the loan. The amount repayable is linked to the property’s value, so it can rise or fall.

Income limits, local property price caps and other eligibility rules apply. Applications are expected from February 2027.

💷 Stamp duty
First-time buyer relief remains unchanged in England and Northern Ireland. Eligible buyers pay no SDLT on the first £300,000 of purchases costing up to £500,000. Above £500,000, this relief is unavailable. Your solicitor can confirm your liability.

💰 Saving towards your first home
The announced Lifetime ISA withdrawal charge reduces from 25% to 20% for first-home purchases above the £450,000 property cap. Other unauthorised withdrawals still attract a 25% charge. A new First Time Buyer ISA is planned from April 2029 for new savers. Check the rules with your provider before withdrawing funds.

🏘️ Landlords
From April 2027, announced property income tax rates for individuals are 24%, 44% and 49% in England, Wales and Northern Ireland, subject to legislation. Company taxation differs. Speak to a qualified tax adviser about your circumstances.

⚡ Household bills
A £100 energy payment is planned from January 2027 for eligible households in England in council tax bands A to D. The electricity VAT cut is also extended to July 2027.

📊 Mortgage rates
The Budget does not set your mortgage rate. Lenders determine their pricing, and announcements do not guarantee rates will move in either direction.

Thinking about buying, moving or remortgaging? **Comment HOME** and we’ll get in touch to discuss your mortgage options. Please keep personal financial details out of the comments.

📞 01908 067310
📧 [email protected]

Newell Mortgage Services
We make mortgages human again!

Sources:
https://www.gov.uk/government/publications/budget-2026-document/budget-2026-html
https://www.gov.uk/government/publications/your-first-home/your-first-home
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates

Information checked on 29 October 2026. Further guidance and final scheme terms may affect the details. General information only, not a personal recommendation or tax, investment or legal advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

14/09/2026

Planning to move home? Have you estimated how selling costs could affect the funds available for your next purchase?

Estimated equity is generally based on the expected sale price, less your outstanding mortgage and the costs linked to selling.

🔹 Outstanding mortgage balance

🔹 Any early repayment charge or exit fee, depending on your mortgage terms

🔹 Estate agent and legal fees

🔹 Surveys, removals and other moving costs

🔹 Any applicable property taxes or charges

The remaining amount may contribute towards your next deposit and moving costs. However, figures are estimates and should be reviewed carefully. Any calculator figures are for guidance only.

Potential borrowing depends on your income, expenditure, financial commitments, circumstances, credit history and lender criteria. We can provide tailored mortgage and protection advice and help you review suitable options through our lender panel.

We do not provide tax or legal advice. You should seek advice from an appropriately qualified professional where required.

To discuss your circumstances, visit: https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

Newell Mortgage Services Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA No. 989811.

07/08/2026

Are you trying to work out your budget for moving home?

Understanding your potential equity and the costs involved is an important first step when planning your next move. Some of the key financial considerations include:

🏡 Estimating the equity available from the sale of your current property, after repaying the outstanding mortgage and any applicable charges.

💷 Allowing for costs such as estate agent fees, legal fees, property taxes and removal expenses.

📋 Reviewing your potential borrowing based on your income, commitments, circumstances and the lender’s affordability criteria.

We have a handy cost-of-moving calculator that can help you estimate some of the figures involved. The results are for guidance only, and your actual costs may differ.

Get in touch if you would like a copy of the calculator or would like help reviewing your mortgage options.

Please note that we provide mortgage and protection advice but do not provide tax or legal advice. You should seek advice from a suitably qualified professional where required.

Start your journey here:

https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

05/08/2026

Are you planning a home move and wondering what happens to your current mortgage?

One of the key choices is whether to port your existing mortgage or apply for a new deal.

🏡 Porting may allow you to retain your current product and rate, subject to affordability, lender criteria and full underwriting.

🔀 Starting fresh means exploring available products. This may suit if circumstances changed, though early repayment charges could apply.

💷 Need to borrow more? Lenders may allow additional borrowing alongside the ported amount, subject to criteria.

The most suitable option depends on your circumstances and current mortgage terms. We provide tailored advice to help you decide.

Get in touch:

https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

03/08/2026

Are you thinking about taking the next step in your property journey?

Moving home is an exciting milestone, but preparing early can help make the process feel smoother and more manageable.

Today, we are launching our brand-new four-week Home Mover Series, designed to help you understand some of the key stages involved in moving home, including:

🏡 Setting realistic expectations and timescales

💷 Understanding your potential borrowing and the costs involved

🔍 Exploring mortgage options based on your circumstances and plans

🤝 Receiving professional support throughout your mortgage journey

The mortgage products available to you will depend on your individual circumstances, eligibility and the lender’s criteria.

If you are considering moving home, get in touch with our team to discuss your plans and explore your options:

https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

29/07/2026

🏡 Think buying a home is impossible because you don't have a deposit?

For many people, saving a deposit is the biggest barrier to homeownership. The good news is that, depending on your circumstances, there may be alternative options available.

Through our comprehensive lender panel, we have access to solutions that can allow eligible buyers to purchase a home with no cash deposit, using support from a close family member instead.

This could be suitable if you:

✅ Are a first-time buyer.

✅ Are starting again following a change in circumstances.

✅ Can comfortably afford the monthly repayments but haven't yet been able to save a deposit.

Every lender has different criteria, so obtaining professional advice is essential. We'll take the time to understand your circumstances, explain how these schemes work, and recommend the most suitable solution available to you.

If you'd like to find out whether this could be an option, we'd be delighted to help.

📞 01908 067310

📧 [email protected]

🌐 https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/07/2026

Are you self-employed and waiting for three years of accounts to apply for a mortgage?

Many business owners believe a long trading history is essential to step onto the property ladder. However, this is not always the case. At Newell Mortgage Services, we identify suitable options for those who may have been trading for a shorter period.

Key facts about the one-year trading myth:

• Certain lenders specialise in self-employed applicants with just 12 months of accounts.
• Borrowing potential is often assessed on your most recent year of trading.
• We aim to help you navigate criteria to find the most suitable product.
• One year of accounts could be enough, subject to lender criteria.

Our team provides tailored advice to help guide you through the process and review appropriate products.

To discuss your circumstances, get in touch via our enquiry form: https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

20/07/2026

Working in the trades and planning your next move?

Many workers under the Construction Industry Scheme (CIS) believe they need two or three years of full accounts to apply for a mortgage. However, this isn't always the case.

We understand the industry and can help review suitable options that recognize your income structure. Depending on the lender, your application could be assessed differently:

* Some lenders may calculate borrowing based on your gross day rate.
* Gross income from CIS vouchers could potentially be used for affordability.
* Options might be available even with a shorter self-employed history.

All mortgage offers are subject to lender criteria and affordability assessments. Our team provides tailored guidance to help identify appropriate products for your circumstances. We aim to help keep the process coordinated while you focus on your work.

To discuss your borrowing potential, get in touch with us today.

Start your enquiry here: https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

17/07/2026

Are you a sole trader wondering how your income is assessed for a mortgage? Lenders focus on specific figures when you are self-employed. While turnover shows business scale, lenders are primarily interested in your net profit.

Here is how the assessment process typically works:

🌟 Net Profit: Lenders usually look at profit remaining after business expenses.

🌟 Averages: Most providers may base assessments on the average of your last two years of net profit.

🌟 Recent Growth: If earnings have increased, some lenders could potentially use the most recent year, subject to criteria.

🌟 Financial Evidence: We help you gather documents like SA302s to present a clear picture.

Our team aims to help guide you through the process, reviewing suitable options tailored to your situation. For a tailored review, get in touch or complete our enquiry form: https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/07/2026

How do lenders assess your income as a Limited Company Director? Lenders use varying methods to calculate borrowing potential, which may significantly impact your mortgage options. Understanding these differences is key to identifying the most suitable products.

* Salary & Dividends: Many lenders review your combined personal income from the last two tax years.
* Salary and Share of Net Profit: Some providers may consider your share of business net profit, with assessment (before or after tax) being lender-dependent.
* Documentation: Lenders typically require SA302s and Tax Year Overviews for verification.
* Tailored Solutions: Borrowing limits vary across our panel based on your specific financial structure.

Our team provides expert guidance to help identify the most appropriate option for your unique circumstances. We aim to help guide you through the process for a coordinated experience.

Review suitable options by completing our enquiry form:
https://www.newellmortgageservices.co.uk/submit-enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Milton Keynes

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	10am - 3pm

Telephone

+447708032443

Website

https://www.newellmortgageservices.co.uk/

Alerts

Be the first to know and let us send you an email when Newell Mortgage Services Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.