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Approved by The Openwork Partnership on 27/09/2026
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30/10/2026

Santander advert ~ Absolute marketing goals. 🤌🏻

But can this customer access this rate? That’s the real question here, and that’s when an adviser steps in.

Steps in to review all the factors that impacts your ability to access particular rates [it’s an exhaustive list, so we’ll give you a snippet]
💸 Deposit size
📕 Credit report [the detail behind the number]
🥸 Income

So if you’d to more about a rate that you’ve seen advertised, chat to Ginger.

Ginger Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 14/05/2026

28/10/2026

Welcome to the wonderful world of Ginger. 🧡

October felt like it kicked into gear; and what a whirlwind it’s been.

We’ve been [begrudgingly, sometimes ] doing more networking this month.
It’s easy to get stuck behind the lonely laptop in this self employed world; but actually [even Nic has to admit] that networking can be useful, and even good fun sometimes ~ especially when you win prizes.

Main point to learn with networking IMO ~ Not every event will be for you, so find the one that is.
Personally we love Business Buzz Bucks hosted by our friends at Secure Financial Planning; always has a good buzz [BADDA BOOM!] to it 🧡

And form networking great things can come.

Steve met the lovely Affinia at an event this month, and then we were given the opportunity to talk to the team about how we could support their clients with business protection needs.

And Business Protection kept us busy this month.

We met with a Ginger fave; Able Plumbing Milton Keynes to discuss employer perks for two new members of their team.

Keeping great people and reducing attrition is 🔑 to this business.

But we still love our mortgage customers. 👋

And contrary to what the headlines may have you thinking, we do have home movers here at Ginger.

* We just love gifting these JaaM bespoke candles.

Gotta get some personal wins in here too.

MK Dons 2 ~ Luton 1

So. Much. News.

Started off with [proposed] pension updates earlier this month, and where will it end?
Today is D Day. 📕

And we’re not just referring to Boelo here.

The news, as always of late, is a mixed bag full of propaganda.

Rates have been increasing.
The budget may be the reason for some people’s pausing.
Inflation isn’t where it should be.
The base rate may increase before the end of 2027.

But we are seeing people sell.
We are seeing people buy.

The budget seems to be getting the flack, but will we see any life changing proposals in relation to the housing market today? 🙃

If you’re a big pickles or Vinted fan [yes, we are; our fave hangout is the InPost lockers] then yes, it seems you will be in for a treat.

Last words from Ginge, stay positive. 🧡

27/10/2026

We love gherkins as much as the next 1980’s baby, whose Boxing Days heavily featured this cuisine.

But we are hoping for more tomorrow TBH. 🧡

23/10/2026

Mortgage rates move quickly ~ Rates can change. Lender criteria can change.

Life moves quickly ~ Whether you’re making an offer or your current fix is ending, procrastination leads to panicked rushes.

Momentum ~ When we have submitted a mortgage application , we need active engagement(!!)
The underwriter may want some more information, or the surveyor may have queries.

The only way is up ~ The longer you wait to get your life, critical illness, or income protection in place; the older you get—and premiums increase with every birthday.

It’s a journey ~ Unfortunately insurance policies are not always a yes, or a no ~ Sometimes clients might have a messy background story and so getting the right protection in place may take some time.

Life doesn’t pause while you’re busy ~ Sadly, self-explanatory on this one.

So don’t be a ghoul this Halloween. 👻

Ginger Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved By The Openwork Partnership on 11/09/2026

21/10/2026

The autumn budget 2026; the financial world’s equivalent to the Oasis 2026 ticket release.

The hype.

The speculation.

The nerves.

We have until the 28th October to discover the outcome on the budget.

~ This autumn budget seems to be getting a lot of attention, and association to pensive anxiety.

These are the current predictions, what’s your thoughts?

19/10/2026

mortgage broker \ ˈmȯr-gi-j ˈbrō-kər \ noun

1 a : A financial expert skilled in reviewing tax returns, credit scores, and mortgage rate comparisons. b : By extension: A temporary accountant tasked with making sense of bank statements.

2 : An empathetic listener who offers emotional guidance through the turbulence of home searches, offer rejections, and lender underwriting delays.

3 : A fierce advocate and confidant who supports you to get into your dream home.

Sound like a service you’d need – Click the link in our bio.

Ginger Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

06/10/2026

Waiting until you have fallen in love with a home, or put an offer in on your property is too late , and here’s why ~

💸 Income issues ~ Inconsistent bonuses, change of job, fixed term contract; none of these factors mean no they mean ‘we need to chat’.

😳 Credit surprises ~ Missed payments, late payments, default payments, non updated house address, various debts; none of these factors mean no they mean ‘we need to chat’.

If you want to look to move home in the next 6-12 months; it’s not too early.

Click the link in the bio to book a call.

Ginger Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 20/05/2026

02/10/2026

We all love a bed time story to unwind; but not sure this one is too relaxing. 👻

The rate increase, in this instance, cost our lovely customers £480 over a 2 year period [ on a £124,368k mortgage with a 32 year term] but if we play with the figures it could’ve meant this :

£200k mortgage ~ 32 year term = £648 difference over the 2 year period.

£300k mortgage ~ 32 year term = £936 difference over the 2 year period.

£400k mortgage ~ 32 year term = £1248 difference over the 2 year period.

Don’t put off your admin.
Don’t be the reading a thriller story.

Ginger Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/09/2026

29/09/2026

No hacks. No tricks. Just a potential saving.

On Saturday Mr Burnham introduced a new scheme for those who had ‘given up hope of ever having a home to call their own’

🚪Enter ‘Your first home’ scheme.

This new incentive could offer first time buyers to get on the property ladder with as little as a 2.5% deposit.

📰 Moneyfacts estimate on the basis of the average UK house price in the UK being £272,000 plus moving costs + legal fees ~ Totalling at £16,850 (!!)

Details to be confirmed in the budget next month however for now we know :

🥇 This is a first time buyers only incentive.

💰 Similar to the Help To Buy scheme, there will be an equity loan available on this scheme which will have an initial interest free period.

🎩 There will be a household cap on this scheme, details to be outlined.

🏠 There will also be a local property cap on the house value, again, details yet to be confirmed.

This is a really exciting step forward in the government following up on helping first time buyers, and young families who they said are in need of help; actually getting that said help.

🧡 Follow for more updates

24/09/2026

Don’t run a mile when you get a sniff of what you think is not the ‘best rate’ ~ We’re working with you here but there is a method to the perceived madness.

We can come up against this; a customer see’s a new rate appear and challenges why they aren’t being provided with this rate [we love a challenge by the way] but there’s just more to it than the initial mortgage interest rate.
Here is a breakdown of how mortgage advisers source and compare deals:
1. Total Cost Over Fixed Period
Many advisers use specialised software to calculate the true cost of a deal over the initial fixed term (e.g., 2 or 5 years). This approach is often considered superior to just looking at interest rates because it factors in: [1, 2, 3]
Lender product fees (arrangement fees) ~ Which can be high.
Cashback provided by the lender ~ Which ‘reduces’ the cost.
🗝️ A deal with a lower interest rate may actually be more expensive overall.
Ginger Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 23/06/2026

Address

548-550 Elder House
Milton Keynes
MK91LR

Telephone

+447469808180

Website

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