Mary Balanda Just Mortgages

20/05/2026

30/04/2026

03/02/2026

🚨 MEGA NEWS for First Time Buyers! 🚨
This is a BIG one 🏡✨

On Tuesday 3rd February, a brand-new mortgage product is launching — and it’s a game changer for people buying their first home.

👉 My First Mortgage – up to 98% LTV!

What does this mean for you?
✅ Deposit from just £10,000
✅ Get on the property ladder sooner
✅ Gifted deposits accepted💛
✅ 5-year fixed rate
✅ Mortgage term up to 40 years

🔑 Key criteria:
• First Time Buyers only (including joint applications)
• Maximum 98% LTV
• Minimum deposit £10,000
• Maximum loan £500,000
• Repayment mortgage only

⚠️ Please note:
• No flats, new builds or properties in Northern Ireland
• Self-employed applicants and Shared Ownership not available at this time

💬 If you thought buying your first home was out of reach — this could be your opportunity.

18/12/2025

25/11/2025

Here are 5 simple things to do first-so you’re ready, confident, and ahead of the crowd!
✅ 1. Check your credit
Go to Experian or ClearScore—see what lenders see.
Fix errors, get on the electoral roll, and try to improve your score gradually.

✅ 2. Know how much you really need It’s not just the deposit! Add:
→ Stamp duty (first-timers get a discount!)
→ Solicitor, survey, moving costs
→ A few months’ mortgage as a safety buffer 💷

✅ 3. Get properly pre-approved
An “AIP” (Agreement in Principle) is a start—but full pre-approval (with documents checked) makes your offer stronger.

✅ 4. Be honest about your spending
Lenders look at everything-subscriptions, shopping, gym, childcare.
Run a quick budget test: Could you still pay your mortgage if rates went up?

✅ 5. Ask: “Is there help for people like me?”
- First-time buyer? → Lifetime ISA (£1k bonus/year!)
- Key worker or under 40? → First Homes (discounted new builds)
-Lower deposit? → Shared Ownership could be an option

20/11/2025

🎄 35 days to Christmas

As the year winds down, I’m truly grateful to everyone who’s trusted me to help them on their home journey this year — whether you’re buying your first flat, remortgaging after a family grew, or simply seeking peace of mind in uncertain times. 🏡

Home is more than bricks and rates.
It’s stability. Security. A safe place to gather, rest, and dream.

✅ Lock in today’s best fixed rates for a 2026 completion
✅ Avoid January 2026 rush (and potential rate hikes 📈)
✅ Get your application through before lender processing slows over the holidays 🏖️

🔍 Why act now?
➡️ Some lenders offer rate holds for up to 6 months— secure a 2025 deal today,complete in Q1 2026!

➡️ Valuations & underwriting take longer in December & January — get ahead of the queue.
➡️ If your current deal ends early 2026, delaying could mean months on a high SVR. 💸

If you’re thinking about your next step in 2026— no rush, no pressure.

I’m here when you’re ready.

06/11/2025

📢 Bank of England holds the base rate at 4.0%! 🏦💷

No surprises this time — the BoE has decided to keep the rate steady at 4%, as markets anticipated.
Let’s see how lenders react in the coming days — could we see more rate reductions ahead? 👀📉

04/10/2025

💭 5 years ago feels like just after lockdowns — time really flies!

🏠 If you’ve been renting at £1,500 a month, that’s £90,000 paid out over the past 5 years.

💡 Imagine if that same £1,500 had been a mortgage payment at around 4.5% interest over 25 years…

💷 You’d have paid off roughly £43,000 of your own home by now — building real equity instead of paying it all in rent.

⏳ The last 5 years have flown by. The next 5 will too.

🏡 💬