Kristen Loftus - Independent Mortgage Broker l Mortgage Sure LTD

10/06/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.

Email 
[email protected]

Phone / Whatsapp
07467026054

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.

04/06/2026

🏚️ Looking to refurbish a Buy to Let property?

Some lenders offer refurb-to-let options that are designed for experienced landlords looking to update or improve investment properties and add value, with flexible options available and the ability to apply for a follow-on ‘standard’ Buy to Let product rate afterwards 👇

I work with lenders who allow:

✔ Up to 6 months available for refurbishment works

✔ Option to secure a longer term fixed rate afterwards

✔ No exit fees or early repayment charges

✔ Faster legal process with Title Insurance available

This can also support:

🏠 Converting a standard property into an HMO (up to 6 occupants)

One of the biggest advantages?

Your refurbishment and Buy to Let applications can be reviewed together by the same underwriter — helping create a smoother process, quicker turnaround times and a clear exit strategy from the outset 💡

📩 Message me to discuss your refurbishment plans and available options.

Email
[email protected]

Phone / Whatsapp
07467026054

Subject to full mortgage application and product range.

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.

30/05/2026

I have the best clients ❤️

Beyond grateful to get this through the door from a client.

Thank you for letting me be apart of your journey and thank you for sending this beautiful gift ❤️

29/05/2026

28/05/2026

Struggling to buy a home and need help from Mum & Dad?

A Joint Borrower Sole Proprietor mortgage could help you get onto the property ladder 👇

This allows parents or close family members to support the mortgage application using their income, helping boost affordability, without being named on the property deeds.

One of the biggest challenges with these mortgages is that many lenders cap the mortgage term based on the oldest applicant’s age, which can increase monthly payments as your mortgage term is short.

But some lenders take a different approach 👀

✔ They can assess the term using the younger applicant’s age

✔ Lending may be available up to age 80

✔ Some lenders even have no maximum age limit

This could mean lower monthly payments and more borrowing potential...

📩 Message me to see what options may be available to you.

Email
[email protected]

Phone / Whatsapp
07467026054



Subject to full mortgage application and product range.

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.

22/05/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.

Email
[email protected]

Phone / Whatsapp
07467026054



Subject to full mortgage application and product range.

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.

17/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:

Up to 98% LTV (just £5k minimum deposit)

Available on homes up to £300,000

5-year fixed rate with NO product fees

Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.

We have access to this deal, so drop me a message! 👇

Email
[email protected]

Phone / Whatsapp
07467026054

HomeGoals

Subject to full mortgage application and product range.

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.

14/05/2026

🏡 A shift in the mortgage world…

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.

Now, another lender has stepped things up.

It’s now possible in some cases to borrow up to 6x your income (subject to criteria), whether you’re:

✨ Buying your first home

✨ Moving up the ladder

✨ Remortgaging

For many, that could mean:

✔️ Access to a bigger home

✔️ Moving sooner than expected

✔️ More flexibility with your options

Things are changing, and it’s opening new doors.

Curious what this could mean for you?

📩 Send me a message or comment “6x” and I’ll take a look.

Email
[email protected]

Phone / Whatsapp
07467026054

mortgageadvice propertyuk homebuying

Subject to full mortgage application and product range.

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.

12/05/2026

Today I’m at the Principality Stadium in the Presidents Suite meeting with lenders and keeping up to date with the latest criteria changes and market updates — all so I can continue giving the best possible advice and support to you, my clients. 🏉

The mortgage world is constantly changing, so days like today are really valuable for making sure I stay ahead of updates, policy changes and new opportunities that could benefit you.

Today I will hear from

Principality Intermediaries

Kensington Building Society

Pepper Money

Accord Mortgages

Hodge

Paragon

Mansfield Building Society

And also South Wales Police regarding cyber crime.

07/05/2026

Think bad credit means no mortgage? Not necessarily.

There are actually lots of lenders who will consider applicants with credit blips, it’s just about knowing where to look and how to present your case.

One lender I’m highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):

✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don’t always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV

This is exactly why speaking to a broker makes a difference, criteria like this isn’t always obvious if you’re going direct.

If you’ve been declined before, or you’re unsure where you stand, it’s worth having a conversation.

📩 Drop me a message, and I’ll give you a clear, honest view of what’s possible.

Email
[email protected]

Phone / Whatsapp
07467026054

Subject to full mortgage application and product range.

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.