Yogesh Maisuria - Mortgage Broker

05/10/2026

🏦 Direct Lender vs Mortgage Broker – Which Is Best For You?



When it comes to getting a mortgage, you’ve got two main choices:

1️⃣ Go directly to a lender (like a bank or building society).
2️⃣ Use a mortgage broker (like me).



Here’s the difference 👇



✨ Going Direct to a Lender
✅ You deal with them one-to-one.
✅ They’ll explain their own products in detail.
❌ You only see their products – not the wider market.
❌ If they decline you, you’re back to square one.



✨ Using a Mortgage Broker
✅ We search multiple lenders to find the right deal for you based on your individual needs and circumstances
✅ We know lender criteria inside out, saving you hours of research.
✅ We can often access deals not available directly.
✅ We support you through the whole journey (not just the application).
✅ I personally will keep an eye out on the market so if there’s a better deal after the application with the same lender, I can look to switch the deal to the better one, ensuring you’ve got the best deal



💡 What this means to you is:

✅ Safe time

✅ Reduce stress

✅ Improve your chance of getting the right mortgage first time around

✅ Save money



Think of us as your personal shopper for mortgages – but with less walking and more saving.



At the end of the day, it’s all about what’s best for YOU. But if you value choice, guidance, and someone in your corner, a broker can make all the difference.

25/09/2026

Teachers, Teaching Assistants, Lecturers & Education Professionals 🏡📚✨

Thinking about moving home this academic year? 🏠🎓

There are specialist mortgage options available for eligible education professionals that could potentially allow you to borrow more than you may expect. 💡💷

If you’re a teacher, teaching assistant, lecturer or work in another eligible education role, get in touch and I can look at what options may be available to you.

30/08/2026

17/03/2026

Did you know… you could get a bigger mortgage WITHOUT buying with someone else?

It’s called a Joint Borrower, Sole Proprietor (JBSP) mortgage 👇

This is where:

👉 A family member (usually parents) helps you boost affordability
👉 BUT… they are NOT on the property deeds
👉 Meaning you own 100% of the property

Why do people use this?

✔️ First-time buyers struggling with affordability
✔️ Trying to borrow more based on income
✔️ Wanting help from family without giving up ownership
✔️ Avoiding additional stamp duty for the helper

Things to be aware of:

– The other person is still liable for the mortgage
– Their income and commitments are assessed
– It can impact their future borrowing
– Not all lenders offer this

Simple example:

You earn £30k
On your own, you might borrow ~£135k
Add a parent earning £40k…
Now your borrowing power could increase significantly

This can be the difference between “Still renting” vs “Getting on the ladder”

If you're stuck thinking “I can’t afford to buy yet”…

You might be closer than you think.

09/03/2026

🏡 3 Things That Could Stop You Getting a Mortgage (And How To Improve Your Chances)

If you're planning to buy a home or remortgage, there are a few key things lenders will look at before approving your mortgage.

Here are three of the biggest factors — starting with the most important.

1️⃣ Affordability

Lenders need to make sure you can comfortably afford the mortgage.

They don’t just check affordability at today’s interest rate. They also stress test it at a higher rate to make sure you could still manage if rates increased.

They’ll look closely at:
• Your income
• Your spending
• Any loans, credit cards or other commitments

Top tips to improve affordability:
✔ Keep bank statements simple and easy to understand
✔ Avoid unnecessary subscriptions or payments
✔ Try not to move money between lots of accounts
✔ Some lenders can go up to 7x your income, depending on circumstances

2️⃣ Your Credit History

Your credit file tells lenders how well you’ve managed borrowing in the past.
They will look for things such as:

• Missed payments
• Defaults
• CCJs
• Credit card balances

But having adverse credit doesn’t always mean you can’t get a mortgage — it just means finding the right lender is even more important.

Top tips:
✔ Make sure all payments are up to date months before applying
✔ Check your credit report early

You can check your file using:
• Equifax
• Experian
• CheckMyFile (my personal favourite)

3️⃣ The Property Itself

Sometimes it’s not the buyer — it’s the property that lenders don’t like.

Examples include:
• Leasehold properties with short lease terms
• High ground rent or service charges
• Flats above shops, restaurants or takeaways
• Non-standard construction
• Missing or expired EPC certificates
• Restrictions in the property title

These can affect how easy the property is to sell in the future, which lenders care about.

💡 Final Tip

Lenders assess your income, spending, credit history AND the property together.

Getting declined by one lender doesn’t necessarily mean another won’t accept you — but repeatedly applying can damage your credit score.

The best thing to do is speak to a mortgage broker early and get mortgage ready.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

18/12/2025

📉 Bank of England Base Rate DROPPED today – what does this actually mean for you?

The Bank of England has just cut the base rate to 3.75%, and while the headlines sound exciting, here’s what it really means in real life 👇

🏡 If you’re buying a home

- Mortgage rates may start to ease

- Your borrowing power could improve

- Monthly payments could be lower than they were a few months ago

➡️ This can make getting on the ladder feel a bit more achievable

🔁 If you’re remortgaging

- Lenders may become more competitive

- Fixed rates could start to come down

- You might be able to secure a better deal than what’s currently on offer

💡 Important reality check

This doesn’t mean rates drop overnight or that every mortgage suddenly gets cheaper. Lenders move at different speeds, and the right deal depends on:

✔️ Your income

✔️ Your credit history

✔️ Your deposit / equity

✔️ Your future plans

📌 The smart move right now

Get advice early. The people who benefit most from rate changes are the ones who plan ahead – not the ones who wait for the headlines.

If you’re buying, moving, or your current deal ends in the next 6–12 months, now’s a good time to review your options.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

16/12/2025

📣 Calling all Teachers & Education Professionals! 🍎📚

Struggling with how much you can borrow for your home? This might be a game-changer 👇

You can now get up to 7 x income mortgages for teachers and people working in education (subject to criteria and full affordability checks).

✨ What does that actually mean?

👉 Buying on your own?
• Salary: £33,000
• Borrow up to £196,400

👉 Buying with a partner?
• Both earning £33,000
• Borrow up to £412,200

👩‍🏫 Who’s eligible?
This isn’t just for teachers. It also applies to:
• Teaching assistants
• Nursery workers
• Headteachers
• Supply & contract teachers
• Lecturers

💡 Buying with a partner?
Only one of you needs to work in education to qualify.

🏡 Up to 95% loan to value available
✔ First-time buyers
✔ Home movers
✔ Remortgages

If you work in education and thought home ownership was just out of reach… it might be closer than you think.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

10/11/2025

🏠 Do You Know Your Mortgage Options?

When it comes to choosing a mortgage, there’s no “one-size-fits-all” — and understanding your options could save you thousands over the life of your loan. Here’s a quick breakdown 👇

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💡 Fixed vs Variable Rate
• Fixed Rate: Your payments stay the same for the set term — no surprises if rates rise.
✅ Good for budgeting and peace of mind.
❌ You might miss out if rates drop.
• Variable (Tracker/Discount) Rate: Moves with the lender’s or Bank of England’s base rate.
✅ Potential to pay less if rates fall.
❌ Your payments can increase if rates rise.

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📅 2, 3, 5, 7, or 10-Year Deals
• Shorter terms (2–3 years):
✅ Flexibility if your circumstances may change soon.
❌ You’ll likely need to remortgage more often.
• Longer terms (5–10 years):
✅ Stability and rate protection for longer.
❌ Less flexibility and higher early repayment charges if you switch early.

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💷 Interest Only vs Repayment
• Interest Only: You only pay the interest each month.
✅ Lower monthly payments.
❌ You’ll still owe the full loan amount at the end, so you need a solid repayment plan.
• Repayment: You pay interest and capital.
✅ You’re steadily reducing your debt and will own your home at the end of the term.
❌ Higher monthly payments compared to interest-only.

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⏳ Short vs Longer Term Mortgages
• Shorter term: Higher monthly payments but less total interest.
• Longer term: Lower monthly payments but more total interest over time.
💬 What this means to you is — choosing the right structure could help you balance affordability now with financial freedom later.

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💰 Arrangement Fees vs No Fees
• With Fees: Sometimes offers lower interest rates.
• No Fees: Easier upfront but may have slightly higher rates.
👉 It’s about finding the sweet spot between upfront cost and long-term savings.
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✨ Every borrower’s needs are different — the best deal depends on your goals, income, and future plans.
📋 Subject to personal circumstances and lender eligibility.

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⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

03/11/2025

🎯 INTEREST ONLY MORTGAGES – COULD THIS WORK FOR FIRST TIME BUYERS? 🏡

Most first-time buyers think they have to choose a repayment mortgage... but here’s a little-known option that might make buying your first home more affordable 👀👇

💡 Interest Only Mortgage – you only pay the interest each month (not the capital), and the loan is repaid later — often by selling the property.

✨ Here’s why it could help:

✅ Lower monthly payments = easier affordability

✅ More flexibility on how you repay

✅ Keeps more 💷 in your pocket for home improvements or moving costs

💬 What this means to you is:
If affordability’s been holding you back, this could be your key to getting on the property ladder sooner than you think 🏠

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⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
💡 You may have to pay an early repayment charge to your existing lender if you remortgage.
💬 There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
📋 All mortgages are subject to personal circumstances and eligibility.