Firstxtra Financial Services

28/08/2026

We couldn't not share this fantastic review 🤩

"Buying our first home felt really daunting, but Luke and Tizzy made the whole process so much simpler and far less stressful. They were brilliant at keeping communication fast, clear, and easy to understand every step of the way. They really took the time to find the perfect mortgage deal that suited our circumstances and needs perfectly. Nothing was ever too much trouble, and they always got back to us quickly whenever we had questions. We cannot thank them enough – we would highly recommend them to anyone looking for a mortgage! 💯🏡 thank you both very much John, Kirsty & kids"

24/08/2026

We made the local press again last week, if you didn't see it please take a look via the link here or you can find it on page 48 of last weeks Newbury Weekly News

https://www.newburytoday.co.uk/business/it-s-a-family-affiar-at-firstxtra-9478621/

18/08/2026

We made the local press again this week.

Founder’s grandson becomes third generation to join Newbury business.

Link to full story in comments 🔗

02/08/2026

31/07/2026

Even the dog's are loving our Reviews of the week 🐕💖

It's not surprising when every week we receive reviews like this one from Matthew who was a new client that had been recommended to us.

"Highly recommend! I had an excellent experience working with this financial advisor. They were extremely knowledgeable, responsive, and efficient throughout the entire process. Every question I had was answered clearly and thoroughly, making complex financial topics easy to understand. Their quick communication and informative guidance gave me confidence in every decision. I truly appreciated their professionalism, attention to detail, and commitment to helping me achieve my financial goals. I would highly recommend their services to anyone looking for a trustworthy and highly capable financial advisor."

Thanks Matthew 🥰

28/07/2026

🤔 Mortgage affordability not stacking up?

Have you been told "no" by one lender, or worked out a number online that just doesn't get you where you want to be? Don't stop there.

Here's the thing most people don't realise: there's no single "affordability figure." Each lender runs their own calculation, different income multiples, different stress tests, different views on bonuses/commission/overtime etc, self-employed income, or existing commitments.

📊 One lender might cap you at 4.5x your income.
📊 Another might stretch to 6.5x or more, depending on your profile.

The difference between those numbers can equate to tens of thousands of pounds of buying power using the exact same details.

That's the value of a broker: We know which lenders are suitable and more generous for your specific situation.

If your numbers aren't adding up with your bank, they might add up somewhere else. Let's take a look. 📞

Important information - Your property 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 upon your circumstances. The fee is up to 1%, but a typical fee is £499.

28/07/2026

🏠 BREAKING NEWS: Stamp duty is staying put, for now........

New PM Andy Burnham has just ruled out any changes to stamp duty in the autumn budget, telling reporters:

"I can say that quite clearly. That won't be happening."

This will come as a relief to anyone who's been sitting on a house move waiting to see which way the wind blows. There's been plenty of speculation in recent weeks about reform on this or even scrapping the tax altogether.

What this means for you:
✅ If you've paused a purchase waiting for a possible stamp duty change, there's now clarity — it isn't coming, at least not in this budget
✅ Buying, selling or re-mortgaging plans can move forward without that particular unknown hanging about
✅ Budget season can still bring surprises elsewhere so its worth keeping an eye on the detail come autumn

Thinking about your next move? Let's talk it through. 📞

Important information - Your property 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 upon your circumstances. The fee is up to 1%, but a typical fee is £499.

26/07/2026

🏡 Is it time to re-mortgage?

With UK inflation easing to 2.6% and the Bank of England's next base rate decision landing on 30 July, lots of homeowners are asking the same question: should I re-mortgage now, or wait?

Here's a few things to think about:

✅ Are you coming to the end of your fixed rate? If your deal ends in the next 6 months, it's worth reviewing your options now, rates can be secured in advance.

✅ Are you on your lender's standard variable rate? You could be paying more than you need to. A quick review could save you real money each month.

✅ Has your life changed since you last took out a mortgage? New job, extra income, home improvements, all of these could open up better options.

The mortgage market moves fast, and the right timing is different for everyone.

Our fantastic team can talk you through your options and whether sorting it now makes sense.

Important information - Your property 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 upon your circumstances. The fee is up to 1%, but a typical fee is £499.

24/07/2026

WOW 👀

This one deservedly takes this weeks review of the week title 💥

Another First Time buyer helped 🏡

"My husband and I have been working with John Murray and Chloe Wragg as we buy our first house. From the outset, communication was quick and clear, and John did an excellent job explaining our options and finding us a mortgage deal we could not have got on our own. From advising us on making an offer, to putting together reports for us even when on leave, John was incredibly helpful. Chloe's communication has also been excellent from the beginning of the process, and even after we had the mortgage offer, she has been able to check things with the bank on our behalf. We were glad to have recommendations and referrals for solicitors etc that we could trust. Their service has made the somewhat daunting experience of buying a house easy. We have been impressed and already recommended them to other friends thinking about buying."

Thanks so much Anna for leaving us this kind review 🥰