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Charlene Powell Mortgage & Will Adviser

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United Kingdom
Newport (Casnewydd), Wales
Charlene Powell Mortgage & Will Adviser

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Whole of Market Mortgage & Will writing specialist. Specialising in First Time Buyers, remortgaging, debt consolidation, Buy to Let & LTD company lending.

Additionally protection advice, Will writing, estate planning, including power of attorney & trusts

21/10/2026

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳 Here are a few ways you could improve your credit score:
✅ Register on the electoral roll.
✅ Pay bills and credit repayments on time.
✅ Keep credit card balances low.
✅ Avoid making multiple credit applications in a short period.
✅ Check your credit report for any errors.

🏡 But what if your credit score still isn't quite high enough?
There's some good news!

I have access to a lender offering a specialist mortgage range called Reach, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

✨ Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

📩 Don't rule yourself out! Drop me a message and let's explore what's possible.

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

15/10/2026

I don’t need insurance…” - Until you do.

It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t happen to me.”
And hopefully, it won’t. ❤️
But what if life had other plans?

🏡 Your mortgage still needs paying.
💷 Your bills don’t stop.
👨‍👩‍👧 Your family still needs supporting.
💰 And your savings? They could disappear quicker than you think.

Here’s the reality: £5.15 BILLION was paid out in individual life insurance, critical illness and income protection claims in the UK during 2025.

📈 97.9% of individual protection claims were paid in 2025.
That’s financial support reaching people when life didn’t go to plan.

So, here’s one question worth asking yourself:
If your income disappeared tomorrow, how long could you and your family manage financially?
A week? A month? Six months?

If you’re not sure, isn’t it worth finding out before you need the answer?
You don’t need to have all the answers today. You just need to take the first step.

📩 Send me a message for a friendly chat about your options. Let’s see what you already have in place, identify any gaps and explore what you could do to protect your financial future.
Because the best time to think about protection is while you still have the choice.

08/10/2026

🏠 Your Mortgage Payment Has Increased. But What If Your Income Didn’t?

With mortgage payments putting more pressure on household budgets, it’s understandable that you might be thinking:
“I can’t afford to pay for protection right now.”

But there’s another question worth asking…
Could you afford to pay your mortgage if illness or injury stopped you working?

Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.

That’s why it’s worth considering:
💷 Income Protection – Could provide a regular income if illness or injury prevents you from working.
❤️ Critical Illness Cover – Could provide a lump sum following a qualifying critical illness.
👨‍👩‍👧 Life Cover – Could help your family financially if you die.

You don’t necessarily need to protect everything at once.

The right level of cover depends on your circumstances, budget and priorities.

If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.

👉Get in touch today. Let’s review your protection and find an option that fits your budget, so you can protect what matters most without adding unnecessary financial pressure.

01/10/2026

🔍 When did you last check what other benefits come with your insurance?

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:
🩺 24/7 GP appointments
🏥 Hospital benefit – a payment if you’re admitted to hospital
🦴 Fracture cover – a lump-sum payment for certain fractures
🧠 Mental health support
💪 Health & wellbeing services
👨‍⚕️ Second medical opinions
💻 Remote medical consultations
👨‍👩‍👧 Support for your family
🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

28/09/2026

Could you cope if illness or injury stopped your income? 💷

Illness and injury can happen when you least expect them — and your bills won’t stop if your income does.

This short-term income protection plan is designed to provide quick, straightforward financial support when you need it most.

✅ Up to £2,250 per month if you're unable to work
✅ No medical underwriting
✅ No long wait for a pay out
✅ Lump sum payment for covered fractures 🦴
✅ Simple, accessible protection for life’s unexpected moments

You don’t have to suffer a serious illness for your finances to be affected. A broken bone, an accident or a temporary illness could mean time away from work and a loss of income.

This cover is designed to provide quick financial support when you need it most, helping you focus on your recovery rather than worrying about your bills.

Your income is one of your most valuable assets – is it protected?

👉 Get in touch today to find out how this simple protection could help safeguard your finances.

16/09/2026

🏡 Could you buy a home with £0 deposit?

Saving a deposit is often one of the biggest barriers to buying a home — but there are more options out there than you might realise.

I’ve just started working with a mortgage lender offering 100% mortgages, meaning eligible buyers could purchase a home with no deposit at all. 🔑

And it’s not just for first-time buyers. Their mortgages are available for:
🏠 First-time buyers struggling to build a deposit
🔑 Home movers who may not have enough equity in their current property
👩‍🏫 Key workers, with enhanced affordability options available
🏗️ New-build properties, including some new-build flats

There are eligibility and affordability criteria to meet, so a 100% mortgage won’t be suitable or available for everyone. But if the deposit is the thing stopping you from buying or moving home, it could be worth finding out what your options actually are.

📩 Drop me a message if you’d like me to take a look at your circumstances.

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.

07/09/2026

🎒 Back to School. Back to Protection.
September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?
🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?
💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

30/08/2026

💡 Struggling to juggle credit cards, loans or store cards?
You’re not alone - and there may be a way to simplify things.

I have access to a lender that offers a debt consolidation mortgage option up to 80% loan to value, so only 20% equity in your home! It is designed to help homeowners bring multiple debts together into one manageable monthly payment.

This could help if you’re dealing with:
✔️ High credit card balances
✔️ Multiple monthly debt repayments
✔️ Recent ups and downs with your credit

✨ Why this option works for many homeowners:
• No strict income-to-debt limits
• Debts paid off as part of the mortgage aren’t counted again in affordability
• No set limit on how much debt can be consolidated
• Larger balances considered sensibly, based on your recent spending
• No special or higher-priced products - it’s part of the lender’s standard range
• Interest-only options available with flexible repayment plans

If you’re looking to reduce monthly outgoings and get back in control of your finances, it’s worth having a conversation.

📩 Message us to see if this could work for you.

Subject to eligibility criteria.

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.’’

26/08/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent
💡 Household bills
🚐 Vehicle and business costs
🛒 Everyday living expenses
👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?
£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

20/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover
If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:
Pay off or reduce your mortgage
Cover household bills
Make changes to your home
Take time away from work
Help with recovery costs

💼 Income Protection
If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:
Mortgage or rent
Household bills
Everyday living costs
Family commitments

Think of it this way:
🩺 Critical Illness Cover = A lump sum following a covered diagnosis.
💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us for a protection review.

Address

Newport
NP18

Telephone

+447954696184

Website

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