Charlene Powell Mortgage & Will Adviser

Charlene Powell Mortgage & Will Adviser 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

AI Can’t Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
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.



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.

🏚️ Looking to refurbish a Buy to Let property?Some lenders offer refurb-to-let options that are designed for experienced...
03/06/2026

🏚️ 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.



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.

🏡 Struggling to buy a home and need help from Mum & Dad?A Joint Borrower Sole Proprietor mortgage could help you get ont...
27/05/2026

🏡 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.



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.

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?Yo...
24/05/2026

💡 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.



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.

🚨 HUGE news for first-time buyers & renters 🚨Halifax is shaking up the mortgage market with a game-changing new deal fro...
14/05/2026

🚨 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 us a message! 👇



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.

🏡 A shift in the mortgage world…For years, most lenders have typically offered around 4–4.5x income, which has limited h...
13/05/2026

🏡 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.



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.

Think bad credit means no mortgage? Not necessarily.There are actually lots of lenders who will consider applicants with...
06/05/2026

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.

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.

🏡 A little reminder for first-time buyers…You’re employed.You earn a steady income each month.You’ve got your deposit so...
23/04/2026

🏡 A little reminder for first-time buyers…

You’re employed.

You earn a steady income each month.

You’ve got your deposit sorted.

And yet… getting on the property ladder still feels just out of reach.

That’s exactly why a high street lender offers eligible buyers the chance to borrow up to 6x their income, meaning you could potentially access more than standard lending amounts.

✨ From a 5% deposit

💷 £500 cashback available

🏠 Built to support first-time buyers onto the ladder

Lenders are doing what they can to support buyers right now, but these options are sometimes overlooked 👀This is why a mortgage broker can help, we keep up to date with schemes like this and help match you to the right lender.

📩 Message us to see what could be possible for you



Subject to eligibility and lending 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.

whatsapp 07954 696184

Over 50’s Life CoverThink life cover is only for the young? 🤔 Think again.If you’re over 50, life cover can be one of th...
23/04/2026

Over 50’s Life Cover

Think life cover is only for the young? 🤔 Think again.

If you’re over 50, life cover can be one of the simplest ways to protect the people who matter most ❤️ No complicated medicals, no stress, just peace of mind knowing your loved ones won’t be left with financial worries.

Whether it’s helping with funeral costs ⚘, leaving a small gift 🎁, or covering outstanding bills 💷, it’s all about taking care of what matters… even when you’re no longer here.

It’s not about age, it’s about responsibility, love, and planning ahead ✨

Because looking after your family never goes out of style 💛

👉 Please get in touch to explore your options.

whatsapp 07954 696184

If you can afford rent… you might be able to afford to buy 👀There’s a mortgage product designed specifically for renters...
23/04/2026

If you can afford rent… you might be able to afford to buy 👀

There’s a mortgage product designed specifically for renters who feel stuck saving for a deposit:

🏡 Up to 100% mortgages available, meaning no deposit needed in some cases

📊 Your rental history can help prove affordability

💸 Even a small or gifted deposit (under 5%) can be considered

📅 Option to delay your first mortgage payment after completion

It’s aimed at people who:

✔ Have been consistently paying rent

✔ Haven’t owned a property recently

✔ Are ready to step onto the ladder but struggle with upfront costs

One thing I always say, this isn’t for everyone. Monthly payments can be higher than your rent, and you still need to meet criteria.

But for the right person, this can remove one of the biggest barriers to buying.

📩 If you’re renting and wondering if this could work for you, message me and I’ll break it down in plain English

Subject to eligibility and lending 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.

Whatsapp 07954 696184

Address

Newport
NP18

Telephone

+447954696184

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