Katie Williams - Mortgage Advisor

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United Kingdom
Newport (Casnewydd), Wales
Katie Williams - Mortgage Advisor

🏡 Mortgage Sure Ltd | Whole-of-Market Mortgage Advisor 🏡 Based in Llanelli, serving clients across the UK. Independent, efficient & stress-free.

Expert advice for first-time buyers, home movers, remortgages & buy-to-lets. Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Mortgage Sure Ltd is a company registered in England and Wales with company number 09351839. The registered office address is Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ

09/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000
🏦 Potential mortgage: £218,500
🏡 Property price: £230,000
🔑 Deposit: £11,500 (5%)
📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.

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.

13/08/2026

🤔 How Much Protection Cover Do I Need?

It's one of the most common questions we hear, and the honest answer is...

It depends on you.

Everyone's circumstances are different, but when thinking about protection, ask yourself:
🏡 If you weren't here tomorrow, could your family afford to stay in their home?
💷 If you couldn't work because of illness or injury, how would you pay your monthly bills?
🩺 If you were diagnosed with a serious illness, would you have enough money to focus on your recovery without financial worry?

The right amount of protection should reflect your lifestyle, financial commitments and the people who rely on you.

Whether it's Life Cover, Critical Illness Cover or Income Protection, having the right cover in place can provide valuable financial security when it's needed most.

📞 Not sure if you have enough cover? Get in touch today for a protection review. We'll help you understand your options and make sure your cover is right for your needs.

Mortgage Sure Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

03/08/2026

🏡 Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:
✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)
✅ Available for purchases and remortgages
✅ Up to 4 applicants' income can be considered (subject to affordability)
✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.
Katie Williams

Subject to eligibility and full mortgage assessment.

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.

31/07/2026

Katie Williams - Mortgage Advisor
Mortgage Sure Ltd | Whole-of-Market Mortgage Advisor 🏡 Based in Llanelli, serving clients across the UK. Expert advice for first-time buyers, home movers, remortgages & buy-to-lets. Independent, efficient & stress-free.

22/07/2026

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡

With International Self-Care Day on 24th July, it's a great reminder that financial wellbeing is an important part of self-care.

For many aspiring homeowners, the biggest hurdle isn't the monthly mortgage payment - it's saving enough for a deposit.

The good news is that new mortgage options are becoming available to help more first-time buyers get onto the property ladder, including products that may offer:
🏡 Up to 98% loan-to-value
💷 Deposits from as little as £5,000
📈 Higher income multiples for eligible applicants
🤝 Free Standard valuation

Every lender has different criteria, and these products won't be suitable for everyone. That's why getting independent mortgage advice is so valuable. A broker can help you understand what's available and find a mortgage that's right for your circumstances.

📩 Drop me a message on 07584661716 for information on the lender offering the above.

Subject to eligibility and full mortgage assessment.

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.

05/07/2026

Is your fixed rate up for renewal in 6 months or less?

We’re seeing more lenders change their product transfer windows, meaning you may be able to secure your next rate earlier than you think.

Your lender will usually write to you when you’re approaching the end of your deal - that’s your cue to get in touch with your broker, as that’s where we come in 👇

As your broker, we’ll review all of your options well in advance and get in touch at the right time to help you lock in a suitable rate.

📊 And it doesn’t stop there…
We’ll keep monitoring the market for you, so if better rates come along, we’ll let you know - saving you the time, stress, and constant checking.

💡 Less hassle. Smarter timing. Better outcomes.

If your deal is ending in the next 4-6 months, now’s the time to start the conversation.

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.

17/06/2026

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.

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.

15/05/2026

🚨 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.

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.
📞07584661716
📧[email protected]

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.

Address

Priory Drive, Merlin House
Newport
NP182HJ

Website

https://mortgagesureltd.com/

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