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

29/10/2026

Same House, Same Job, Same Borrower. Bigger Mortgage Payments.
Your mortgage deal might be coming to an end - and the difference could be bigger than you think.
With interest rates and house prices changing, NOW is more important than ever to get the right mortgage advice.

📲02920 865714
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.

16/10/2026

🏡 Could a 2.5% deposit be enough to buy your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:
🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

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.

14/10/2026

“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.

25/09/2026

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.

24/09/2026

🏘️ A reminder for larger portfolio landlords…

Did you know that one of the UK’s leading specialist Buy to Let lenders has a dedicated proposition for landlords with larger portfolios, with access to very competitive rates?

If you have 11 or more mortgaged Buy to Let properties, it could be well worth exploring.

The proposition includes:
🏠 No limit on the number of properties in your portfolio
💷 Up to £10 million total borrowing exposure
📉 Access to competitive Buy to Let rates
🔑 Options for standard Buy to Let and HMOs
🔄 Available for purchases and remortgages

Having a larger portfolio doesn’t necessarily mean compromising on rate or lender choice.

If you’re looking to purchase your next investment, refinance existing properties or simply review your portfolio, get in touch and I can look at the options available across the market.

📩 Drop me a message to arrange a review.

📞07584661716
📧[email protected]

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.

18/09/2026

🤔 Why Do You Need An Adviser To Choose Your Protection?

You wouldn’t necessarily choose a mortgage by picking the first one you see. So why choose your personal protection that way? There isn’t a “one policy fits everyone” approach.

An adviser can help you understand:
❤️ Life Cover – How much your family might actually need and for how long.
🩺 Critical Illness Cover – What conditions are covered, how they’re defined and what the policy could pay out for.
💷 Income Protection – How much of your income could be protected, when payments could start and how long they could continue.

🔍 The small print matters.

Two policies can look similar on the surface but have very different definitions, exclusions, benefits and underwriting. And then there’s your personal circumstances: your income, family, debts, health, occupation and future plans.

A good adviser doesn't just ask: “How much cover do you want?”
They ask: 👉 “What are you actually trying to protect?”

Because choosing the cheapest policy isn't always the same as choosing the right policy.
💡 Protection is too important to leave to guesswork.

👉 Please get in touch to explore your options. (insert contact details)

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.

📞07584661716
📧 [email protected]

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.

11/09/2026

🏡 A new way to remortgage has just launched…

If your fixed rate is coming to an end, there’s now another reason to review your options rather than automatically staying with your current lender.

🚀 One of the market leading lenders has become the first to launch a Fast-Track Remortgage service, designed to make switching lenders much quicker for eligible customers, completing in as little as 5 days.

Traditionally, moving your mortgage to a new lender can take several weeks from application through to completion, which can sometimes make staying with your existing lender feel like the easier option.

🔑 If your mortgage deal is ending soon, even if I’ve never helped you before, get in touch. I can review your current lender’s options alongside what else is available across the market. 🔍

Fast-Track Remortgages are only available on eligible cases and are subject to lending criteria, affordability and other checks. Timescales are not guaranteed.

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.

10/09/2026

🚨 Terminal Illness Cover vs Critical Illness Cover

🤔 They sound similar… but they’re NOT the same!

One of the biggest misconceptions about personal protection is that terminal illness cover and critical illness cover are basically the same thing.

❌ MYTH: “If I have terminal illness cover, I don't need critical illness cover.”
👉 FACT: They protect you against very different situations.

❤️ TERMINAL ILLNESS COVER
Usually included as part of a life insurance policy.
It can allow your life insurance benefit to be paid early if you're diagnosed with a terminal illness that meets the policy definition, typically where you're expected to die within 12 months. Think of it as accessing your life cover early.

🩺 CRITICAL ILLNESS COVER
Can pay a lump sum if you're diagnosed with a specific critical illness covered by your policy, such as certain cancers, heart attacks or strokes. The important point? You don't necessarily need to be terminally ill. You could receive a critical illness pay out and go on to recover or live for many years.

💡 MYTH: “Cancer means I'll automatically receive a critical illness pay out.”
❌ Not necessarily.
Critical illness policies have specific definitions, and the type or severity of cancer covered can vary between insurers. Always check the policy wording.

💡 MYTH: “Terminal illness cover gives me extra money on top of my life insurance.”
❌ Usually not.
It is generally an early payment of the life insurance benefit, so once paid, the life cover normally ends.

🛡️ THE BOTTOM LINE

Terminal Illness Cover = Protection if you're diagnosed with a terminal condition.
Critical Illness Cover = Protection if you're diagnosed with a specified serious condition covered by the policy.

They can work alongside each other because they protect against different financial risks.

📞 Not sure what your current protection actually covers?
A protection review could help identify any gaps before you need to make a claim.

Definitions, conditions, exclusions and claim requirements vary between providers. Critical illness cover only pays where the policy definition is met. Always check the relevant policy terms and conditions.

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.

Address

Priory Drive, Merlin House
Newport
NP182HJ

Website

https://mortgagesureltd.com/

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