Katie Williams - Mortgage Advisor

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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

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.

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.

22/04/2026

Self-Employed? What Happens If You Can’t Work? 🤔💷

Hi {{First Name}},

Are you a self-employed manual worker putting in at least 16 hours a week? 👷‍♂️💼

If you were off sick, would you still have money coming in? 🤔💷

And be honest, do you actually have time (or patience) to go through a long medical questionnaire? ⏳📋

If this sounds like you, there may be simpler and quicker ways to protect your income without the hassle 🙌

👉 Please get in touch to explore your options.

📞07584661716
📧[email protected]

20/04/2026

🏡 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.

10/04/2026

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

📞07584661716
📧[email protected]

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.

08/04/2026

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.

25/03/2026

Thinking about Buy-to-Let? 🏡
More landlords are choosing to buy property through a limited company and mortgages are a big part of that decision.
Why the shift?
Changes to tax and regulations mean owning property in your personal name isn’t always the most efficient option. A limited company mortgage can offer a more structured way to invest and grow your property portfolio.
We’re seeing more clients:
👉 Starting their landlord journey with a limited company mortgage
👉 Planning ahead for multiple properties
👉 Wanting to keep their personal borrowing options open (buying their own home)
There’s also growing interest in:
✔️ Investing in more affordable areas
✔️ Holiday lets and short-term rental opportunities
When it comes to mortgages, it’s not one-size-fits-all.
As a mortgage broker, I have access to a wide range of lenders -not just the high street, so I can tailor advice to suit your goals as a landlord.
Limited company Buy-to-Let can be a complex area, but that’s where a broker makes it simple. I’ll help you understand your options, lender criteria, and find a solution that works for you.
📩 Get in touch to see what could work for you

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.
Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

18/03/2026

📈 Mortgage rates spike…

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.

For anyone looking to buy, re-mortgage, or secure a new deal, keeping up with these changes can feel overwhelming.

This is where using a mortgage broker can really help 👇

🔎 Access to a wide range of lenders – not just the ones you see on the high street
📊 Up-to-date market insight – we keep track of rate changes as they happen
💡 Tailored advice – finding the most suitable deal for your personal circumstances
⏱️ Saving you time and stress – we compare options and handle the process for you

With rates changing regularly, having someone monitoring the market and guiding you through it can make all the difference.

If you're thinking about buying, re-mortgaging, or reviewing your current deal, now is a good time to speak to a broker.

📩 Feel free to message us to explore your options.

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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