The Cheshire Mortgage Group

The Cheshire Mortgage Group Mortgage and Life Insurance Brokers, offering full advice and recommendation ranging from First Time Buyers to experienced Landlords.

You might have seen the term LTV (loan to value) and wondered what it actually means.It's simply the percentage of the p...
11/06/2026

You might have seen the term LTV (loan to value) and wondered what it actually means.

It's simply the percentage of the property value you're borrowing. So if you're buying a £200,000 home with a £20,000 deposit, you're borrowing 90%, and your LTV is 90%.

Why does it matter? Because the lower your LTV, the better mortgage rates you can access. Lenders see a bigger deposit as lower risk, so they reward it with better deals.

It's one of the reasons saving a little more before you buy can make a real difference to your monthly payments.

If you’re looking for advice on your mortgage, get in touch!

☎️ 03333 583 001
📧 [email protected]

Thinking about buying your first home but not sure where to start?You're not alone; the whole process can feel pretty ov...
10/06/2026

Thinking about buying your first home but not sure where to start?

You're not alone; the whole process can feel pretty overwhelming before you've even looked at a mortgage.

The good news is, getting on the property ladder might be more achievable than you think. We'll walk you through everything from how much you can borrow, to which lenders suit your situation, and what the whole process actually looks like from start to finish.

No jargon, or pressure. Just clear, honest advice.

☎️ 03333 583 001
📧 [email protected]

Thinking about giving your home a little upgrade this year?If you’re not sure how to get things moving, a remortgage co...
09/06/2026

Thinking about giving your home a little upgrade this year?

If you’re not sure how to get things moving, a remortgage could be one way to release funds and bring those plans to life, step by step.

It might be simpler than you think to start turning your ideas into something real.

If you were unable to work due to illness or injury, how long could you cover your mortgage payments?Income protection i...
08/06/2026

If you were unable to work due to illness or injury, how long could you cover your mortgage payments?

Income protection insurance replaces a portion of your income if you can't work, so your home stays secure even if life doesn't go to plan. And it can cost a lot less than most people think.

If this post makes you feel uncomfortable with the level of protection you currently have, get in touch with me on 03333 583 001 and let's see how we can get you protected.

Thinking about buying your first home but not sure if you're ready?Here's a simple checklist:Do you have at least 5% of ...
07/06/2026

Thinking about buying your first home but not sure if you're ready?

Here's a simple checklist:
Do you have at least 5% of the property value saved as a deposit?
Are you registered on the electoral roll?
Have you checked your credit report recently?
Do you have a rough idea of what you earn and spend each month?

If you ticked most of these, you might be more ready than you think.

The next step is just a conversation.

☎️ 03333 583 001
📧 [email protected]

Friday is when most mortgages complete, which means keys are changing hands all over right now.Congratulations to everyo...
05/06/2026

Friday is when most mortgages complete, which means keys are changing hands all over right now.

Congratulations to everyone getting theirs today!

If your mortgage journey is just beginning, we're here whenever you're ready.

☎️ 03333 583 001
📧 [email protected]

If we've helped you with your mortgage, we'd love to hear about it.Honest reviews mean everything to a small business — ...
04/06/2026

If we've helped you with your mortgage, we'd love to hear about it.

Honest reviews mean everything to a small business — they help other people in exactly the same position as you were, find the right advice at the right time.
It takes two minutes and it makes a huge difference.

How much can I actually borrow for a mortgage?It's one of the first questions everyone asks. But the answer is… it depen...
03/06/2026

How much can I actually borrow for a mortgage?

It's one of the first questions everyone asks. But the answer is… it depends.

Most lenders will offer around 4 to 4.5 times your annual income. So if you earn £30,000, you might be looking at borrowing £120,000 to £135,000.

But lenders also look at your outgoings, credit history, the size of your deposit, and more.

The only way to get a real answer for your situation is to speak to a broker.

☎️ 03333 583 001
📧 [email protected]

Address

School Lane
Northwich
CW81PW

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4:30pm

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