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

The Cheshire Mortgage Group

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The Cheshire Mortgage Group

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

04/11/2026

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]

03/11/2026

Is your mortgage costing you more than it should be?

If you're on your lender's standard variable rate and watching your monthly payments eat into everything else, a remortgage review might give you some breathing room.

It's not always possible to reduce payments, but it's always worth finding out. And we'll give you a straight answer either way.

☎️ 03333 583 001
📧 [email protected]

02/11/2026

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]

01/11/2026

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]

31/10/2026

Bad credit doesn’t automatically mean no.

Remortgaging with less than perfect credit can be harder than with a clean file, but it's not impossible. There are specialist lenders who work with people in this situation every day.

It depends on the nature of your credit issues, how recent they are, and your overall financial picture.

The worst thing you can do is apply to multiple lenders at once, hoping something sticks, because each application leaves a mark on your file.

If you’re worried about remortgaging, give me a call, and we can discuss your options.

☎️ 03333 583 001
📧 [email protected]

30/10/2026

Happy completion day!

This is the day you’ve been waiting for, and you finally get your keys. But there’s a lot happening behind the scenes.

🏡 Your mortgage lender releases the funds to your solicitor.
🏡 Your solicitor transfers the money to the seller's solicitor.
🏡 Once confirmed, the property is yours.
🏡 You get your keys.

The whole thing usually happens by early afternoon. And just like that, your new home is yours 🥂

29/10/2026

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.

28/10/2026

Not sure if you'd even get approved for a mortgage?

It's one of the most common things we hear from first time buyers, and honestly, most people are in a much better position than they think.

Lenders will look at the full picture, not just one number. And knowing which lenders are most likely to say yes to your specific situation is exactly what we do.

If you’re worried about getting approved, give me a call and let’s see what’s possible.

☎️ 03333 583 001
📧 [email protected]

27/10/2026

Did your fixed rate end and you didn't do anything about it?

You're not alone. Life gets busy, the letter from your lender gets buried, and suddenly you're on their standard variable rate paying more than you need to every single month.

The good news is it's not too late to sort it out.

☎️ 03333 583 001
📧 [email protected]

26/10/2026

Being self-employed doesn't mean mortgage doors are closed to you.

But it does mean lenders look at things slightly differently. Most want to see 2 years of accounts or tax returns, though some will consider just 1. And knowing which lenders are most likely to say yes to your situation is exactly what a good broker is for.

Sole trader, limited company director, or contractor, we've helped people in all of these situations get the mortgage they needed.

☎️ 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

Website

http://cheshiremortgagegroup.co.uk/

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