Yellow Brick Mortgages Ltd

09/09/2026

🏡 Mortgage free? Your home could still work for you.

If you own your home outright, congratulations! 🎉

A property with no mortgage is known as an unencumbered property, meaning there are no loans or charges secured against it.

The good news? Yes, you can still remortgage it.

There are many reasons homeowners choose to do this, including:

✔️ Funding home improvements
✔️ Helping family onto the property ladder
✔️ Consolidating existing borrowing
✔️ Releasing funds for other major life goals

Every situation is unique, so it's important to seek professional advice to understand the options available and whether they're right for you.

If you're wondering whether remortgaging an unencumbered property could work for you, our advisers are here to help.

📞 0330 043 1142
🌐 ybmortgages.co.uk
✉️ [email protected]



THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

07/09/2026

Could asking only one bank how much you can borrow cost you your dream home?

Our new research tested two realistic first-time buyer households against the affordability calculators of 10 major lenders. For one household, the difference between the lowest and highest borrowing figures was more than £188,000.

Two lenders would not have offered enough for the property the applicants wanted to buy. Other lenders could potentially have supported the purchase, even though the applicants, deposit, property and household spending were the same.

This is not about borrowing the maximum amount available. Buyers must choose a mortgage they can comfortably afford. It is about understanding that different lenders assess income and expenditure differently, so one bank’s answer does not necessarily represent the wider market.

We are delighted that our first original research report has been featured by the Mirror, helping to bring this important message to more first-time buyers.

Read the article here:

https://www.mirror.co.uk/money/avoidable-first-time-buyer-mistake-37634490

An expert has explained what to do

07/09/2026

Shoutout to Nicky Zouvani for her Incredible Service! 💛

We’re so proud to share this wonderful review from one of our happy clients:

“We have dealt with Nicky Zouvani at Yellow Brick since 2023 and she has been amazing. We were first time buyers and didn’t really know what we were doing until we spoke to Nicky. She guided us through and made everything so straightforward for us. She has since checked in and helped us to fixed our mortgage. We would recommend to anyone!”

If you want a mortgage advisor you can trust year after year, who’s committed to finding the right deal and supporting you every step of the way, get in touch with the Yellow Brick Mortgages team today!



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

05/09/2026

Do you work for the NHS? You could save our usual £695 mortgage advice fee.

We have provided fee-free mortgage advice to eligible NHS workers since Yellow Brick Mortgages launched in 2018, and we have no intention of withdrawing it.

The offer is not limited to doctors or nurses. Cleaners, paramedics and people working across the many roles that keep the NHS running can qualify. It can also include temporary, bank and agency staff, people combining NHS and private work, and retired NHS employees receiving an NHS pension. If you are applying jointly, only one applicant needs to qualify.

We also understand that NHS working hours do not always fit neatly into the traditional working day, so our advisers offer telephone and video appointments around shift patterns, including early mornings, evenings and weekends.

The Mirror has shared the story of why we made this commitment before Yellow Brick even opened its doors:

https://www.mirror.co.uk/money/one-group-uk-workers-can-37617288

A company is offering help to get people on the ladder

05/09/2026

We’re excited to welcome the newest member of the YBM family, Andy Seymour!💛

Andy is based in Kent, brings over 16 years experience into the Yellow Brick Mortgages family, and is ready to support clients across the UK.

Welcome aboard, Andy!

We’re continuing to grow, so if you’d like to learn more about joining us, get in touch today.

Read more about Andy here👉 https://ybmortgages.co.uk/about-us/meet-the-ybm-family/andy-seymour/

05/09/2026

CIS Contractor? Getting a Mortgage May Be Easier Than You Think.

If you're paid through the Construction Industry Scheme (CIS), you might assume getting a mortgage is more difficult than it is.

The good news? Many lenders understand that contractors are paid differently, and some may assess your income in a way that's more suitable for your circumstances.

At Yellow Brick Mortgages, we can help you:

🏡 Understand how CIS income may be assessed.
🔍 Search from a wide range of lenders.
📋 Find a mortgage that's suitable for your individual circumstances.
💬 Receive straightforward, personalised advice from start to finish.

Every applicant's circumstances are different, so getting expert advice early can help you understand your options with confidence.

Call on📞 0333 776654
🌐Visit our website www.ybmortgages.co.uk
Email us💻[email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

03/09/2026

Another Grass Roots Sponsorship!⚽

We are delighted to be sponsoring St Faiths FC U14 Girls

The new kit looks great!

02/09/2026

💼 What is Wealth Management?

When people hear the term wealth management, they often think it's only for the very wealthy. In reality, it's about helping you make informed decisions about your finances, whatever stage of life you're at.

Wealth management can include:

• Planning for retirement
• Growing and protecting your savings and investments
• Making tax efficient financial decisions where appropriate
• Protecting your family and assets
• Creating a long-term financial plan that reflects your goals

Rather than focusing on a single product or investment, wealth management takes a holistic view of your financial situation and helps ensure the different parts of your financial plan work together.

Everyone's circumstances are different, which is why professional financial advice should always be tailored to your individual needs.

If you'd like to understand how a financial plan could help you work towards your goals, feel free to get in touch.

📞 079460 27013
📧 [email protected]

THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

TAX PLANNING IS NOT REGULATED FINANCIAL CONDUCT AUTHORITY.

YELLOW BRICK FINANCIAL PLANNING IS AN APPOINTED REPRESENTATIVE OF 2 PLAN WEALTH MANAGEMENT LIMITED WHO ARE AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

01/09/2026

We’re delighted to announce and congratulate Sarah Everett on her well deserved promotion to Admin & Finance supervisor! 👏

This promotion is a fantastic recognition of the hard work, commitment and contribution she has made within the team. We’re delighted to see her step into her new role and look forward to seeing all she achieves. 🎉

A huge congratulations Sarah, very well deserved! 🌟

Here’s to the next chapter and continued success! 🥂

01/09/2026

We’re delighted to announce and congratulate Jan Zblewski on his well deserved promotion to Admin & Finance Manager! 👏

This promotion is a fantastic recognition of the hard work, commitment and contribution he has made to the team. We’re delighted to see him step into his new role and look forward to seeing all he achieves. 🎉

A huge congratulations Jan, very well deserved! 🌟

Here’s to the next chapter and continued success! 🥂