The Mortgage Point

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United Kingdom
Nottingham
The Mortgage Point

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Mortgage and Protection Broker based in Nottingham

29/10/2026

KIND WORDS. BIG SMILES. 💙

Thank you, Jackie, for your lovely five-star review. There’s no such thing as a silly mortgage question — we’re here to explain things clearly and help you feel informed.

Have a question of your own? Send Andy a message. Friendly advice, no judgement.

Read our customer reviews: https://uk.trustpilot.com/review/themortgagepoint.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

28/10/2026

🏡 First-time buyers: a new government scheme is on the way!

“Your First Home” aims to help eligible buyers purchase a new-build home in England with:

✅ A deposit from 2.5%
✅ A 20% government equity loan, interest-free for five years
✅ A repayment mortgage from a participating lender, subject to affordability checks

For a £300,000 home, that could mean a £7,500 deposit, a £60,000 equity loan and a £232,500 mortgage.

Household income limits are £110,000 outside London and £140,000 in London. Local property price caps will also apply.

Remember: the equity loan must be repaid, and the amount is linked to your home’s value. Interest starts at 1.5% in year six, rising to 3% from year seven. Interest payments don’t reduce the loan balance.

📅 Applications are expected to open in February 2027, with pre-registration planned by the end of December 2026. Full eligibility rules are still to come.

Read the government’s guide:
https://www.gov.uk/government/publications/your-first-home/your-first-home

Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

Start with the actual entries on your report, rather than the score in an app.

Check which account
Was it a credit card, loan, phone bill or mortgage? Make a note of the account and lender.

Check the dates
Record when it happened, how many payments were missed and whether the account is now up to date.

Check it is accurate
If an entry is wrong, raise it with the provider or credit reference agency. Keep evidence of the correction.

A late payment and an account default are not the same thing.

Save this checklist before your mortgage conversation.

💬 Message us for a confidential chat.

📱 07448572257
📧 [email protected]
🌐 www.themortgagepoint.co.uk

Subject to affordability, credit assessment and lender criteria. Not all adverse credit is accepted. Approval is not guaranteed. Mortgage advice fees apply.

Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

🎉 IT'S OFFICIAL… OUR BRAND NEW WEBSITE IS LIVE! 🎉

🏡 We've given The Mortgage Point a fresh new look, and we're really excited to finally share it with you!

Our new website isn't just about looking good. We've made it easier than ever to explore your mortgage options, find helpful information and take the next step towards your new home.

🌐 www.themortgagepoint.co.uk

Whether you're buying your first home, moving house, remortgaging or worried that your credit history might hold you back, we're here to help!

✅ BAD CREDIT? Discover how we help people with defaults, CCJs and missed payments.

✅ FIRST-TIME BUYER? Find out how we could help you onto the property ladder.

✅ SELF-EMPLOYED? Explore your mortgage options.

✅ REMORTGAGING? See how we could help you find your next deal.

🧮 Try our mortgage calculator to see what you could potentially borrow.

📅 Book a FREE mortgage consultation directly through the website!

💙 A SPECIAL THANK YOU!

A massive shout-out to the team at Samson Web Design for bringing our vision to life!

They've done a fantastic job creating a website that really reflects what The Mortgage Point is all about — making mortgages less complicated and helping people who might have been told 'no' elsewhere.

If you're thinking about a new website for your own business, I genuinely recommend giving them a look. They even offer a FREE homepage design, so you can see what they could create for you before committing!

👉 https://www.samsonwebdesign.co.uk/free-website-design

🚀 YOUR NEXT MOVE STARTS HERE!

Thinking about getting a mortgage but not sure where to start? Perhaps you've already been turned down by a bank or another broker?

🏡 DON'T RULE YOURSELF OUT BEFORE YOU'VE SPOKEN TO US!

Whether you're ready to get moving or just want to know what's possible, our new website is the perfect place to start.

👇 VISIT OUR BRAND NEW WEBSITE TODAY!

🌐 www.themortgagepoint.co.uk

✅ Explore your mortgage options
✅ Try our mortgage calculator
✅ Book your FREE mortgage consultation in just a few clicks!

💙 Go on, have a look! We'd love to hear what you think in the comments. And if you know someone who could benefit from our help, please share this post!

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Your home may be repossessed if you do not keep up repayments on your mortgage.

The Mortgage Point is a trading name of TMPUK Ltd, an Appointed Representative of TMG Direct Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 786245).

22/10/2026

Lovely words from Mandy 💙

Thank you, Mandy, for taking the time to leave this five-star review. Making the mortgage process feel easier and treating every client as an individual is exactly what we aim for.

If you have a mortgage question, feel free to get in touch — friendly advice, no judgement.

Read more customer reviews: https://uk.trustpilot.com/review/themortgagepoint.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

21/10/2026

Rates change. Our support continues.

Mortgage rate volatility can create uncertainty, including after an application has been submitted.

At The Mortgage Point, our support continues from application to completion. We monitor your lender’s available rates while your application progresses. If rates decrease, we may be able to select a new, lower-rate product with your lender before your mortgage completes.

A product change is not automatic or guaranteed. We assess the lender’s requirements, your eligibility, any fees and the time available before completion. A lower headline rate does not necessarily mean a lower overall cost. Changes may require further checks and could delay completion.

Rates can rise as well as fall. We explain any suitable options so you can make an informed decision.

Contact The Mortgage Point to discuss your mortgage requirements.
[email protected]
www.themortgagepoint.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances, but a typical fee will be £495.

The Mortgage Point™ is a trading name of TMPUK Ltd (FCA reference 1016464), an Appointed Representative of TMG Direct Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 786245). ICO registration numbers: TMPUK Ltd ZB732558; TMG Direct Limited ZA178200.

20/10/2026

A missed payment, default or CCJ does not tell the whole mortgage story.

What happened?
The type of credit issue, the amount involved and how often it happened all help build the picture.

When did it happen?
Recent difficulties and older, resolved issues may be treated differently. Lenders do not all use the same criteria.

What is affordable now?
Your income, spending, current commitments and deposit matter too. A credit score alone cannot answer that.

There may be options, but approval is never guaranteed.

Friendly advice. No judgement. Message Andy privately.

💬 Message us for a confidential chat.

📱 07448572257
📧 [email protected]
🌐 www.themortgagepoint.co.uk

Subject to affordability, credit assessment and lender criteria. Not all adverse credit is accepted. Approval is not guaranteed. Mortgage advice fees apply.

Your home may be repossessed if you do not keep up repayments on your mortgage.

17/10/2026

🏡 Adverse credit: let’s clear up some mortgage myths.

❌ “A CCJ means I can’t get a mortgage.”
Some lenders may consider applicants with County Court Judgments (CCJs). What happened, the amounts involved and when it happened can affect your options.

❌ “Missed payments automatically rule me out.”
Not necessarily. The type, number and timing of missed payments can make a difference.

❌ “Every lender will take the same view.”
Lenders have different criteria, so a decline from one doesn’t automatically mean every lender will say no.

At The Mortgage Point, we’ll listen to your circumstances and help you understand what could be possible — with friendly advice and no judgement.

💬 Message us for a confidential chat.

📱 07448572257
📧 [email protected]
🌐 www.themortgagepoint.co.uk

Subject to affordability, credit assessment and lender criteria. Not all adverse credit is accepted. Approval is not guaranteed. Mortgage advice fees apply.

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/10/2026

A little kindness goes a long way 💙

Thank you, Brendan, for your lovely five-star review. Keeping you in the loop and being there when you have questions is a big part of what we do.

Got a mortgage question on your mind? Drop Andy a message — happy to help.

Read our customer reviews: https://uk.trustpilot.com/review/themortgagepoint.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

11/10/2026

🏡 Poor credit history doesn’t automatically mean you need a large deposit.

Worried that past credit problems mean saving a much bigger deposit? You may have more options than you think.

🔹 5% deposit: Potential options for some applicants with recent credit issues.

🔹 As little as 2.5% deposit: Potential options for some applicants with older credit issues.

What happened and how long ago it happened can all make a difference.

At The Mortgage Point, we’ll take the time to understand your circumstances and explain what could be possible — with friendly advice and no judgement.

💬 Message us for a confidential chat.

Available to selected applicants and properties only, subject to affordability, credit assessment and lender criteria. Not all adverse credit is accepted. A larger deposit may be required. Product availability can change. Mortgage advice fees apply.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Nottingham

Website

http://www.TheMortgagePoint.co.uk/

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