Else Mortgages

Else Mortgages Free mortgage and protection advice from professionals who care! Authorised and regulated by the Financial Conduct Authority.

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

Do you have an office loiterer?!Behind the scenes, this 'chief operations manager' has spent the summer keeping cool und...
17/08/2026

Do you have an office loiterer?!

Behind the scenes, this 'chief operations manager' has spent the summer keeping cool under my desk (responding between naps to the odd treat!) 🍪 🐾

We know how you feel Cookie 🥵😎 🍦



Creating content as a business owner can sometimes feel like an entirely other job!! If I shared all the updates around ...
09/08/2026

Creating content as a business owner can sometimes feel like an entirely other job!!

If I shared all the updates around a week in my life, the clients we get to help, the property portfolio we're growing, the phone calls, the planning, the research... then I'd run out of time for a brew 😂😂

This week we're keeping it very real. So here's me in the background making my favourite tipple - coffee! - whilst the non instagrammable part of the pic has been kept in to show the kids dishes in the sink 😅💦🍽

A typical day in the life of this mortgage broker/husband/dad/dog father!

Wouldn't have it any other way! For fee free mortgage advice from professionals who understand busy lives, pop me a DM or call me on 0115 9017842 🙌🏽

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



This is a niche market and is mainly used to purchase a property that is either currently not mortgageable (as it requir...
01/08/2026

This is a niche market and is mainly used to purchase a property that is either currently not mortgageable (as it requires modernisation for example) or one where you plan on renovating the property to increase it’s value before remortgaging or selling on, but there are other reasons too 💵

Due to our experience in renovating properties, we have the knowledge and first hand experience to help you through the application process 🙌🏽

We'll look through range of products across lenders, and help match your circumstances to the right lender for you by considering what you want the funds for, your repayment vehicle, and when you anticipate being in a position to repay.

Cutout the guesswork, stress and uncertainty. DM today for fee free advice 🤵💼





Let's say you find a deal where the monthly repayment is £1200, that seems affordable so you go with that... What a brok...
25/07/2026

Let's say you find a deal where the monthly repayment is £1200, that seems affordable so you go with that...

What a broker will do is help you to look at the finer detail around total costs, which can make a huge difference to what you view as a good deal!

Things that change the price you will actually be paying over the term of the loan include:

●The interest rate. A broker can help you look at deals from lenders you may never have heard of. A better rate that lowered the repayment by £50 could save you £600 a year, or £15k over 25 yrs. That's a very weekend away, savings pot, or money for home improvements that could value to your property for a later sale.
● Repayment type. If that £1200 is on a variable rate, do you know what happens to the payment if the rate goes up by 1%? Or 2%. Have you looked into what that adds to the total cost compared with a slightly higher fixed repayment?
● Loan term. If you take a loan at an attractive rate over 2 years with a high product fee, how attractive is the total cost over that term compared with say a 3 or 4 year deal. If you have to keep remortgaging and paying fees, it may be less attractive when the total cost numbers are added up! And what if you reduced your loan term from say 20 yrs to 15 yrs? Again, this could save thousands.
●Fees. Have you looked into the product fees and potential valuation fees associated with the deal, as well as any early repayment charges (ERC's) should you wish to exit early. Each time you take out a new deal these can add £s to the total cost you repay over the term of your mortgage.

Finding the right product for you includes weighing up multiple variables around your personal circumstances. At Else we use a sophisticated portal to show you the maths! You could save thousands of pounds if you consider the total cost of your mortgage! My advice is fee free.

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


"I am a portfolio landlord of 25 years and found Wayne through a landlord forum, where I found his advice and answers to...
15/07/2026

"I am a portfolio landlord of 25 years and found Wayne through a landlord forum, where I found his advice and answers to be very good to everyone he answered.

I chose to use him for one of our recent Ltd Co mortgages and from the start we got on really well. Wayne is approachable with great communication. As a landlord himself he understands both sides of the market which I found very useful.

All of the communication was prompt and the software he uses for clients to upload their information was much easier than emailing documents.

I wont be going anywhere else from now and already given his contact details to other colleagues of mine"

If you or someone you know is a landlord seeking experience based advice around the complexities of mortgage needs, DM or call us on 0115 9017842. Our advice and service is fee free.

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




Here at Else, we offer a fully fee free service. Buying a house is a huge commitment, and we don't think fees should be ...
08/07/2026

Here at Else, we offer a fully fee free service.

Buying a house is a huge commitment, and we don't think fees should be a barrier to finding a product that you've fully weighed up against other deals available to you, so you're sure it best suits your needs.

At Else, we join you on your journey, searching for the best deals available for you and your circumstances, very often saving chundreds of pounds in the process. We firmly believe that everyone should have access to good quality mortgage advice.

Property is our passion, and with fee free support, you can spend more time making it yours; searching for your dream home whilst we take care of the mortgage application process ☺️

DM to start your journey with us, or 📞 call on 0115 901 7842

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

Beautiful!When the sun shines like this we all feel better, but did you know that mortgage anxiety is far from uncommon?...
28/06/2026

Beautiful!

When the sun shines like this we all feel better, but did you know that mortgage anxiety is far from uncommon?

Overwhelmed about your first appointment and what your documents might reveal?

We're only interested in the things a lender will be, not to judge. So if you've had two takeaways a week since Christmas from the same high street restaurant, that's fine by us as long as they didn't take you over you're overdraft, and even then we'll explain why rather than point the finger!

A brokers role is to help you find a deal that works for you, around your complexities. We want to take the worry away, not add to it!

Don't put off an appointment because you're concerned we'll judge - let us take a look!

DM or call us on 0115 901 7842

Fathers Day 🥳Raising kids isn’t just about biology; there are many father figures who take great pleasure in stepping in...
21/06/2026

Fathers Day 🥳

Raising kids isn’t just about biology; there are many father figures who take great pleasure in stepping in to show kids the ropes, and have our backs (mine was my Mum ❤️)

I've since had the privilege of learning first hand the sacrifices fathers make, and the joy in the moments along the way 🙏

From early morning 'Dad' hollers from another bedroom when we might want 5 more minutes 💤😉, to time spent learning new footie tricks ⚽️ (on repeat!!) and all the simple life lessons along the way - being a Dad is an incredible journey that I know I'm lucky to be on!!

This Father's Day, we're celebrating the father figures who shaped who we are today, and those giving kids that precious head start they need 💙

To all the Dads and father figures out there making kids lives a better place, have a wonderful day 🎉

Now then chaps, perfect weather for a bbq!!!! 😃

If you're looking for the lowest interest rate deals, you'll be more attractive to a lender if you can put down a bigger...
14/06/2026

If you're looking for the lowest interest rate deals, you'll be more attractive to a lender if you can put down a bigger deposit!

Loan to value can make a difference, and a bigger deposit typically opens up a wider pool of lenders as you are seen as a lesser risk.

Let's look at it through this example - if you have £100k to put down on a £400k property, not only will you have substantial equity as security, you'll need to borrow less overall compared with a borrower seeking a 95% mortgage on the same property.

The key part here is that this reassures lenders, and assuming the rest of your profile is positive, this greater sureity will be reflected in the rates available to you 🙌🏽

If you want to chat about which deals you qualify for, and how loan to value tiers might impact rates and repayments for you, DM or call to arrange a no fee, no obligation appointment on 0115 9017842

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

The price of the property you want to purchase isn't the only thing to consider when buying a new home!Things like stamp...
07/06/2026

The price of the property you want to purchase isn't the only thing to consider when buying a new home!

Things like stamp duty, conveyancing fees, a land registry fee, and surveys may all need to be factored in depending on your purchase 💰

But there are some fees that are product dependent (meaning some products carry them whilst others don't, so effectively it is your choice whether you pay them or not) and this is where a broker can help.

Arrangement fees are one such fee that may or may not be attributed to a deal 📄

Deals with the lowest rates tend to be the ones that carry such a fee. You can usually pay this upfront or borrow enough money to include this. If you do the latter, you must bear in mind that you will pay interest on this sum too.

Fees of this kind vary, but can reach several thousand pounds meaning I'll want to help you establish the true cost of the product across the term to establish if a deal with a slightly higher interest rate and no fee is actually more cost effective for you!! 👌🏽

A broker will be able to give you calculations for a variety of products, allowing you to compare terms, rates, and fee free deals to help you make a choice that suits your personal circumstances.

Some brokers charge a fee for their services too. I don't! My advice is always fee free 🙌🏽

DM if you want to look at what this means for you, or call me on 0115 9017842

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





Address

Nottingham

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+441159017842

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