Else Mortgages

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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.

🚨 MORTGAGE RATES ARE ON THE MOVEIf your mortgage rate is due to expire within the next 6 months, now is a good time to s...
06/10/2026

🚨 MORTGAGE RATES ARE ON THE MOVE
If your mortgage rate is due to expire within the next 6 months, now is a good time to start planning your next deal.

📈 With rates moving upwards, leaving your mortgage review until the last minute could mean missing opportunities to secure a more suitable rate.

🏠 Don’t wait until your current deal ends.
A mortgage review can help you:
✅ See what rates you could potentially secure
✅ Understand your options
✅ Plan ahead and avoid last-minute stress
✅ Make sure your mortgage still works for you

📅 If your rate ends within the next 6 months, book your mortgage review today.

📩 Drop me a message or get in touch to arrange a review.

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage advice is subject to status and affordability.

Have you ever wondered what an appointment with a mortgage broker might entail?!Here at Else, you can visit in person (w...
27/09/2026

Have you ever wondered what an appointment with a mortgage broker might entail?!

Here at Else, you can visit in person (we have a lovely private home office close to Wollaton Park) or we can do business virtually!

Initially we'll collect some basic information from you, which will be discussed in more depth at your first appointment.

We'll chat through what you're looking for over a coffee, explain the jargon and the things you might be worried about, and often are able to show cost saving alternatives that you might not have considered if you'd shopped alone!

Our advice is fee free,our expertise is vast, and we even help with the paperwork to save you time that could be spent house hunting or planning your home upgrade!

Every client and their needs are different and we work hard to understand those and find the best deals available for you from a wide range of lenders. We can also discuss your protection needs. DM or call on 0115 9017842 to secure your appointment

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





There are many things we love to chat about over a brew! The Bank of England (BOE) base rate and the impact on mortgage ...
23/09/2026

There are many things we love to chat about over a brew! The Bank of England (BOE) base rate and the impact on mortgage rates is one of them!

Right now, the BOE is still holding at 3.75%, but with continued conflict in the middle east pushing up energy costs and creating turbulence in multiple other ways, it's widely anticipated that rates will rise again into 2027 📈

So what might this mean for you?

It really does depend on a multitude of factors. What's best isn't one size fits all solution. House moves are about all kinds of personal things that sit around the money part 👪👶👨‍🎓, and remortgaging needs don't always sit neatly/concurrently around external changes! But an initial appointment would help us to talk through what things could look like for you.

Whether you are due to remortgage in the near future, or are thinking of a home move, small rises in rates can add £'s to repayments, and taking the time out to have a conversation this side of Christmas about mortgage options could save you valuable money into the new year that could otherwise be spent on home improvements, holidays or in response to the "Mum/Dad, can I have?" conversations that the parents amongst us will be familiar with! 🧒

The key takeaway away here is to have an early conversation with a mortgage broker so that you are better informed, well prepared for changing eventualities, and don't miss potential 'now' opportunities that you might later regret! DM for a fee free appt/advice or call me on 0115 9017842

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



"... would recommend Wayne to anyone looking to purchase a residential or buy to let"If you or someone you know is a see...
10/09/2026

"... would recommend Wayne to anyone looking to purchase a residential or buy to let"

If you or someone you know is a seeking bespoke, 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





With the kids back at school and the house having some semblance of order again, it's a good time to think about mortgag...
03/09/2026

With the kids back at school and the house having some semblance of order again, it's a good time to think about mortgage hygiene!

Thoughts of the festive season often turn to thoughts of house moves or further borrowing. So if you're looking to create more space via a property ladder climb, or spruce up the living areas you already have, schedule time for an appointment so we can work out whats available to you!

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




Address

Nottingham

Opening Hours

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

Telephone

+441159017842

Website

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