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.

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





If the thought of trying to consider mortgage options during the summer holidays leaves you feeling like Cookie 😩... (th...
03/06/2026

If the thought of trying to consider mortgage options during the summer holidays leaves you feeling like Cookie 😩... (the despair was real! Everyone else had finished playing footy before she had)... then you might want to call me in the next few weeks whilst peace is still a thing!

We could have remortgage/further advance or buy to let quotes (to name a few options) ready far quicker than you think, and the bulk of things you need to concentrate on to make a decision, proceed and progress out of the way before they shout 'schools out for summer!'

Ready? Call, message or DM to let me know what you need. All advice is fee free. No hidden charges.

🤳 0115 9017842

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



🐾

Do you understand how further advances work?It's that time of year when home improvements and extending to create light ...
24/05/2026

Do you understand how further advances work?

It's that time of year when home improvements and extending to create light and space are hot topics of conversation, yet many people don't realise how the equity in their home could be used to make those dreams possible!

🏠 A further advance allows a borrower to raise additional funds against their home by way of a loan that runs separately to an existing mortgage.

💷 It’s a way of securing further funds pretty quickly, usually at a considerably cheaper rate than a personal loan, and it avoids refinancing the entire mortgage which can result in early repayment charges.

🙋‍♂️ Depending on the lender and your circumstances, a further advance isn't just for home improvements. Clients seek this option to fund many of life's changes, including buying out a partner, debt consolidation, or to raise funds for a second property/buy to let purchase.

Whether you're looking to extend or improve your home or raise funds for any other approved reason, we can help you achieve your dreams and make sure you don’t pay more for your mortgage product than you should.

If you're interested, intrigued or just want to talk this through, DM or pop me a call today on 0115 9017842.

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

"This is the second time I have used Else Mortgages, and once again, Wayne made the entire process of securing a mortgag...
15/05/2026

"This is the second time I have used Else Mortgages, and once again, Wayne made the entire process of securing a mortgage completely stress-free.

He was always available at the end of the phone, which was perfect for my busy work schedule.

Wayne took the time to explain anything I was unsure about and ensured everything was handled efficiently and professionally.

I would highly recommend Wayne to anyone looking for a smooth and hassle-free experience when arranging a mortgage. Thank you, Wayne, for your outstanding support!"

🙌🏽

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



Everyone wants their first appointment to go smoothly, and knowing what we might be looking at can help reduce the press...
10/05/2026

Everyone wants their first appointment to go smoothly, and knowing what we might be looking at can help reduce the pressure!

It's helpful to know that a lender is interested in your affordability, and this starts with your income and extends to your spending, so it's likely we'll need to first consider and then evidence these kinds of documents:

✅️ ID and proof of address (recently dated utility bill)

✅️ 3/6 months worth of payslips for all borrowers. Your latest P60. 2/3 years of tax returns if self employed

✅️ 3/6 months worth of bank statements. You'll be asked to explain transactions. Regular reliance on an overdraft is less than ideal

✅️ Details of any outstanding debt, including amounts and repayments. We'll also need to know about any adverse credit (CCJs, defaults or missed payments. But don't panic, bad debt usually reduces options rather than be a full stop). Debt generally reduces your affordability and the amount a lender will offer

✅️ Evidence of your deposit and where this came from

✅️ Details of your current mortgage if you have one. Your latest mortgage statement is helpful here

Gathering and keeping on top of this evidence will smooth the mortgage journey for you! In reality its probably less than 30/40 mins work, and once tied up it will give us a clearer indication of your chances of mortgage approval!

DM for your appointment or call on 0115 9017842




Good news on the horizon! 🌈Some of the markets' major high street lenders are starting to reduce rates!This lowering can...
22/04/2026

Good news on the horizon! 🌈

Some of the markets' major high street lenders are starting to reduce rates!

This lowering can be seen across a variety of products, and more attractive deals can be seen being offered to a range of borrowers.

Whether you're a first-time buyer, home mover, or on a buy-to-let journey, drop me a message if you want to know what's available to you!

0115 9017842

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

What is happening in the mortgage market?This is a big question right now given some of the instability seen as a result...
15/04/2026

What is happening in the mortgage market?

This is a big question right now given some of the instability seen as a result of war. Headlines include pretty scary wording around 'rising rates', 'volatility', 'turmoil', 'rate hikes', and 'withdrawal of products'.

This can cause panic if you're coming to the end of a deal or in the midst of mortgage affairs.

Many things can make the mortgage market more volatile. And we've seen this across recession, Covid and now war. During each of these, people have continued to secure borrowing and successfully get onto the property ladder, secure a new deal, take out additional borrowing, embark on buy to let journeys, and move house!

The key is not to panic but to establish what is available to you in any given mortgage market and whether that deal works for you and your set of circumstances at that time. I can help you with this and show you some of the best products available to you. We can play with the length of the deal, mortgage types, look at different lenders, the impact of product fees, pros, cons, etc, without impacting on your credit score.

For fee free advice and support throughout the process, DM and I will happily help. Never any obligation.

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





'Wayne managed to source two mortgages that suited our needs perfectly. He was very professional and gave us several tip...
08/04/2026

'Wayne managed to source two mortgages that suited our needs perfectly. He was very professional and gave us several tips that we would never have thought of. We would definitely recommend him to anyone''

Always glad to be able to help 👍🏼



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Nottingham

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

Telephone

+441159017842

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