Neil Alexander - Mortgage and Protection Broker

Neil Alexander - Mortgage and Protection Broker Fully CeMAP qualified Mortgage and Insurance Broker. Specialising in all types of mortgages and insurance cover.

Before you apply, it is worth checking your own credit file for anything incorrect or out of date, as errors take time t...
28/08/2026

Before you apply, it is worth checking your own credit file for anything incorrect or out of date, as errors take time to put right. Being registered on the electoral roll at your current address also helps lenders verify you.

Two things that hold applications up more than people expect: documents that have gone out of date, as lenders want the ...
27/08/2026

Two things that hold applications up more than people expect: documents that have gone out of date, as lenders want the most recent ones, and gifted deposits, which usually need a letter from the giver plus evidence of where the money came from.

The multiple is only the starting point. Lenders also stress test affordability and take account of commitments like loa...
26/08/2026

The multiple is only the starting point. Lenders also stress test affordability and take account of commitments like loans, credit cards and childcare, so two people on the same salary can be offered very different amounts.

One thing people often miss: if you need to borrow more, the extra is usually a separate product at whatever rate is ava...
26/08/2026

One thing people often miss: if you need to borrow more, the extra is usually a separate product at whatever rate is available then, so you can end up with two parts on different terms. Early repayment charges are worth checking too.

A viewing is not a survey, and neither is a mortgage valuation, which is carried out for the lender rather than for you....
24/08/2026

A viewing is not a survey, and neither is a mortgage valuation, which is carried out for the lender rather than for you. If something at a viewing gives you pause, that is the point to consider a fuller survey.

Worth knowing that lenders price in bands. Nudging a deposit from just under 10% to just over can move you into a differ...
20/08/2026

Worth knowing that lenders price in bands. Nudging a deposit from just under 10% to just over can move you into a different tier, so a relatively small amount of extra saving sometimes makes more difference than people expect.

The clock usually starts from the offer date rather than the day you applied. Worth knowing in a long chain or on a new ...
18/08/2026

The clock usually starts from the offer date rather than the day you applied. Worth knowing in a long chain or on a new build, because a fresh application means being assessed against the criteria and rates available at that time.

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Nottingham

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+447850948531

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