Mark Davies Just Mortgages

Mark Davies Just Mortgages Approved by The Openwork Partnership on 27/04/2026
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE."

One of the biggest misconceptions about an Agreement in Principle (AIP) is that it commits you to a mortgage.It doesn't....
11/06/2026

One of the biggest misconceptions about an Agreement in Principle (AIP) is that it commits you to a mortgage.

It doesn't.

An AIP is simply an early indication of what a lender may be willing to lend based on the information available at the time.

For many buyers, it helps answer an important question before they start viewing properties:

"Am I looking in the right price range?"

It can also help demonstrate to estate agents and sellers that you're in a position to proceed when you find the right property.

An AIP isn't about committing.

It's about getting clarity before you start searching.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

10/06/2026

Mortgage questions I get asked all the time:

An Agreement in Principle (AIP) is one of the first steps in the process.

It’s not a full application, but it gives you an indication of what a lender may be willing to offer.

It also shows estate agents and sellers that you’re serious.

For many buyers in Nottingham, this is the point where things start to feel real.

It’s not committing - it’s preparing properly!



Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

You may think about Income Protection based on how life looks today.But protection isn't really for today's you.It's for...
09/06/2026

You may think about Income Protection based on how life looks today.

But protection isn't really for today's you.

It's for future you.

The version of you with different responsibilities, different plans, and challenges you can't predict.

Not because you expect something to happen, but because having options matters.

So here's a thought:

If future you needed some extra breathing room, what options would you want them to have?

Sometimes the best financial decisions are simply about giving yourself choices.

Managed to get out on the bike over the weekend and gave the new Waterside Bridge a try.Really impressed with it. Opens ...
08/06/2026

Managed to get out on the bike over the weekend and gave the new Waterside Bridge a try.

Really impressed with it. Opens up some great off-road routes that weren't easily accessible before.

Definitely worth a visit 🚴

03/06/2026

You probably didn't start your house search feeling overwhelmed.

That feeling usually creeps in later.
After you've saved dozens of properties.
Changed your mind three times.
And started wondering whether you're even looking for the right thing anymore.

A lot of the stress isn't caused by the houses.
It's caused by not being completely clear on what you need the move to improve.
More space.
Less commuting.
Better schools.
More time back each week.

Once you know that, the search often feels a lot calmer.

So, before you scroll tonight, try this:
Write down three things your next home must give you.
And one compromise you'd realistically make.
It might give you more clarity than another hour on Rightmove.

Clarity normally comes before confidence.

19/05/2026

You may assume delays come from the mortgage side.

But more often than not, it’s the property chain.

That means:

* Multiple buyers and sellers
* All connected
* All needing to move at the same time

If one part slows down, everything else follows.

Understanding this helps remove one of the biggest causes of frustration for buyers.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

18/05/2026

Can you buy a house with a 5% deposit?

Sometimes — depending on your situation.

Because it’s not just about the percentage.

Lenders also look at:
• income
• commitments
• credit history
Have you rented or bought before

The important part is understanding what applies to you.

Because assuming you are not ready can delay things unnecessarily.

Key takeaway:
You may be closer than you think.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

You’re probably not looking for more information.....you’re looking for clarity.Because once you understand the numbers ...
14/05/2026

You’re probably not looking for more information...
..you’re looking for clarity.

Because once you understand the numbers and the process properly, things usually feel a lot less overwhelming.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

13/05/2026

“What are the hidden costs of buying a house?”

Most buyers plan for the deposit.

It’s the extra costs that usually catch people out.

Things like:
• Solicitor fees
• Surveys
• Mortgage fees
• Moving costs

On their own, they often don’t feel major.
Together, they can change your budget more than expected.

That’s usually where stress builds — not because the costs are “hidden”, but because nobody explained the full picture upfront.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

12/05/2026

How long does buying a house actually take in Nottingham?

Most buyers expect weeks.

In reality, it’s often 3–5 months from offer to completion.

Not because things are going wrong — but because several stages happen together:
• Mortgage
• Legal work
• Surveys
• Property chain

Most frustration comes from not expecting the timeline up front.

Key takeaway:
It’s not slow — it’s structured.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority

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Nottingham

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

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+447413185842

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