Ben McGrath - Mallard Mortgages

Home
United Kingdom
Nottingham
Ben McGrath - Mallard Mortgages

Call Directions Website Contact the business

Mortgage & Protection Adviser - [email protected]

Commerfinal Finance Specialist - [email protected]

07535203005

17/10/2026

Life in the old dog (literally) yet 🐕 🚶‍♂️

12 years young and still putting in the miles. Archie enjoyed it too, honest 🤥.

05/10/2026

Happy 11th Birthday.

Couldn’t be prouder of the lad you’re becoming — kind, funny, determined, and always giving life 100%.

Have the best day, son. Love you loads.

Disclosure - he was holding the drink for Kelly 🤗

#11

26/09/2026

Standard 95% (5% Deposit) Mortgages

How they work: You borrow up to 95% of the property value and provide a 5% deposit.

Fixed £5,000 Deposit Mortgages

How they work: Instead of a percentage, you need a flat minimum deposit of £5,000, allowing a higher Loan-to-Value (up to 99% on certain properties).

Ultra-Low Deposit / 98% Mortgages

How they work: Allows borrowing up to 98% LTV requiring a minimum £10,000 deposit on specific fixed-rate terms.

25/09/2026

It’s my birthday today — which means I’m officially one year wiser.

If you’ve been thinking about sorting your mortgage, remortgage, or that “I’ll do it next month” plan… now’s a great time. I’m in a good mood and might even make the paperwork feel fun.

Thanks for all the support — now let’s get your mortgage behaving better than my diet will this weekend.

🍻 🎂 🕺 🥳

20/09/2026

Proud parents. Some strike from the lad — even Kelly and I had to give him a bit of credit for that one.

Top corner, no messing. 💛🖤

🚀 🎯 🥅

20/09/2026

07535203005
[email protected]

19/09/2026

📊 Are the savings accurate?

1️⃣ £200/month overpayment
On a £250,000 mortgage at 4.5% over 25 years:

• Standard payment ≈ £1,389/month
• With £200 extra → £1,589/month
• Term reduction: ~4 years 2 months
• Interest saved: ~£34,000–£35,000

🔒 10% allowance rule — correct?
Yes — this is standard across most UK fixed‑rate mortgages:

• You can overpay up to 10% of the outstanding balance per calendar year
• ERC‑free
• Each loan part has its own allowance
• Switching to a new fixed rate mid‑year does not reset the allowance

🧠 Why the numbers look big
Overpayments reduce capital, and interest is charged daily on that capital.
So every extra pound you pay now prevents future interest from ever being charged.

This is why even small monthly extras compound into huge savings.

12/09/2026

Give my friend a follow, and a consideration if you’re after some artwork 👌.

Brilliantly talented

Based at Ink Craft, Long Eaton 🫶🏼
Self taught in Theatrical makeup and Portrait work.
Tattooist 💉♥️

12/09/2026

What £100,000 Costs at Today’s Rates (25‑Year Term)

Thinking about your mortgage options?
Here’s a simple, clear breakdown of what £100,000 costs per month at different interest rates — 👇

💷 Monthly Payments per £100,000 (25 Years)

• 4.25% → £542 per month
• 4.50% → £556 per month
• 4.75% → £570 per month
• 5.00% → £585 per month

Every 0.25% rise adds roughly £14–£15 per month per £100k.

07535203005
[email protected]

Address

Nottingham

Telephone

+447535203005

Website

http://www.mallardmortgages.co.uk/, http://www.mallardcf.co.uk/

Alerts

Be the first to know and let us send you an email when Ben McGrath - Mallard Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.