Mortgage&Protection Adviser- Marta Zarzycka - Linear FS

15/10/2026

Buying your first home is exciting, but the mortgage process can sometimes feel confusing!

Here are 5 important mortgage terms you’ll come across during your application journey — explained in simple terms to help you feel more confident when taking your first step onto the property ladder. 🏡✨

💡 The more you understand, the better prepared you’ll be!

📩 Have questions about buying your first home in the UK? Get in touch to discuss your mortgage options.

Your home may be repossessed if you do not keep up repayments on your mortgage.

30/09/2026

📂 Self-employed and thinking about a mortgage?

A little preparation can make the process much easier. Different lenders look at self-employed income differently, so knowing what documents you may need can save time and stress. 😊

💬 Message me “SELF-EMPLOYED” if you’d like to know more.

Your home may be repossessed if you do not keep up repayments on your mortgage.

28/08/2026

🔑 THE KEYS ARE YOURS… BUT ARE YOU REALLY READY TO MOVE IN? 🏡

You’ve saved for the deposit.
Your mortgage is approved.
You finally get the keys. 🎉

And then… reality kicks in. 😅

🚚 Removal costs
⚖️ Solicitor’s final bill
🪟 Curtains and fittings
🛋️ Furniture
🧺 A washing machine that suddenly decides to give up!

Buying your first home can come with a lot more costs than just the deposit — and they can all arrive at once.

💷 That’s why having a realistic budget for the whole buying and moving process is so important.

Don’t let the excitement of getting your keys turn into a pile of unexpected bills.

Planning to buy your first home?
💬 Message me “KEYS” and let’s talk about the costs you should consider before you start.

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/07/2026

🏡 One of the questions I get asked most is: "How much can I actually borrow?"

The answer isn't based on your income alone.

Lenders also look at:
✔️ Your existing credit commitments
✔️ Household expenses
✔️ Childcare costs
✔️ Your credit history
✔️ What is realistically affordable for you

If you're thinking about buying a home and want a realistic idea of what you could borrow, send me a message with the word "BORROW". 📩

I'll help you understand your options and give you a clear starting point - no obligation.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

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09/07/2026

Is your fixed mortgage rate ending within 6 months?
Here’s what you need to know:

🔁 If you don’t act, you’ll likely move onto your lender’s Standard Variable Rate (SVR) usually higher than your fixed deal.

⚠️ That means:
- Your monthly payments could rise suddenly
- SVRs can go up at any time
- You could be paying £100s more per month

💬 Good news? You have options, if you act early.
✅ Review your deal 3–6 months in advance
✅ Compare new rates
✅ DM me so I can help you lock in the most suitable option for your circumstances.

📌 Don’t let your deal quietly expire, plan and protect your budget.

Your home may be repossessed if you do not keep up repayments on your mortgage.

10/06/2026

🏡 Think a mortgage approval is based only on your credit score? Think again.

Lenders look at your full financial profile, including your credit history, spending habits, existing commitments, and how you manage money overall.

A good credit score helps, but every case is unique, and mortgage options may still be available even if you've faced financial challenges in the past.

📩 Get in touch to explore your options.

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

06/05/2026

You might have heard the term “AIP” (Agreement in Principle)… but what does it actually mean? 🤔

It’s a simple way to get an idea of how much you could borrow before you even start house hunting 🏡

Getting an AIP can:
✔️ Give you confidence in your budget
✔️ Show sellers you’re a serious buyer
✔️ Help speed things up when you find the right property

I can help you get this sorted quickly and smoothly — just drop me a message 📩

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.

22/04/2026

Stamp Duty Explained: What Homebuyers Need to Know (Current rules since 1st April 2025) 💷

Understanding Stamp Duty is an important part of purchasing a property in the UK. Below is a general overview of the current rates and thresholds.

Stamp Duty can be one of the biggest upfront costs when buying a home. Being aware of the current rules can help with overall budgeting — whether you’re a first-time buyer or moving home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

21/04/2026

📊 In 2024, over 27,900 people were seriously injured in road traffic accidents.
None of them planned for that day to turn out differently.

Every day we take risks:
➡️ commuting to work
➡️ driving our children around
➡️ visiting friends and family

💭 Here’s the real question:
If an accident left you unable to work…
could you still afford your everyday expenses?

❤️ Many people have life insurance — to protect their loved ones when they’re gone.
❗ But what protection do you have in place for when you’re still here… but unable to earn?

👉 It’s worth thinking about

15/04/2026