Mortgage&Protection Adviser- Marta Zarzycka - Linear FS

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

14/04/2026

🏡 What is a Fixed Rate Mortgage?

A fixed rate mortgage means your interest rate stays the same for a set period, so your monthly payments don’t change 📊

✔️ Stable payments
✔️ Easier budgeting
✔️ No surprises if rates go up

I can help you explore your options 😊
Your home may be repossessed if you do not keep up repayments on your
mortgage.

08/04/2026

Hi everyone 👋

I’m a mortgage & protection adviser offering support with:
• Mortgages
• Insurance

If you’re thinking about buying a home or want to protect your finances, feel free to reach out – happy to help 😊

📩 Message me anytime

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

08/04/2026

🏡 Thinking about applying for a mortgage?
Here are 6 key steps to boost your chances of approval:

✅ Check your credit score
A strong credit history can unlock better mortgage options – keep up with payments and reduce debts.

✅ Save for a larger deposit
The bigger your deposit (ideally around 20%), the better your mortgage terms.

✅ Show stable income
Lenders prefer steady employment (at least 2 years). Have your payslips and tax returns ready.

✅ Lower your debt-to-income ratio
Reducing existing debt improves your financial profile.

✅ Avoid large purchases
Hold off on big spending or opening new credit accounts before applying.

✅ Plan for additional costs
Budget for fees such as solicitor costs and property surveys.

💡 Preparation is key to success!

📩 Need guidance? Get in touch today – I’m here to help.

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

31/03/2026

🏦 Think going straight to your bank for a mortgage is always best?
Your bank might be the most familiar option, but it’s not always the most flexible.

💡 I have access to a wide panel of lenders, which means you could find:
✔ a better rate
✔ lower fees
✔ a lender who truly understands your unique situation

Don’t limit yourself to just one bank – explore all your options!

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

23/03/2026

🏡 Nothing beats the feeling of owning your first home!

It’s an exciting step and a big achievement 💫
Now is a great time to get on the property ladder — and I’m here to help you every step of the way.

Thinking about your first home? Send me a message 📩

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

09/03/2026

Buying Your First Home Together? Here’s What to Know 🏡
Two incomes, one mortgage — buying as a couple comes with
its own set of challenges! From joint applications to budgeting,
it’s important to make sure you’re both on the same page. ✅
Top Tips for Couples:
💡 Communicate openly about your finances
💡 Agree on a realistic budget
💡 Understand joint mortgage applications
💡 Plan for future expenses together
Need help navigating your first home purchase? I can guide you
every step of the way. 🏠💛
Your home may be repossessed if you do not keep up
repayments on your mortgage.