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Where Can I Find A Mortgage - With Sabrina Tedford

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Where Can I Find A Mortgage - With Sabrina Tedford

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I am your local mortgage advisor working hours to suit you. If you need 8pm on a Sunday evening I will do it.

I understand people are busy so wish to accommodate where I can.
07709124059

31/10/2026

🎃👻 HAPPY HALLOWEEN EVERYONE! 👻🎃

Wishing you all a spooktacular Halloween filled with treats, laughter and lots of fun! 🧡🖤

While Halloween is all about the spooky surprises, there are some things in life we don’t want to leave to chance! 😉🏡

🏡 Mortgages – Helping you find your place to call home.

🛡️ Protection – Helping protect you and your loved ones against life's unexpected twists and turns.

📜 Wills – Making sure your wishes are known and your loved ones are considered.

✍️ Lasting Powers of Attorney (LPAs) – Planning ahead so the right people can help make decisions if you’re unable to.

Because some things are better planned for than left to fate! 👻✨

Have a fang-tastic Halloween, stay safe, enjoy the treats and try not to eat all the sweets in one go! 🍬🍫

🧡 From all of us at Where Can I Fina A Mortgage, wishing you a happy and spooky Halloween! 🖤

[email protected] 07709 124 059
[email protected] 07950 322607

🎃

30/10/2026

YOU DON’T NEED A MORTGAGE TO NEED PROTECTION! 💙

Many people think protection is only important when you buy a house, but the truth is, protecting yourself and your loved ones matters at every stage of life. 🏡❤️

Whether you rent, live with family, are single, have children or are just starting your career, life can be unpredictable.

✨ Have you thought about what would happen if you could no longer work due to illness?

✨ How would you manage financially if your income suddenly stopped?

✨ Would your loved ones be financially supported if the unexpected happened?

Protection isn't just about covering a mortgage. It's about helping to protect your income, your lifestyle and the people who matter most to you.

💡 Don't wait until you have a mortgage to start thinking about protection. The right cover can help provide peace of mind and financial security when life takes an unexpected turn.

📩 Want to understand what protection options could be right for you? Get in touch for a friendly chat.
[email protected]
[email protected]

Protect your future. Protect your loved ones. Because life doesn't wait until you're a homeowner. 💙

Your home may be at risk if you do not keep up your repayments on your mortgage or other loan secured on it

28/10/2026

🏡 Think you only need a Will when you get a mortgage? Think again!

You don’t have to own a house, be married or be a certain age to make a Will.

💙 A Will is about more than property. It’s about protecting the people you love, making your wishes known and planning for the unexpected.

✨ Whatever your age or stage of life, it’s never too early to start thinking about your future.

Don’t wait for a mortgage. Make a Will a part of your plans today.

📩 Message us to find out more!
[email protected]
[email protected]
Call 07709 124059

Your home may be at risk if you do not keep up your mortgage payments or other loan secured on it

26/10/2026

🏡 Your mortgage should fit your life, not the other way around! 💚

Buying a home is one of life’s biggest milestones, and finding the right mortgage is just as important as finding the right property. 🔑

Everyone’s circumstances are different, so it’s important to find a mortgage that suits your needs, your budget, and your future plans.

Whether you’re a first-time buyer, looking to remortgage, or moving to your next home, taking the time to explore your options can make all the difference. 🏠✨

💬 Let’s find a mortgage that works for YOU!

📩 Get in touch today to start your journey towards finding the right mortgage for you.
Sabrina 07709 124059
Jasmin 07950 322607
[email protected]
[email protected]

YOUR HOME MAY BE REPOSSESSED IF YOUR MORTGAGE PAYMENTS OR OTHER LOAN SECURED ON IT ARE NOT MET

24/09/2026

🌟 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗲𝘀: 𝟱 𝗩𝗶𝘁𝗮𝗹 𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 🌟

Considering equity release as a retiree? Unlocking your property's value can offer financial flexibility, but it's not without its implications. Here's a concise guide with five crucial questions you should consider:

- Eligibility Matters: Are you at least 55 with a home worth £70,000+? Understand the criteria to ensure you're a candidate for a lifetime mortgage.

- Funding Goals: Determine your financial needs. Do you seek a comfort boost or need funds for a significant project? Consider if this is the most suitable route for your financial future. People choose lifetime mortgage for all sorts of reasons, such as:

✅ To give their income a boost and live more comfortably
✅ To pay off debts
✅ To fund a bigger project, such as home renovations or modifications
✅ To help family members out financially
✅ To pay for care or medical treatment

- Your Home & Future Flexibility: Gauge your willingness to move or downsize. Think long-term about accessibility and proximity to loved ones, comparing this to the benefits of staying put.

- Inheritance Intentions: Weigh the importance of leaving property wealth to your heirs. Remember, a lifetime mortgage could erode the value of your estate, though some plans allow inheritance protection.

- Exploring Alternatives: Is equity release your best option? Downsizing or delving into other assets might be more beneficial. Seek financial advice to explore all avenues.

Before advancing with a lifetime mortgage, pivot your decision-making process around these questions and consult with a financial adviser to chart the best path forward.

16/09/2026

🏠 Thinking About Getting a Mortgage? Don’t Ignore Your Credit Score!

Your credit score can play an important role when you apply for a mortgage. Lenders may look at your credit history alongside your income, affordability, existing commitments, and other information when assessing your application.

💡 A few simple ways to keep your credit profile healthy:

✅ Make your payments on time
✅ Keep credit balances manageable
✅ Avoid making lots of credit applications in a short period
✅ Check your credit report for errors
✅ Keep your financial commitments under control
✅ Give yourself time to prepare before applying for a mortgage

📌 Remember: There isn’t one universal credit score that guarantees mortgage approval. Different lenders have different criteria, and your overall financial circumstances matter.

If you’re considering buying a home or remortgaging, getting your finances organised early can make the process much smoother. 🏡

Planning your next move? Start preparing before you apply.

Contact the team today on 07709 124 059
Email [email protected]

15/09/2026

🏡 Why is using a mortgage broker so important?

Getting a mortgage isn’t just about finding the lowest interest rate. It’s about finding the right mortgage for you. 🔑

A mortgage broker can:

✅ Search across a wide range of lenders and mortgage products
✅ Help you understand what you can realistically afford
✅ Know which lenders are more likely to accept your circumstances
✅ Save you time by handling the application process
✅ Help you navigate complicated paperwork and lender requirements
✅ Provide guidance when your circumstances aren’t straightforward
✅ Support you from application through to completion

Every person’s circumstances are different, and the mortgage that works for one person may not be the right choice for another.

Having the right mortgage advice can make the whole process feel much less stressful. 🤝

If you’re thinking about buying, remortgaging, moving home or just want to understand your options, it’s never too early to have a conversation.

📩 Get in touch today and let’s see what options may be available to you.
[email protected]
07709124059

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

14/09/2026

💭 Wills: Let’s bust a few myths…

There are plenty of misconceptions about wills, and putting off making one can create unnecessary stress for the people you leave behind.

Here are a few common myths:

❌ “I’m too young to need a will.”
There’s no “right age” to make a will. If you have a home, savings, investments, a business, children, or other people you want to provide for, it’s worth thinking about.

❌ “My partner will automatically inherit everything.”
This isn’t necessarily the case. What happens when someone dies without a valid will depends on the applicable intestacy rules — and unmarried partners can be particularly vulnerable.

❌ “Making a will is only about who gets my money.”
A will can cover much more than finances. It can help set out your wishes about your estate and, where relevant, who you would like to look after your children.

❌ “Once I’ve made a will, I can forget about it.”
Life changes. Marriage, divorce, children, property purchases and changes in your finances can all be reasons to review your will.

❌ “My family knows what I want, so I don’t need a will.”
Even if everyone knows your wishes, putting them into a properly executed will can provide clarity and help reduce the potential for disputes.

📌 The biggest myth?
“That making a will can wait.”

None of us knows what the future holds. Taking the time to put your wishes in writing could make things much easier for the people you care about.

This post is for general information only and isn’t a substitute for advice tailored to your circumstances.

Contact our team today for more information [email protected]
07709124059

07/08/2026

I am now on annual leave. I will be back in the office Monday 17th August. I will still be checking emails and messages but might not be able to respond straight away.

03/08/2026

Two accountants can look at the same business and describe it two different ways. So can two lenders.

Salary and dividends, or net profit. One year of accounts, or two, or three. Retained profit counted, or ignored entirely. Self-employed income is not read to a single standard, which is why one answer is not the answer.

If you have been told no once, that was one view of your figures.

Send us the shape of your situation and we will look at it properly…

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE BUY TO LET MORTGAGES, COMMERCIAL MORTGAGES AND BRIDGING LOANS.
© 2025 Where Can I Find a Mortgage Ltd is registered in Scotland. No. SC843689. Registered Office: Suite 204, Old Embroidery Mill, Abbey Mill Business Centre, Paisley, Scotland, PA1 1TJ.
Where Can I Find a Mortgage Ltd is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority

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Parker Crescent
Ormskirk
L391PJ

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 4pm
Sunday	10am - 5pm

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