Exe Mortgages Ltd

10/06/2026

🏡 Small Changes = Big Difference When Applying for a Mortgage

Many people focus on saving a larger deposit, but often it's the small improvements that can make the biggest impact on a mortgage application.

Before you apply, consider these simple steps:

✅ Check your credit report for errors
✅ Avoid taking on new credit or finance agreements
✅ Stay within your overdraft and credit card limits
✅ Keep your bank accounts well managed
✅ Make sure you're registered on the electoral roll
✅ Reduce unnecessary monthly commitments where possible

Lenders look at the whole picture, and even minor changes can improve affordability and strengthen your application.

Thinking about buying your first home, moving house, or remortgaging? A little preparation now could increase your chances of securing the mortgage you need.

If you'd like to understand how mortgage lenders assess applications, feel free to get in touch.

09/06/2026

Meet the Team 👋

Richard Green - Mortgage, Equity Release & Protection Consultant

When asked what movie genre Richard's work style would be, he answered 'superhero action-comedy'. We'll let you be the judge of that!...

Get to know him with the second instalment of our meet the team series ✨

03/06/2026

🏡 Another challenging mortgage case successfully completed!

Our client was a first-time buyer who had recently moved from employment into self-employment and had just one year's accounts available. They had found their dream family home, a beautiful character property dating back to the late 1800s with a large garden, outbuildings and plenty of potential.

However, the journey wasn't straightforward.
✔️ Only one year's self-employed income
✔️ 90% loan-to-value mortgage required
✔️ Structural movement identified during valuation
✔️ Multiple structural reports needed
✔️ More than two months from application to offer

Keen to see how they got on and how our team secured their mortgage? Have a read of our latest case study: https://tinyurl.com/exefbcs022626

If you're self-employed, have a complex property purchase, or have been told your situation might be difficult, get in touch. There may be solutions available with the right advice and lender knowledge.

📞 Contact us to discuss your mortgage options: 01404 813050

Our client was a first-time buyer who was currently renting and looking to purchase what they hoped would become their long-term family home.

02/06/2026

🏡 Self-Employed and Only Have 1 Year's Accounts?

Good news, getting a mortgage may still be possible.

While many lenders prefer to see 2–3 years of accounts, some will consider applications from self-employed people with just 1 year's trading history.

Factors that can help include:
✅ Strong first-year income
✅ Experience in your industry
✅ A good credit history
✅ A larger deposit

Every lender has different criteria, so it's important to explore your options before applying.

If you're self-employed and wondering where you stand, feel free to get in touch for a chat👇

30/05/2026

Meet the Team 👋

Emma Down - Mortgage & Protection Consultant

Known for her organised inbox, and humming or singing along to the radio in the office, Emma is our resident karaoke queen and one of our Mortgage & Protection Consultants.

Get to know her with the first instalment of our meet the team series ✨

28/05/2026

🏠 Big changes are here for the UK rental market and for savvy landlords, there's plenty of reason to be optimistic.

The Renters' Rights Act is now in force, bringing the biggest shake-up to private renting in 40 years. No more no-fault evictions. Rolling tenancies. Stricter rent increase rules.

But here's what the headlines aren't telling you: average buy-to-let yields hit 6.6% in 2025, and rents are forecast to rise 12% by 2030.

The era of the passive landlord may be over. The era of the professional one? Just getting started. 💼

👇 Read our full breakdown including what the Act means for tenants, what it means for landlords, and what the next 6 months really look like.

https://tinyurl.com/exefb280526

25/05/2026

So, you’re thinking about becoming a landlord? 💭🏠🔑

Investing in a buy-to-let property can be a great way to build long-term wealth and generate rental income.

Despite changes to tax rules and higher interest rates, the UK buy-to-let market continues to attract investors looking to benefit from strong tenant demand and potential capital growth.

Before you take the plunge, it’s worth considering:
✔ Your deposit requirements (typically 20–25%)
✔ Expected rental income
✔ Mortgage affordability and interest rates
✔ Landlord responsibilities and legal obligations
✔ Ongoing costs such as maintenance, insurance, and letting fees

Choosing the right buy-to-let mortgage is just as important as choosing the right property.

Whether you're a first-time landlord or expanding your portfolio, our expert advisers can help you understand your options and find a mortgage that suits your investment goals ✅

📩 Get in touch for friendly, expert advice on buy-to-let mortgages in the UK.

23/05/2026

🏡 Wondering what a lifetime mortgage is?

If you're 55 or over, a lifetime mortgage could allow you to access some of the money tied up in your home, without having to move.

One of the reasons many people in the UK choose a lifetime mortgage is that monthly repayments are often optional. That means you can free up cash to enjoy retirement, help family with monetary gifts, make home improvements, or simply give yourself a little extra financial breathing space.

The loan is usually repaid when your home is sold, typically when you move into long-term care or pass away.

Of course, equity release isn’t right for everyone, which is why it’s so important to get expert advice.

If you’d like to understand what equity release is and whether a lifetime mortgage could be suitable for you, we’re here to help with friendly, no-obligation advice.

📩 Send us a message or get in touch for a free chat.

21/05/2026

💡 Ever wondered what a lifetime mortgage is, and how equity release actually works?

If you're a homeowner aged 55+, you might be sitting on more financial freedom than you realise, and our latest guide breaks it all down in plain English.

We cover:
✅ What a lifetime mortgage is
✅ How interest roll-up works
✅ Why people choose equity release
✅ The impact on your inheritance
✅ Whether you might be eligible

Equity release isn't right for everyone, but understanding your options is always a good place to start.

👉 Read the full guide https://tinyurl.com/exefb210526

Have questions? We're always happy to chat. Drop us a message or give us a call.

⚠️ This post is for information purposes only and does not constitute financial advice. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.

20/05/2026

🏡 Keen to access money tied up in your home without moving?

If you're aged 55 or over, equity release could help you unlock tax-free cash from your property's value while you continue to live in the home you love.

Whether you're looking to:
✔ Supplement your retirement income
✔ Help family onto the property ladder
✔ Pay off an existing mortgage
✔ Fund home improvements
✔ Enjoy greater financial freedom

Equity release may be a flexible solution worth exploring.

As specialist mortgage advisers, we’ll explain your options clearly and help you decide whether equity release is right for your circumstances.

📞 Get in touch today for a free, no-obligation chat.