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Mortgages Inc

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Mortgages Inc

Mortgages Inc. Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority.

Ltd, registered as a limited company in England and Wales under company number: 05051867. Registered Company Address: Rectory Mews, Crown Road, Wheatley, Oxfordshire OX33 1UL. Your mortgage payment is most likely your largest financial commitment so it is vital that you have the right mortgage. With so many mortgage lenders offering so many products the choices can sometimes be daunting. We can guide you through the complexity of today’s mortgage markets. We provide a bespoke mortgage recommendation that is not only suitable for your individual needs, but also as competitive as it can be. We offer a comprehensive range of mortgages from the whole of the market and have access to exclusive rates not always available on the high street. Our level of service and access to market-leading products means we are perfectly placed to find the right mortgage for you. We can advise on the following:

* Purchase Mortgages
* Remortgages
* Buy to Lets
* Life Cover
* Critical Illness Cover
* Income Protection
* Home Insurance
* Accident, Sickness and Unemployment Cover

Coming Soon:

* Equity Release

We can also refer you to our trusted partners for the following:

* Commercial Mortgages
* Secured Loans
* Bridging Finance
* Development Finance
* Will Writing
* Private Medical Insurance

Wills, Commercial Finance and some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

30/10/2026

On 28th October, the government announced its Autumn Budget, with changes that could affect homeowners, first-time buyers, families and household finances.

Whether you're looking to buy, move home, remortgage or simply keep on top of your finances, you might be wondering what it all means for you.

𝐇𝐞𝐫𝐞 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐤𝐞𝐲 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬:

🏡𝐇𝐨𝐮𝐬𝐢𝐧𝐠 & 𝐅𝐢𝐫𝐬𝐭-𝐓𝐢𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬

• First-time buyer support: The new Your First Home scheme is expected to open for applications in February 2027, helping eligible buyers purchase new-build homes in England with a minimum 2.5% deposit and a 20% government equity loan, interest-free for five years.

• ISA changes: A new First Time Buyer ISA is planned from April 2029. Meanwhile, the Lifetime ISA withdrawal charge for qualifying purchases above £450,000 reduces from 25% to 20% from 29 October 2026.

• Property taxes: Stamp Duty remains unchanged, but income tax rates on property income will rise by 2 percentage points from April 2027 in England, Wales and Northern Ireland.

💰𝐒𝐚𝐯𝐢𝐧𝐠𝐬 & 𝐏𝐞𝐧𝐬𝐢𝐨𝐧𝐬

• Cash ISAs: The annual £20,000 allowance will remain unchanged.

• State Pension: A new Pension Tax Allowance is planned from April 2027 for eligible pensioners with income at or below the full new State Pension.

⚡𝐄𝐧𝐞𝐫𝐠𝐲 𝐁𝐢𝐥𝐥𝐬 & 𝐋𝐢𝐯𝐢𝐧𝐠 𝐂𝐨𝐬𝐭𝐬

• Energy Support: Electricity VAT relief is extended until July 2027, with a £100 payment planned from January 2027 for households in Council Tax bands A–D in England. Check your Council Tax band here.

• Gas bills: Plans to abolish daily gas standing charges by the end of 2027 could change how households pay for their energy.

• Fuel duty: The temporary 5p fuel duty cut and freeze will continue until 1 July 2027.

👨‍👩‍👧‍👦𝐏𝐚𝐲 & 𝐅𝐚𝐦𝐢𝐥𝐲 𝐒𝐮𝐩𝐩𝐨𝐫𝐭

• Minimum wage: From April 2027 , The National Living Wage will rise by 3.9% to £13.21 per hour for those aged 21 and over and £ 11.27 for those aged 18 – 20.

• Parental support: Paid parental support will extend to eligible self-employed fathers, partners and adopters from April 2029.

🧑‍💼𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 & 𝐒𝐞𝐥𝐟-𝐄𝐦𝐩𝐥𝐨𝐲𝐞𝐝
• Side hustles: From 6 April 2027, the tax-free trading allowance is set to increase from £1,000 to £3,000 a year, allowing eligible individuals to earn more from side hustles or small-scale trading without paying income tax on those earnings.

• Business rates: From April 2027, the threshold for 100% Small Business Rate Relief will increase to £18,000 rateable value for qualifying retail, hospitality and leisure properties in England, alongside a two-year real-terms rates freeze.

• Mileage allowances: The tax-free rate for the first 10,000 qualifying business miles remains at 55p per mile, while the rate above 10,000 miles increases to 35p from April 2027.

🏡 𝐖𝐡𝐚𝐭 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?

Although the Budget doesn't directly set mortgage rates, changes to the wider economy can influence the mortgage market.

If your mortgage deal is coming to an end in the next 6 months, you're thinking about moving or you'd like to review your mortgage or insurance arrangements, we're here to help.

👉📞 𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

No fee is payable for our services in relation to mortgage contracts. We will be paid commission by the lender, the amount of the commission due to be paid is available upon request and will be disclosed via the mortgage illustration.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

29/10/2026

🚨 𝐓𝐡𝐢𝐧𝐤 𝐲𝐨𝐮’𝐫𝐞 𝐮𝐧𝐢𝐧𝐬𝐮𝐫𝐚𝐛𝐥𝐞? 𝐓𝐡𝐢𝐧𝐤 𝐚𝐠𝐚𝐢𝐧!

Have you been told you can’t get cover because of a medical condition? Or are you putting off applying because you assume you’ll be declined?

Don’t rule yourself out before you’ve explored your options!

❤️ A pre-existing medical condition doesn’t automatically mean you can’t get life insurance or income protection.

💪 Some insurers may offer cover where others won’t.

🔎 The right adviser can help you explore different insurers and find out what options may be available to you.

Every situation is different, and the terms of cover will depend on your individual circumstances.

The important thing is not to assume the answer is no before you’ve asked!

❌ Don’t assume.
❌ Don’t give up.
✅ Explore your options.

📩 𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐭𝐨𝐝𝐚𝐲. 𝐘𝐨𝐮 𝐦𝐚𝐲 𝐡𝐚𝐯𝐞 𝐦𝐨𝐫𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤!

👉📞𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

28/10/2026

🏡 𝐎𝐰𝐧 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐨𝐧𝐞 𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐛𝐮𝐲-𝐭𝐨-𝐥𝐞𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬?

𝐆𝐨𝐨𝐝 𝐧𝐞𝐰𝐬 𝐟𝐨𝐫 𝐥𝐚𝐧𝐝𝐥𝐨𝐫𝐝𝐬! 🎉

One of the UK's largest buy-to-let lenders has just relaxed its criteria, making it easier for landlords who own properties through multiple limited companies to access mortgage finance.

Previously, directors and shareholders could be restricted to having just one limited company with this lender.

𝐓𝐡𝐚𝐭'𝐬 𝐧𝐨𝐰 𝐜𝐡𝐚𝐧𝐠𝐞𝐝! 🙌

✅ Landlords can now have mortgages across multiple limited companies (SPVs) with the same lender.
✅ More flexibility for landlords looking to expand or restructure their portfolios.
✅ Greater options for those investing alongside different business partners.

This is a welcome change for portfolio landlords who want more flexibility in how they manage their property investments, whilst still achieving competitive interest rates.

📩𝐇𝐚𝐯𝐞 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 𝐚𝐜𝐫𝐨𝐬𝐬 𝐦𝐮𝐥𝐭𝐢𝐩𝐥𝐞 𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐜𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬? 𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐭𝐨 𝐬𝐞𝐞 𝐰𝐡𝐚𝐭 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐭𝐨 𝐲𝐨𝐮!

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

No fee is payable for our services in relation to mortgage contracts. We will be paid commission by the lender, the amount of the commission due to be paid is available upon request and will be disclosed via the mortgage illustration.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

22/10/2026

𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐠𝐨𝐭 𝐲𝐨𝐮𝐫 𝐚𝐟𝐟𝐚𝐢𝐫𝐬 𝐢𝐧 𝐨𝐫𝐝𝐞𝐫 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞?

Life insurance helps protect the people you love financially, but have you also thought about making things easier for them by getting your important information and wishes organised?

Introducing 𝐙𝐮𝐫𝐢𝐜𝐡 𝐋𝐢𝐟𝐞𝐕𝐚𝐮𝐥𝐭 – a secure digital solution available at no extra cost to eligible Zurich customers, helping you plan ahead and keep everything in one place.

With Zurich LifeVault, you can:

• Create a will.
• Set up a Lasting Power of Attorney.
• Record your funeral wishes.
• Write personal legacy letters to loved ones.
• Keep track of your financial assets.
• Securely share your plans with people you trust.

𝐀 𝐥𝐢𝐭𝐭𝐥𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐭𝐨𝐝𝐚𝐲 𝐜𝐨𝐮𝐥𝐝 𝐦𝐚𝐤𝐞 𝐚 𝐛𝐢𝐠 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰.

Get started at your own pace and take a positive step towards preparing for the future.

Whether you want to check your existing life insurance, explore your protection needs or make sure your arrangements are right for you and your family, I'd be happy to help.

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐭𝐨𝐝𝐚𝐲 𝐟𝐨𝐫 𝐚 𝐜𝐡𝐚𝐭 – 𝐥𝐞𝐭'𝐬 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐲𝐨𝐮 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐥𝐨𝐯𝐞𝐝 𝐨𝐧𝐞𝐬 𝐚𝐫𝐞 𝐚𝐬 𝐩𝐫𝐞𝐩𝐚𝐫𝐞𝐝 𝐚𝐬 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞.

👉📞 𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

21/10/2026

🏡𝐖𝐨𝐫𝐫𝐢𝐞𝐝 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞 𝐂𝐨𝐮𝐥𝐝 𝐇𝐨𝐥𝐝 𝐘𝐨𝐮 𝐁𝐚𝐜𝐤 𝐅𝐫𝐨𝐦 𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞?

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳𝐇𝐞𝐫𝐞 𝐚𝐫𝐞 𝐚 𝐟𝐞𝐰 𝐰𝐚𝐲𝐬 𝐲𝐨𝐮 𝐜𝐨𝐮𝐥𝐝 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞:

✅ Register on the electoral roll.
✅ Pay bills and credit repayments on time.
✅ Keep credit card balances low.
✅ Avoid making multiple credit applications in a short period.
✅ Check your credit report for any errors.

🏡 𝐁𝐮𝐭 𝐰𝐡𝐚𝐭 𝐢𝐟 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞 𝐬𝐭𝐢𝐥𝐥 𝐢𝐬𝐧'𝐭 𝐪𝐮𝐢𝐭𝐞 𝐡𝐢𝐠𝐡 𝐞𝐧𝐨𝐮𝐠𝐡?
𝐓𝐡𝐞𝐫𝐞'𝐬 𝐬𝐨𝐦𝐞 𝐠𝐨𝐨𝐝 𝐧𝐞𝐰𝐬!

I have access to a lender offering a specialist mortgage range called 𝐑𝐞𝐚𝐜𝐡, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

✨ Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

📩 Don't rule yourself out! Let's explore what's possible.

👉📞𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

No fee is payable for our services in relation to mortgage contracts. We will be paid commission by the lender, the amount of the commission due to be paid is available upon request and will be disclosed via the mortgage illustration.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

16/10/2026

“𝐈 𝐝𝐨𝐧’𝐭 𝐧𝐞𝐞𝐝 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞…” - 𝐔𝐧𝐭𝐢𝐥 𝐲𝐨𝐮 𝐝𝐨.

It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t happen to me.”

And hopefully, it won’t. ❤️

But what if life had other plans?

🏡 Your mortgage still needs paying.
💷 Your bills don’t stop.
👨‍👩‍👧 Your family still needs supporting.
💰 And your savings? They could disappear quicker than you think.

𝐇𝐞𝐫𝐞’𝐬 𝐭𝐡𝐞 𝐫𝐞𝐚𝐥𝐢𝐭𝐲: £𝟓.𝟏𝟓 𝐁𝐈𝐋𝐋𝐈𝐎𝐍 𝐰𝐚𝐬 𝐩𝐚𝐢𝐝 𝐨𝐮𝐭 𝐢𝐧 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞, 𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐚𝐧𝐝 𝐢𝐧𝐜𝐨𝐦𝐞 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐜𝐥𝐚𝐢𝐦𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐔𝐊 𝐝𝐮𝐫𝐢𝐧𝐠 𝟐𝟎𝟐𝟓.

📈 𝟗𝟕.𝟗% 𝐨𝐟 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐜𝐥𝐚𝐢𝐦𝐬 𝐰𝐞𝐫𝐞 𝐩𝐚𝐢𝐝 𝐢𝐧 𝟐𝟎𝟐𝟓.
𝐓𝐡𝐚𝐭’𝐬 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐫𝐞𝐚𝐜𝐡𝐢𝐧𝐠 𝐩𝐞𝐨𝐩𝐥𝐞 𝐰𝐡𝐞𝐧 𝐥𝐢𝐟𝐞 𝐝𝐢𝐝𝐧’𝐭 𝐠𝐨 𝐭𝐨 𝐩𝐥𝐚𝐧.

So, here’s one question worth asking yourself:

𝐈𝐟 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐝𝐢𝐬𝐚𝐩𝐩𝐞𝐚𝐫𝐞𝐝 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰, 𝐡𝐨𝐰 𝐥𝐨𝐧𝐠 𝐜𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲 𝐦𝐚𝐧𝐚𝐠𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐥𝐲?

A week? A month? Six months?

If you’re not sure, isn’t it worth finding out before you need the answer?
You don’t need to have all the answers today. You just need to take the first step.

📩 Send me a message for a friendly chat about your options. Let’s see what you already have in place, identify any gaps and explore what you could do to protect your financial future.

👉📞 𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

𝐁𝐞𝐜𝐚𝐮𝐬𝐞 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐭𝐡𝐢𝐧𝐤 𝐚𝐛𝐨𝐮𝐭 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐢𝐬 𝐰𝐡𝐢𝐥𝐞 𝐲𝐨𝐮 𝐬𝐭𝐢𝐥𝐥 𝐡𝐚𝐯𝐞 𝐭𝐡𝐞 𝐜𝐡𝐨𝐢𝐜𝐞.

14/10/2026

🏡 𝐀 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐰𝐢𝐭𝐡 𝐍𝐎 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬? 𝐘𝐞𝐬, 𝐢𝐭'𝐬 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞!

For high-net-worth individuals with significant assets or complex income, traditional mortgages aren't always the best fit.

A new specialist mortgage product has launched, offering borrowing of £1 million to £12.5 million, without the need to make regular monthly mortgage repayments.

💰𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐰𝐨𝐫𝐤?
Rather than making monthly payments, the interest is added to the outstanding mortgage balance. The original loan and accumulated interest are then repaid at the end of the mortgage term.

𝐖𝐡𝐨 𝐜𝐨𝐮𝐥𝐝 𝐪𝐮𝐚𝐥𝐢𝐟𝐲?
✔️ Net annual income of at least £300,000 OR
✔️ Net assets of at least £3 million

𝐖𝐡𝐲 𝐦𝐢𝐠𝐡𝐭 𝐭𝐡𝐢𝐬 𝐛𝐞 𝐮𝐬𝐞𝐟𝐮𝐥?
It could allow you to release funds without having to sell investments or other long-term assets, whether that's for property investment, business purposes or wider financial planning.

𝐀𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐟𝐨𝐫 𝐛𝐨𝐭𝐡 𝐫𝐞𝐬𝐢𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐚𝐧𝐝 𝐁𝐮𝐲-𝐭𝐨-𝐋𝐞𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 𝐢𝐧 𝐄𝐧𝐠𝐥𝐚𝐧𝐝 𝐚𝐧𝐝 𝐖𝐚𝐥𝐞𝐬.
⚠️ Interest accumulates over the term, increasing the amount owed. A suitable repayment strategy is essential, and lending is subject to eligibility and affordability assessments.

📩𝐇𝐚𝐯𝐞 𝐬𝐢𝐠𝐧𝐢𝐟𝐢𝐜𝐚𝐧𝐭 𝐚𝐬𝐬𝐞𝐭𝐬 𝐛𝐮𝐭 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐞 𝐟𝐥𝐞𝐱𝐢𝐛𝐥𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧? 𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐭𝐨 𝐞𝐱𝐩𝐥𝐨𝐫𝐞 𝐲𝐨𝐮𝐫 𝐨𝐩𝐭𝐢𝐨𝐧𝐬.

👉📞 𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

No fee is payable for our services in relation to mortgage contracts. We will be paid commission by the lender, the amount of the commission due to be paid is available upon request and will be disclosed via the mortgage illustration.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

09/10/2026

🏡 𝐂𝐨𝐮𝐥𝐝 𝐚 𝟐.𝟓% 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐛𝐞 𝐞𝐧𝐨𝐮𝐠𝐡 𝐭𝐨 𝐛𝐮𝐲 𝐲𝐨𝐮𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞?

The Government has announced plans for 𝐘𝐨𝐮𝐫 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞: a new scheme designed to help 𝐟𝐢𝐫𝐬𝐭-𝐭𝐢𝐦𝐞 𝐛𝐮𝐲𝐞𝐫𝐬 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐚 𝐧𝐞𝐰 𝐛𝐮𝐢𝐥𝐝 𝐟𝐫𝐨𝐦 𝐩𝐚𝐫𝐭𝐢𝐜𝐢𝐩𝐚𝐭𝐢𝐧𝐠 𝐝𝐞𝐯𝐞𝐥𝐨𝐩𝐞𝐫𝐬.

The proposed scheme could mean:

🔑 𝐉𝐮𝐬𝐭 𝐚 𝟐.𝟓% 𝐝𝐞𝐩𝐨𝐬𝐢𝐭
🏠 𝟐𝟎% 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭-𝐛𝐚𝐜𝐤𝐞𝐝 𝐞𝐪𝐮𝐢𝐭𝐲 𝐥𝐨𝐚𝐧
💷 𝐀 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐫𝐞𝐦𝐚𝐢𝐧𝐢𝐧𝐠 𝐚𝐦𝐨𝐮𝐧𝐭

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 𝟐𝟖𝐭𝐡 𝐎𝐜𝐭𝐨𝐛𝐞𝐫 𝟐𝟎𝟐𝟔, with full details due at the 𝐀𝐮𝐭𝐮𝐦𝐧 𝐁𝐮𝐝𝐠𝐞𝐭.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide 𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝐫𝐨𝐮𝐭𝐞 𝐨𝐧𝐭𝐨 𝐭𝐡𝐞 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐥𝐚𝐝𝐝𝐞𝐫. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

👉📞𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

Full scheme details and eligibility are still to be confirmed.

No fee is payable for our services in relation to mortgage contracts. We will be paid commission by the lender, the amount of the commission due to be paid is available upon request and will be disclosed via the mortgage illustration.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

08/10/2026

🏠𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐇𝐚𝐬 𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞𝐝. 𝐁𝐮𝐭 𝐖𝐡𝐚𝐭 𝐈𝐟 𝐘𝐨𝐮𝐫 𝐈𝐧𝐜𝐨𝐦𝐞 𝐃𝐢𝐝𝐧’𝐭?

With mortgage payments putting more pressure on household budgets, it’s understandable that you might be thinking:

“𝐈 𝐜𝐚𝐧’𝐭 𝐚𝐟𝐟𝐨𝐫𝐝 𝐭𝐨 𝐩𝐚𝐲 𝐟𝐨𝐫 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰.”

But there’s another question worth asking…

𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐚𝐟𝐟𝐨𝐫𝐝 𝐭𝐨 𝐩𝐚𝐲 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐢𝐟 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐨𝐫 𝐢𝐧𝐣𝐮𝐫𝐲 𝐬𝐭𝐨𝐩𝐩𝐞𝐝 𝐲𝐨𝐮 𝐰𝐨𝐫𝐤𝐢𝐧𝐠?

Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.

That’s why it’s worth considering:

💷 𝐈𝐧𝐜𝐨𝐦𝐞 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 – 𝐂𝐨𝐮𝐥𝐝 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐚 𝐫𝐞𝐠𝐮𝐥𝐚𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐢𝐟 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐨𝐫 𝐢𝐧𝐣𝐮𝐫𝐲 𝐩𝐫𝐞𝐯𝐞𝐧𝐭𝐬 𝐲𝐨𝐮 𝐟𝐫𝐨𝐦 𝐰𝐨𝐫𝐤𝐢𝐧𝐠.

❤️ 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐂𝐨𝐯𝐞𝐫 – 𝐂𝐨𝐮𝐥𝐝 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐚 𝐥𝐮𝐦𝐩 𝐬𝐮𝐦 𝐟𝐨𝐥𝐥𝐨𝐰𝐢𝐧𝐠 𝐚 𝐪𝐮𝐚𝐥𝐢𝐟𝐲𝐢𝐧𝐠 𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬.

👨‍👩‍👧 𝐋𝐢𝐟𝐞 𝐂𝐨𝐯𝐞𝐫 – 𝐂𝐨𝐮𝐥𝐝 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐥𝐲 𝐢𝐟 𝐲𝐨𝐮 𝐝𝐢𝐞.

You don’t necessarily need to protect everything at once.

The right level of cover depends on your circumstances, budget and priorities.

If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐭𝐨𝐝𝐚𝐲. 𝐋𝐞𝐭’𝐬 𝐫𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐟𝐢𝐧𝐝 𝐚𝐧 𝐨𝐩𝐭𝐢𝐨𝐧 𝐭𝐡𝐚𝐭 𝐟𝐢𝐭𝐬 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭, 𝐬𝐨 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐩𝐫𝐨𝐭𝐞𝐜𝐭 𝐰𝐡𝐚𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐦𝐨𝐬𝐭 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐚𝐝𝐝𝐢𝐧𝐠 𝐮𝐧𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐲 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐫𝐞𝐬𝐬𝐮𝐫𝐞.

👉📞𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

01/10/2026

🔍 𝐖𝐡𝐞𝐧 𝐝𝐢𝐝 𝐲𝐨𝐮 𝐥𝐚𝐬𝐭 𝐜𝐡𝐞𝐜𝐤 𝐰𝐡𝐚𝐭 𝐨𝐭𝐡𝐞𝐫 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬 𝐜𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:

🩺 𝟐𝟒/𝟕 𝐆𝐏 𝐚𝐩𝐩𝐨𝐢𝐧𝐭𝐦𝐞𝐧𝐭𝐬
🏥 𝐇𝐨𝐬𝐩𝐢𝐭𝐚𝐥 𝐛𝐞𝐧𝐞𝐟𝐢𝐭 – 𝐚 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐚𝐝𝐦𝐢𝐭𝐭𝐞𝐝 𝐭𝐨 𝐡𝐨𝐬𝐩𝐢𝐭𝐚𝐥
🦴 𝐅𝐫𝐚𝐜𝐭𝐮𝐫𝐞 𝐜𝐨𝐯𝐞𝐫 – 𝐚 𝐥𝐮𝐦𝐩-𝐬𝐮𝐦 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐟𝐨𝐫 𝐜𝐞𝐫𝐭𝐚𝐢𝐧 𝐟𝐫𝐚𝐜𝐭𝐮𝐫𝐞𝐬
🧠 𝐌𝐞𝐧𝐭𝐚𝐥 𝐡𝐞𝐚𝐥𝐭𝐡 𝐬𝐮𝐩𝐩𝐨𝐫𝐭
💪 𝐇𝐞𝐚𝐥𝐭𝐡 & 𝐰𝐞𝐥𝐥𝐛𝐞𝐢𝐧𝐠 𝐬𝐞𝐫𝐯𝐢𝐜𝐞𝐬
👨‍⚕️ 𝐒𝐞𝐜𝐨𝐧𝐝 𝐦𝐞𝐝𝐢𝐜𝐚𝐥 𝐨𝐩𝐢𝐧𝐢𝐨𝐧𝐬
💻 𝐑𝐞𝐦𝐨𝐭𝐞 𝐦𝐞𝐝𝐢𝐜𝐚𝐥 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧𝐬
👨‍👩‍👧 𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲
🎁 𝐋𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞 𝐚𝐧𝐝 𝐰𝐞𝐥𝐥𝐧𝐞𝐬𝐬 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬

𝐀𝐧𝐝 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐩𝐚𝐫𝐭? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

👉📞 𝐂𝐚𝐥𝐥 𝐮𝐬 𝐨𝐫 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 𝐨𝐧 𝟎𝟕𝟑𝟖𝟒 𝟕𝟔𝟔𝟎𝟐𝟗 𝐨𝐫 𝐞𝐦𝐚𝐢𝐥 𝐣𝐚𝐬𝐨𝐧@𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬𝐢𝐧𝐜.𝐜𝐨.𝐮𝐤

Address

30 Elton Crescent, Wheatley
Oxford
OX331UZ

Opening Hours

Monday	9am - 10pm
Tuesday	9am - 10pm
Wednesday	9am - 10pm
Thursday	9am - 10pm
Friday	9am - 10pm
Saturday	9am - 10pm

Website

http://www.mortgagesinc.co.uk/

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