Mark Ashworth - Mortgage and Protection Advisor

16/10/2026

Is your mortgage due for renewal between now and March / April 2027?

With potential rate increases on the horizon, now is the ideal time to explore your options.

This could be a remortgage, or a change of product to take advantage of potential lower rates and improved terms - and if any rates drop before you complete, a broker can lock those lower rates in too. That’s how you know you’re getting the very best deal for you.

📞 07938133404
📧 [email protected]
👨🏼‍💻www.ellis-ridingsmortgagesolutions.co.uk Ellis-Ridings Mortgage Solutions

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

15/10/2026

🚩 5 Red Flags to Mortgage Lenders 🚩

Most people think applying for mortgage is all about your income. It isn’t just that.

Lenders can ask to look at your bank statements too, usually requesting the last 3 months.

Sometimes your finances seem bleak, and a “no” inevitable - but none of these red flags means a definite “no” to a mortgage.
It’s about knowing what to tidy up, when and how, before you apply.

As part of our Discovery Call, I can look ahead and discuss your financial situation; potentially offering advice and creating a plan to improve your options.

📞07938 133 404
📧[email protected]
👨🏼‍💻www.ellis-ridingsmortgagesolutions.co.uk. Ellis-Ridings Mortgage Solutions

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

14/10/2026

🚀 AFFORDABILITY BOOST – COULD YOUR CLIENTS BORROW MORE?

Affordability can be one of the biggest hurdles for homebuyers, but an innovative mortgage initiative could help eligible clients borrow more than they might expect.

🏡 How does it work?

Affordability Boost offers an alternative affordability assessment for qualifying longer-term fixed-rate mortgages, potentially increasing the amount a client can borrow compared with a standard fixed-rate product.

📊 Here's an example:

A couple with one child, a combined annual income of £75,000 and monthly credit commitments of £650 could potentially borrow:

💷 £305,000 with a standard fixed-rate mortgage

🚀 £375,000 with an Affordability Boost mortgage

That's a potential £70,000 increase in borrowing!

🔑 Key features include:

✅ Potential borrowing up to 95% loan-to-value, subject to product criteria

✅ Qualifying fixed-rate products with a minimum initial fixed period of 69 months (5 years and 9 months)

✅ Mortgage terms of up to 40 years, subject to eligibility

✅ Overpayment flexibility, including advertised allowances of 10% annually and an additional monthly allowance of £499.99, subject to the product terms

👥 Who could benefit?

First-time buyers and home movers who are struggling to meet standard affordability requirements may find this worth exploring, provided the longer fixed-rate commitment suits their circumstances.

As always, eligibility, maximum borrowing and product availability depend on the lender's criteria and individual circumstances. It's important to consider the interest rate, monthly repayments, early repayment charges and overall cost before making a recommendation.

At Ellis-Ridings Mortgage Solutions, we believe understanding the options available can make all the difference.

Every time. Right mortgage.

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

09/10/2026

If your income stopped tomorrow, how long would you be ok?

There’s a wealth of reasons that could result in your income to suddenly stop, from illness to redundancy.
The question is, how prepared are you for a sudden stop in your income? Could you pay your mortgage and other financial commitments? Being unable to work shouldn’t make your children unable to attend their swimming lessons, gymnastic class or football coaching.

There’s not always a straight forward answer and the question needs careful consideration. With our expert knowledge, we can support you in finding a protection package that suits your personal needs and budget.

Let us help you to plan ahead.

📞07938 133 404
📧[email protected]
👨🏼‍💻www.ellis-ridingsmortgagesolutions.co.uk Ellis-Ridings Mortgage Solutions

09/10/2026

Had some conversations with different clients lately who were looking to borrow additional funds from their property in order to gift money to their children, and one client who was looking to complete some building work on their home. It’s not guaranteed, but if it works out more cost effective than a personal loan or taking a credit card, it might be worth exploring!

📞07938 133 404
📧[email protected]
👨🏼‍💻www.ellis-ridingsmortgagesolutions.co.uk

Your property may be repossessed if you do not keep up payments on a mortgage or a loan secured against it. Ellis-Ridings Mortgage Solutions Ltd. is authorised and regulated by the Financial Conduct Authority (FCA). Ellis-Ridings Mortgage Solutions

08/09/2026

✔️Mortgage applied for
✔️Mortgage offer out 1 minute later
🏡 THE SAME DAY! 🏡

Of course, we can’t guarantee this level of outcome every time, but it helps to use a broker who knows how to package an application properly to get the best results 🙌🏼

Ellis-Ridings Mortgage Solutions
Michael Ridings - Mortgage Adviser
Simon Rock - Mortgage and Protection Advisor

27/08/2026

☀️With the end of summer in sight, and the children heading back to school shortly, is now the right time to consider a move? ☀️

Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Ellis-Ridings Mortgage Solutions Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).
Ellis-Ridings Mortgage Solutions

02/08/2026

Good message here for buyers and when re-mortgaging, and another reason to speak to a broker - knowledge of lender criteria, having access to a variety of lenders and being able to tailor a personal solution for you, are all parts of the job 👊🏻

❌ Why Was My Mortgage Declined?

🤔 Declined for a mortgage? It might not be the end.

Hearing "no" is frustrating.

But it doesn't always mean you can't buy a home.

Applications can be declined for lots of reasons, including:

📄 Missing information

💷 Affordability

📊 Credit history

🏦 Lender criteria

The important thing?

One lender saying no doesn't automatically mean every lender will.

Understanding why is often the first step towards finding the right solution.

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

👇 Have you ever assumed one "no" meant the end of the road?

27/07/2026

⁉️Do you have a burning question about mortgages or protection?

💷Maybe, you’re intrigued what your current savings/deposit and income could afford you.
✏️Are you self-employed and wondering what proof of income you need?
🏡 Perhaps, you’re a first-time buyer wondering how it all works.
💳 Have you had a blip with your credit file and wonder how it may impact your ability to buy a home?
🛡️What would it cost to protect yourself and loved ones in the event of a loss of income, an injury or long-term illness?

There’s no such thing as a silly question! Answering your queries, concisely and clearly, is what we’re here for.

Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Ellis-Ridings Mortgage Solutions Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).