Lee Jeffrey Mortgage & Protection Consultant

Lee Jeffrey Mortgage & Protection Consultant I have a wealth of knowledge in the industry, and will look to get you the best deal in the market.

đź“ŚWhen you buy a property in England and Northern Ireland (different rules apply to Wales and Scotland), you may need to ...
03/09/2026

đź“ŚWhen you buy a property in England and Northern Ireland (different rules apply to Wales and Scotland), you may need to pay Stamp Duty Land Tax (SDLT).

đź“ŚThis is a tax that is levied on the purchase price of the property and the amount depends on the value of the property and the type of property you are purchasing. For example, if this is your first purchase, second purchase, or additional property purchase.

đź“ŚThe amount is collected and paid on your behalf by your chosen conveyancer at the end of the process.

đź“ŚThe Government still has in place some savings on Stamp Duty so this tax may not apply to you as each individual circumstance is different.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨️[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

📌It could be that you’ve heard the phrase and don’t know what it means, or, just want a little insight into how mortgage...
27/08/2026

📌It could be that you’ve heard the phrase and don’t know what it means, or, just want a little insight into how mortgages work.

đź“ŚSome or all of your deposit may be a monetary gift from your close family.

đź“ŚMost lenders accept this form of deposit. And, if required, your broker will detail to you any additional documents your chosen lender may need for this.

đź“ŚOften there is a form that is required to be filled out or a letter to be signed by the donor of the deposit.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨️[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

📌LTV Is the ratio of how much you borrow against the property compared to its value. It’s usually shown as a percentage....
20/08/2026

📌LTV Is the ratio of how much you borrow against the property compared to its value. It’s usually shown as a percentage.

đź“ŚFor example if you are buying a property worth ÂŁ200,000 and you have a mortgage for ÂŁ150,000 your LTV would be 75%. This means you will have a 25% deposit (ÂŁ50,000.)

đź“ŚThe higher the LTV ratio, the riskier it is for the lender as there is a greater chance that they could end up losing money if you default on your loan and they have to sell the property. This is why we see loans with high LTV ratios often having higher interest rates.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨️[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

đź“ŚI will need to work out your affordability as your broker for your mortgage. In order to do this I will require your th...
13/08/2026

📌I will need to work out your affordability as your broker for your mortgage. In order to do this I will require your three most recent payslips or self-employed income documents, copies of your most recent three months’ bank statements, and a copy of your credit report so that I can match up all of your outgoings to your external credit file and see an accurate portrayal of your month to month expenditure.

📌Photographic ID and proof of address will also be required to confirm your full name, date of birth, and address. As your broker I’m also required to take three years of address history from you, this also matches up to your external credit file.

đź“ŚAdditional documents may be required after this stage and during different stages of your application. I will notify you of what these will be.

đź“ŚAs a general rule these tend to include; your most recent P60 from your employer, any copies of signed contracts if you are due to start a new role or have recently started, and declarations that may need to be signed by the lender.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨️[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

đź“ŚAffordability calculators are lender-specific tools that brokers and intermediaries can access and use as part of your ...
06/08/2026

📌Affordability calculators are lender-specific tools that brokers and intermediaries can access and use as part of your mortgage assessment. They are often part of a lender’s intermediary website or online portal.

đź“ŚInputting your specific earned income and expenditure information into these calculators gives an indication as to how much the lender will potentially lend to you.

đź“ŚThis does not affect your credit score nor is it any guarantee of a mortgage. You will still need an agreement in principle and your application will still need to be underwritten and approved by the lender but is the starting point to determine if you can actually afford to borrow what you need for your new purchase.

📌There are specific built-in calculations (often called stress tests) and ratios built into these calculators which are unique to each lender. There are also specific calculators used for buy-to-let purchases to determine the rental amount required each month by the property as these are different from residential calculations and often don’t require to be income and expenditure assessed.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨️[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

đź“ŚFirst of all broker fees. There is no fee required to have an initial appointment with a broker at Agentis Financial. T...
30/07/2026

đź“ŚFirst of all broker fees. There is no fee required to have an initial appointment with a broker at Agentis Financial. There is usually a broker fee upon submitting your application. All of your terms will be explained and a fee will not normally be charged until we have assessed all of your paperwork, secured an agreement in principle from the lender, and you are ready to proceed to full application on your chosen property.

đź“ŚNext lender fees. Depending on your chosen mortgage product the lender may charge fees for the product itself, fees to perform the valuation of your chosen property, or any other administrative fees for placing your mortgage with them. These will be highlighted to you once you have chosen your product and are proceeding with your mortgage application as some fees are required to be paid upfront to the lender.

📌Then survey fees. Your chosen lender will perform their own valuation on the property you are buying which helps to determine its value. This is a basic report and may come at a cost to you as noted above. You may also wish to have your own homebuyer’s survey or even a structural survey completed on the property before you buy it. This will be an additional cost and the company you use to perform this survey will determine the price
đź“ŚLastly legal costs. You will need a conveyancer to complete the legal work on the property. They have their own fees and costs. Here at Agentis we can recommend our trusted conveyancers to you and provide you with a quotation for this work. If you are not a first-time buyer or are a first-time buyer purchasing a property over a certain value, there may also be stamp duty fees to pay on top of your legal costs.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨[email protected]
đź’»www.agentisfinancial.co.uk

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

📌An Agreement in Principle, AIP, as it’s often shortened to, also known as Decision in Principle or DIP, is a document, ...
16/07/2026

📌An Agreement in Principle, AIP, as it’s often shortened to, also known as Decision in Principle or DIP, is a document, certificate or screenshot provided by a lender to show you have passed a credit check and are in a position to submit a full mortgage application once you have found a property.

📌It is not a guarantee of a mortgage and your application is still required to be fully submitted and approved by the lender’s underwriting team but is the first step you need to pass when applying for a mortgage.

đź“ŚAIPs are valid for anywhere between one and six months depending on the lender you are using. If it expires a new agreement in principle will need to be submitted in order to show you have still passed the initial credit check.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨[email protected]
đź’»www.agentisfinancial.co.uk

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

Calling all Portfolio Landlords!There has been an increase in the proportion of landlords who plan to fund purchases by ...
02/07/2026

Calling all Portfolio Landlords!

There has been an increase in the proportion of landlords who plan to fund purchases by releasing equity from their existing properties.

Did you know you could do this to expand or manage your portfolio?

Some lenders will only deal exclusively with brokers or intermediaries for this type of mortgage so you may be missing out by researching on your own.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

Did you know there are more types of mortgage products available other than fixed rates? Standard Variable Rate or SVR. ...
25/06/2026

Did you know there are more types of mortgage products available other than fixed rates?

Standard Variable Rate or SVR. You might have heard this acronym mentioned recently.

đź“ŤThis is the rate you will revert to at the end of your current deal if you do nothing. This automatically happens and your lender will normally send you information as to when this will happen and how your payments will change.

đź“ŤIt is important to note that the lender sets this rate and it is not linked to the Bank of England base rate. The lender can change their SVR at any time. Because of this, it is wise to expect the SVR to rise with any base rate increases as well.

đź“ŤA SVR is usually the most flexible rate you can be on - you can overpay without penalty or re-mortgage elsewhere without penalty. However, it is usually the most expensive rate to be on.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

Sometimes in the mortgage world, we get used to acronyms, terms, and other industry-specific words and phrases because w...
11/06/2026

Sometimes in the mortgage world, we get used to acronyms, terms, and other industry-specific words and phrases because we use them day to day.

It could be that you’ve heard the phrase and don’t know what it means, or, just want a little insight into how mortgages work.

📌Affordability calculators are lender-specific tools that brokers and intermediaries can access and use as part of your mortgage assessment. They are often part of a lender’s intermediary website or online portal.

đź“ŚInputting your specific earned income and expenditure information into these calculators gives an indication as to how much the lender will potentially lend to you.

đź“ŚThis does not affect your credit score nor is it any guarantee of a mortgage. You will still need an agreement in principle and your application will still need to be underwritten and approved by the lender but is the starting point to determine if you can actually afford to borrow what you need for your new purchase.

📌There are specific built-in calculations (often called stress tests) and ratios built into these calculators which are unique to each lender. There are also specific calculators used for buy-to-let purchases to determine the rental amount required each month by the property as these are different from residential calculations and often don’t require to be income and expenditure assessed.

If you'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

đź“ž01733 367800
📱07808164226
⌨️[email protected]
đź’»www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

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