Lee Jeffrey Mortgage & Protection Consultant

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United Kingdom
Peterborough
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.

29/10/2026

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.

📌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.

📌AIPs 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:
📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

22/10/2026

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:
📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

15/10/2026

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.

📍This 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.

📍It 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.

📍A 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:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

08/10/2026

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

📍 It is important to note that tracker rates are directly linked to the Bank of England base rate.

📍The best way to explain how this works is that they are similar to discounted rate products. The base rate is currently 2.25% - a lender will then add their own rate on top of this so say they offer a rate of base rate plus 1% (the lender’s chosen rate). Meaning you pay a current rate of 3.25%. This will then track the base rate over a certain amount of time, usually two years, similar to discounted or fixed products. Once this period ends you will fall onto the lenders’ SVR (standard variable rate.)

📍The one main risk is that if the base rate rises then so will your rate and monthly payment, usually one month following the rise.

📍Some but not all high street lenders are currently offering trackers with unlimited overpayments and no early repayment charges. This is something to be wary of when choosing your product.

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:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

01/10/2026

The list of things to do never-ending when it comes to moving home.

Whether it's your first property, next home, or part of your investment portfolio. You will need Home Insurance, specifically Buildings Insurance as this is a legal requirement of owning a home.

I can help arrange this for you. If you're unsure of what to do or think you could benefit from some advice please give me a call or send me an email with the details below:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

24/09/2026

Most lenders will be happy to extend your mortgage offer to ensure you can buy the property.

Banks and building societies understand that buying a home doesn’t always go to plan, particularly if you’re buying a new build or a property in a long chain.

So if your completion date has been postponed, speak to your broker as soon as possible. They will be able to contact the lender and see if the offer can be extended.
Most lenders require a few weeks’ notice in order to extend the mortgage’s deadline and they’ll usually extend it an extra 1-3 months.

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:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

17/09/2026

If your mortgage rate is up for review within the next 6 months, now is a good time to start thinking about remortgaging.
Despite Bank of England base rate changes, mortgage rates are still competitive, and using a whole of market broker such as myself ensures you will find the best mortgage for your circumstances.
You could potentially re mortgage to get a better deal, raise funds to purchase a new property, or even clear down some interest-bearing debts.
If you're unsure of what to do or think you could benefit from some advice please give me a call or send me an email with the details below:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

10/09/2026

As extreme as it sounds canceling your protection policies without proper knowledge or advice regarding the consequences, means that, should the worst happen you could lose your home.

As the cost of living crisis looms we see more and more people prioritise what they deem to be important bills and costs in their lives. We’re all in the same boat.

As your adviser, I will go through your full monthly costs and help guide you on how to budget and ultimately protect what is truly important to you and your family.

If you already have existing policies and are looking to change them, don’t just cancel, give me a call and I will be happy to go through all your options and budget accordingly to your needs.
📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

03/09/2026

📌When 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).

📌This 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.

📌The amount is collected and paid on your behalf by your chosen conveyancer at the end of the process.

📌The 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:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your 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.

📌Some or all of your deposit may be a monetary gift from your close family.

📌Most 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.

📌Often 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:

📞01733 367800
📱07808164226
⌨️[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

Address

40 Thorpe Wood
Peterborough
PE36SR

Website

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