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.

What are the costs?📌First of all broker fees. There is no fee required to have an initial appointment with a broker at A...
04/06/2026

What are the costs?

📌First 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.

📌Next 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.
📌Lastly 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:

📞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*

Sometimes in the mortgage world, we get used to acronyms, terms, and other industry-specific words and phrases because w...
28/05/2026

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.

📌Once your Mortgage Offer has been issued this means the lender is happy with your application and happy to lend you the money for your mortgage.

📌It is one of the final steps in the application process.

📌Your Mortgage Offer is only valid for a certain period of time. This can be up to 6 months and differs with each lender. Within this time your legal paperwork, and, all other legal steps which your conveyancer will be helping you with, need to be completed.

📌Once this has happened your conveyancer will ask you for dates you are happy to exchange and complete on, finishing your mortgage journey.

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*

Sometimes in the mortgage world, we get used to acronyms, terms, and other industry-specific words and phrases because w...
21/05/2026

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*

Calling all Portfolio Landlords!There has been an increase in the proportion of landlords who plan to fund purchases by ...
14/05/2026

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*

Did you know there are more types of mortgage products available other than fixed rates? Standard Variable Rate or SVR. ...
07/05/2026

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*

Did you know there are more types of mortgage products available other than fixed rates? 📍 It is important to note that ...
30/04/2026

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*

The list of things to do never-ending when it comes to moving home. Whether it's your first property, next home, or part...
23/04/2026

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*

📌The self-employed mortgage process has always been thought of as extremely difficult to go through with many more ‘hurd...
16/04/2026

📌The self-employed mortgage process has always been thought of as extremely difficult to go through with many more ‘hurdles to jump over and hoops to jump through’

📌Whilst your income may be looked at differently by lenders, we have helped many self-employed clients over the years here at Agentis.

📌There is more availability of lending now with more mainstream high street lenders offering mortgages for self-employed applicants than ever before.

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*

Most lenders will be happy to extend your mortgage offer to ensure you can buy the property. Banks and building societi...
09/04/2026

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*

If your mortgage rate is up for review within the next 6 months, now is a good time to start thinking about remortgaging...
02/04/2026

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*

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