Anton Sgroi - Mortgage and Protection Consultant

Anton Sgroi - Mortgage and Protection Consultant I'm a whole of market broker and will look to get you the best deal in the market.

Sometimes in the mortgage world, we get used to acronyms, terms, and other industry-specific words and phrases because w...
16/06/2026

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

📌This 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'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
📱07515 527879
⌨[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...
09/06/2026

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.

📌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'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
📱07515 527879
⌨️[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...
02/06/2026

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 or any additional costs you might face during your entire mortgage journey.

📌 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'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
📱07515 527879
⌨️[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...
26/05/2026

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'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
📱 07515 527879
⌨[email protected]
💻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, ...
19/05/2026

📌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.
📌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'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
📱07515 527879
⌨️[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...
12/05/2026

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'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
📱07515 527879
⌨[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

There has been an increase in the proportion of landlords who plan to fund purchases by releasing equity from their exis...
05/05/2026

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'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
📱07515 527879
⌨[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...
28/04/2026

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.

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
📱07515 527879
⌨[email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

If you have the right mortgage broker working for you, even in today's challenging climate, it is possible to get a quic...
21/04/2026

If you have the right mortgage broker working for you, even in today's challenging climate, it is possible to get a quick mortgage offer.

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
📱07515 527879
⌨[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 societ...
14/04/2026

📌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'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
📱07515 527879
⌨[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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40 Thorpe Wood
Peterborough
PE36SR

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