http://www.agentisfinancial.co.uk/

Anton Sgroi - Mortgage and Protection Consultant, 40 Thorpe Wood, Peterborough (2026)

27/10/2026

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.

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

For example if you are buying a property worth £200,000 and you have a mortgage for £150,000 your LTV would be 75%. This means you will have a 25% deposit (£50,000.)

The 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'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*

20/10/2026

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'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*

13/10/2026

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*

06/10/2026

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.

📌There are many reasons you might want to re-mortgage your home. Some people might want to reduce their monthly payments or want to raise some extra money for home improvements. However, knowing when to re-mortgage is very important.
📌When interest rates are rising. If you are currently on a standard variable rate, it’s very likely your monthly payments are going to increase. Re-mortgaging and switching to a better deal and fixing the rate for a period gives you the confidence your payments aren't going to increase.
📌When you are coming to the end of your current mortgage deal. When your current mortgage fixed rate period comes to an end you will automatically be moved to your lender's basic deal. This usually means you end up paying more than you are used to.
📌When you need to unlock equity. Some people also decide to re-mortgage when they have built up a certain amount of equity in their property, or if they need to unlock the equity and release it from the property. If your home has increased in value since you took your mortgage out, this means you will end up in a lower loan-to-value bracket (LTV). Usually, the more equity you have in your home, your chances of being offered lower interest rates are greater.

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*

22/09/2026

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*

15/09/2026

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.

📌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.
📌 Additional documents may be required after this stage and during different stages of your application. I will notify you of what these will be.
📌As 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'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*

08/09/2026

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.

📌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.

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

📌As 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'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*

01/09/2026

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*

28/08/2026

⭐️⭐️⭐️⭐️⭐️FIVE STAR FRIDAY!⭐️⭐️⭐️⭐️⭐️

Anton Sgroi - Mortgage and Protection Consultant is on a roll!

Congratulations on another fantastic five-star review!

If you would like to get in touch with Anton and see how he can help you, please contact him on the following details:
📞 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*