Josh Green - Mortgage and Protection Consultant

Josh Green - Mortgage and Protection Consultant Whole of market mortgage broker based in Norfolk and surrounding area but able to help Nationwide

📌An Agreement in Principle, AIP, as it’s often shortened to, also known as Decision in Principle or DIP, is a document, ...
05/06/2026

📌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.

📱07881274224
📞01733 367800
⌨[email protected]
💻www.agentisfinancial.co.uk

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

📌Affordability calculators are lender-specific tools that brokers and intermediaries can access and use as part of your ...
29/05/2026

📌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.

📌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.

📱07881274224
📞01733 367800
⌨[email protected]
💻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....
22/05/2026

📌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.

📱07881274224
📞01733 367800
⌨[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...
15/05/2026

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.

📌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.

📱07881274224
📞01733 367800
⌨[email protected]
💻www.agentisfinancial.co.uk

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

As extreme as it sounds canceling your protection policies without proper knowledge or advice regarding the consequences...
08/05/2026

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.

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.

📱07881274224
📞01733 367800
⌨[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...
01/05/2026

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.

📱07881274224
📞01733 367800
⌨[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...
23/04/2026

📌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.

📱07881274224
📞01733 367800
⌨[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...
03/04/2026

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.

📱07881274224
📞01733 367800
⌨[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

Telephone

+447881274224

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