Caren Palmer-Welch Mortgage & Protection Consultant

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United Kingdom
Peterborough
Caren Palmer-Welch Mortgage & Protection Consultant

Whole of market broker offering Mortgage & Protection advice. 2021 and 2022 Top Rated Advisor on vouchedfor.co.uk and named in the Financial Times.

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.

📌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'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

📱07925556767
📞01733 367800
📱[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

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'd like to see how I can help you with your first or next mortgage give me a call or drop me an email:

📱07925556767
📞01733 367800
⌨[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

📌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:

📱07925556767
📞01733 367800
⌨[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

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:

📱07925556767
📞01733 367800 (Option 8)
⌨[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

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:

📱07925556767
📞01733 367800
⌨[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

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:

📱07925556767
📞01733 367800
⌨[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

Today we are celebrating Caren being part of the Agentis team for 8 years! 🎉🎉🎉🎉🎉

We're really proud to have Caren as part of our team. She's one of our top-performing brokers smashing through her targets each year and an award winner to boot!

Congratulations Caren Palmer-Welch Mortgage & Protection Consultant here's to many more years! 🍾

If you would like to get in contact with Caren and see how she can help you, contact her on the details below:

📱07925 556767
📞01733 367800
⌨[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

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:

📱07925556767
📞01733 367800
⌨[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

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 4.75% - 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 5.75%. 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:

📱07925556767
📞01733 367800
⌨[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

⭐⭐⭐⭐⭐ FIVE STAR SPECIAL! ⭐⭐⭐⭐⭐

🎉 600 FIVE-STAR REVIEWS! 🎉

An enormous well done Caren Palmer-Welch Mortgage & Protection Consultant who has just hit an incredible milestone, she's helped us achieve 600 five-star reviews!

We couldn't wait until Friday for this one 600 reasons to celebrate simply couldn't be kept quiet! Caren, you are absolutely smashing it, and this achievement is a true testament to the exceptional service and care you give to every single client. We are so proud!

If you'd like to get in touch with Caren to see how she can help you, please contact her on the details below.

📱 07925 556767
📞 01733 367800
✉️ [email protected]
🌐 www.agentisfinancial.co.uk

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

Address

Peterborough
PE36SR

Website

https://www.agentisfinancial.co.uk/

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