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Luca Palumbo - Mortgage Specialist, Peterborough (2026)

28/10/2026

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.

📌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.

📱07976030425
📞01733 367800 - option 9
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

21/10/2026

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.

📌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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

14/10/2026

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.

📌When you buy a property in England and Northern Ireland (different rules apply to Wales and Scotland), you may need to pay Stamp Duty Land Tax (SDLT).

📌This is a tax that is levied on the purchase price of the property and the amount depends on the value of the property and the type of property you are purchasing. For example, if this is your first purchase, second purchase, or additional property purchase.

📌The amount is collected and paid on your behalf by your chosen conveyancer at the end of the process.

📌The Government still has in place some savings on Stamp Duty so this tax may not apply to you as each individual circumstance is different.

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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

07/10/2026

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'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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

30/09/2026

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.

📌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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

23/09/2026

📌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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

16/09/2026

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.

📌As your broker, I will need to work out your affordability 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 am also required to take three years of address history from you, so this also matches up to your external credit file.

📌Additional documents may be required after this stage and during different stages of your application. As your broker, 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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

09/09/2026

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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

02/09/2026

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.

📌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.

📱07976030425
📞01733 367800 - option 9
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*

26/08/2026

Should you always re-mortgage with your existing lender?

With the market we are currently in it's always best to try and shop around where possible to get the best deal you can. I can search the whole of the market on your behalf.

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.

📱07976030425
📞01733 367800
⌨️ [email protected]
💻www.agentisfinancial.co.uk
*Your home may be repossessed if you do not keep up the repayments on your mortgage*