Luca Palumbo - Mortgage Specialist

Luca Palumbo - Mortgage Specialist Thank you for visiting my page! I'm a National Mortgage & Protection advisor with over 7 years experience in the property industry.

I pride myself on my service, always being accessible and providing positive customer outcomes that exceed expectations.

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

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

Should you always re-mortgage with your existing lender?With the market we are currently in it's always best to try and ...
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*

Are you employed on a fixed term contract or are you sub contracting?With some lenders, this income can be tricky to use...
12/08/2026

Are you employed on a fixed term contract or are you sub contracting?

With some lenders, this income can be tricky to use for your affordability. Luckily I can help to help you get the best mortgage regardless of your employment 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.

📱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*

Is your credit less than perfect? The good news is I can still help you obtain a mortgage.If you're unsure of what to d...
05/08/2026

Is your credit less than perfect?
The good news is I can still help you obtain a mortgage.

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*

Sometimes in the mortgage world, we get used to acronyms, terms, and other industry-specific words and phrases because w...
29/07/2026

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

Can you apply for an interest-only mortgage on a fixed rate?If you're unsure of what to do or think you could benefit fr...
22/07/2026

Can you apply for an interest-only mortgage on a fixed rate?

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*

What are the benefits of a shared ownership mortgage?There are always pros and cons to every mortgage. However, we sugge...
15/07/2026

What are the benefits of a shared ownership mortgage?

There are always pros and cons to every mortgage. However, we suggest talking to one of our expert advisers here at Agentis such as myself, who can help discuss your circumstances and advise the best option for you.

Shared Ownership mortgages involve a proportion of rent to be paid alongside the monthly mortgage payment. You will own a certain percentage of the property with a housing association/local authority owning the remainder. Therefore your affordability needs to be assessed so that you can afford both elements.

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*

There are lots of different mortgages out there and you might have heard of a joint borrower sole proprietor mortgage, b...
08/07/2026

There are lots of different mortgages out there and you might have heard of a joint borrower sole proprietor mortgage, but do you know what that really means?

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*

📌The self-employed mortgage process has always been thought of as extremely difficult to go through with many more ‘hurd...
01/07/2026

📌The self-employed mortgage process has always been thought of as extremely difficult to go through with many more ‘hurdles to jump over and hoops to jump through’

📌Whilst your income may be looked at differently by lenders, we have helped many self-employed clients over the years here at Agentis.

📌There is more availability of lending now with more mainstream high street lenders offering mortgages for self-employed applicants than ever before.

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*

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