Mewstone Mortgage Advice

02/11/2026

🛑🏠 STOP SAVING FOR A BIGGER HOUSE DEPOSIT!

Yes, I’m a mortgage adviser… and I really just said that! 😳

What if you’re already closer to buying your first home than you think? 🔑

Let’s say your dream house costs £250,000…

💰 20% deposit = £50,000

💰 10% deposit = £25,000

💰 5% deposit = £12,500

🤯 0% deposit = £0!

YES! Some lenders actually offer 100% mortgages to eligible buyers!

But that’s not all…

🔥 3 THINGS YOU MIGHT NOT KNOW:

🏠 NO DEPOSIT? Some lenders offer 100% mortgages, often with strict eligibility requirements and a strong credit history.

💷 BORROWED DEPOSIT? A small number of lenders may consider a personal loan towards your deposit, provided their criteria and affordability requirements are met. Additional borrowing brings extra costs and risks.

👨‍👩‍👧 FAMILY HELP? Gifted deposits from family members could help you get onto the property ladder sooner.

⚠️ THE CATCH?

These options aren’t available or suitable for everyone, and buying with little or no deposit can mean higher costs and greater risk of negative equity.

I’m not saying stop saving altogether!

I’m saying STOP assuming you need to save for years without checking your options first.

At Mewstone Mortgage Advice, we can help you understand what’s realistically possible.

🔑 Want to find out how close you are to getting the keys?

👇 COMMENT “KEYS” or DM me “KEYS” and let’s have a chat!

📖 FREE First-Time Buyer Guide — link in bio.

Subject to lender criteria, affordability and approval. Your home may be repossessed if you do not keep up repayments on your mortgage.

SouthHams MewstoneMortgageAdvice

30/10/2026

🏡 A £300,000 FIRST HOME. A £7,500 DEPOSIT. WHAT’S THE CATCH? 👀

The Budget’s new Your First Home scheme could let eligible first-time buyers purchase a qualifying new-build in England with a deposit of just 2.5%.

But that smaller deposit comes with a separate government equity loan — and understanding how you repay it matters just as much as getting the keys.

In our latest blog, we explain:
🔑 How the proposed scheme works and when applications are expected to open
💷 What happens after the five-year interest-free period
📈 Why the amount you repay can rise with your home’s value
🏦 What’s changing with first-time buyer ISAs
📍 What buyers in Plymouth and the South Hams need to consider

Read the full breakdown here 👇
https://www.mewstonemortgageadvice.co.uk/uk-budget-2026-first-time-buyers-plymouth/

Wondering whether to buy now or wait? Message the Mewstone team and let’s work through your mortgage options.

The scheme is not open yet. Eligibility, local price caps and lender affordability checks apply. A 2.5% deposit does not guarantee a mortgage. Equity-loan interest applies from year six, and interest payments do not reduce the loan.

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

UK Budget 2026 explained for first-time buyers in Plymouth and the South Hams. Explore the new equity loan, ISA changes and your next steps.

29/10/2026

27/10/2026

🏠 5 THINGS I’D NEVER DO BEFORE APPLYING FOR A MORTGAGE! 👀

After years of helping people buy homes, these are five things I’d be very careful about before submitting a mortgage application.

1️⃣ Take out new credit unnecessarily 🚗💳

That shiny new car on finance or extra credit card could affect how much you can borrow. Speak to your adviser before taking on new commitments.

2️⃣ Miss payments on existing credit ❌

Even one missed payment can cause problems with some lenders. Set up direct debits and keep everything up to date.

3️⃣ Ignore my credit report 🔍

Check what lenders might see before applying. Look for mistakes, old addresses, unexpected accounts or anything that needs explaining.

4️⃣ Assume the bank will lend me what I need 💷

Different lenders calculate affordability differently. Your own bank isn’t necessarily the lender offering you the most suitable mortgage.

5️⃣ Make multiple mortgage applications without understanding my options 🏦

Repeated applications and hard credit searches could make things more complicated. I’d research lender criteria first.

💡 My biggest tip?

Preparation BEFORE applying can make a huge difference!

Whether you’re a first-time buyer, moving home or remortgaging, getting advice early could save you unnecessary complications.

At Mewstone Mortgage Advice, we help people understand their options before taking the next step.

📩 Thinking about getting a mortgage? Drop me a message and let’s have a chat.

📍 Plymouth & South Hams | Helping clients across the UK

Mortgage approval and borrowing amounts depend on individual circumstances, affordability, credit history and lender criteria. Your property may be repossessed if you do not keep up repayments on your mortgage.

MewstoneMortgageAdvice

26/10/2026

Happy Birthday to Mark John - Mortgages - he doesn't look a day over 45.

We hope you had the best day with your family yesterday - love from team Mewstone 🖤💛🖤💛🖤💛

21/10/2026

🏡 Fix for two years, five years—or consider a tracker?

Mortgage rates have been moving in both directions, with lenders changing some deals at short notice. If you’re buying or remortgaging, choosing your next mortgage can feel confusing.

Our latest blog explains:

🔒 Two-year versus five-year fixed rates
🔄 Trackers with no early repayment charges
💷 Why fees and flexibility matter alongside the rate
🤝 How a whole-of-market adviser can help you compare your options

Trackers can offer flexibility, but repayments can rise as well as fall. Fixed rates provide certainty during the fixed period, although early repayment charges may apply.

📍 Based in Plymouth, helping clients across the South Hams and the UK.

Read the full guide here:

https://www.mewstonemortgageadvice.co.uk/mortgage-rates-plymouth-fixed-or-tracker/

You say, “It’s complicated.”
We say, “No problem. This is what we do.”

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

20/10/2026

🏠 YOUR MORTGAGE DOESN’T STOP JUST BECAUSE YOU CAN’T WORK… 🛡️

If illness or injury stopped you working tomorrow, how long could you afford to keep paying your bills?

With the rising cost of living, protecting your income is more important than ever.

💷 Here’s something worth asking yourself:

✅ How long would your employer continue paying you?

✅ Would you receive full pay, half pay or just Statutory Sick Pay?

✅ Would that be enough to cover your mortgage and household bills?

✅ How long could your savings keep you going?

Most people know what their mortgage costs each month, but far fewer know how long their income would last if they couldn’t work.

💡 That’s where Income Protection can help.

It’s designed to provide a regular income if illness or injury prevents you from working, helping you maintain your financial commitments while you recover, subject to policy terms.

At Mewstone Mortgage Advice, our protection specialist Seb helps clients understand their existing sick pay arrangements and explore suitable protection options.

🏠 You’ve insured your home. But have you protected the income that pays for it?

📩 Unsure what cover you have? Drop us a message with the word “PROTECTION” and let’s have a chat.

📍 Mewstone Mortgage Advice | Plymouth & South Hams

Cover is subject to eligibility, underwriting, waiting periods, exclusions and policy terms.

Plymouth SouthHams MewstoneMortgageAdvice

14/10/2026

🏠 SELF-EMPLOYED? YOUR BANK MIGHT NOT BE TELLING YOU THE WHOLE STORY! 👀

Ever been told you can’t borrow enough for a mortgage because you’re self-employed?

Here’s something that might surprise you… 👇

Two lenders can look at exactly the same business and come up with VERY different borrowing figures! 🤯

Why?

💷 Some lenders use your salary and dividends.

📊 Others may consider your share of company profits, including retained profits.

📈 Some may use your latest year’s earnings rather than averaging the last two.

💼 And contractors, sole traders and company directors can all be assessed differently.

Same person. Same business. Same income. Potentially VERY different mortgage options!

That’s why choosing the right lender can make such a difference.

At Mewstone Mortgage Advice, we love the cases that aren’t always straightforward.

✅ Self-employed
✅ Limited company directors
✅ Contractors
✅ Complex or multiple income sources

Don’t assume one lender’s answer is the final answer.

🎥 Watch the Reel to find out why!

💬 Want to know how much you could actually borrow?

Drop me a message with the word “SELF-EMPLOYED” and let’s have a chat.

You say: “It’s complicated.”
We say: “No problem — this is what we do.” 💛

📍 Mewstone Mortgage Advice | Plymouth & South Hams
🌍 Helping clients across the UK.

Mortgage availability and borrowing amounts depend on individual circumstances, lender criteria, affordability and credit assessment.

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

Plymouth SouthHams MewstoneMortgageAdvice

13/10/2026

🏡 CAN YOU REALLY BUY A HOUSE WITH NO DEPOSIT?! 👀

The answer is… potentially, YES! 🙌

100% mortgages (also known as zero-deposit mortgages) are available again — meaning some first-time buyers could get onto the property ladder without saving a traditional 5% deposit.

But there’s a catch… 👇

Lenders may want to see:

✅ A strong credit history
✅ Evidence of regular rent payments
✅ Manageable debts and credit commitments
✅ Stable income and affordability

And remember, a 100% mortgage isn’t necessarily the best option for everyone.

Different lenders have different criteria, and having even a small deposit could open up other mortgage options.

🎥 Want to understand how zero-deposit mortgages work? Watch our full video on YouTube — link in bio!

📘 FREE FIRST-TIME BUYER GUIDE — also available through our bio.

💬 Would you consider buying your first home with no deposit? Let us know in the comments!

💛 You say: “It’s complex.”
We say: “No problem — this is what we do.”



Mortgage availability is subject to lender criteria, affordability and individual circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.

12/10/2026

AD: 🏠 BAD CREDIT? THINK YOU CAN'T GET A MORTGAGE? THINK AGAIN! 👀

❌ Missed payments?
❌ Defaults?
❌ CCJs?
❌ Debt management plans?
❌ A few financial bumps along the way?

Don't automatically assume it's game over!

One of the biggest misconceptions I come across is that a poor credit history means getting a mortgage is impossible.

That's simply not always true.

The reality is that different lenders have very different attitudes towards adverse credit.

Some will consider circumstances that others won't. And sometimes, something that happened a few years ago is far less of an issue than you might think.

🔍 What really matters?

✅ What happened and why
✅ How long ago it happened
✅ Whether the debt has been settled
✅ Your income, deposit and affordability
✅ Finding a lender whose criteria fit your circumstances

💡 TOP TIP: Before applying, check your credit history across all three major credit reference agencies — Experian, Equifax and TransUnion.

We recommend Checkmyfile, which lets you review information from all three in one place.

🔗 https://www.checkmyfile.partners/4D452B4/2CTPL/

👉 SWIPE THROUGH THE CAROUSEL for some useful tips on understanding your credit history and improving your chances of getting a mortgage.

At Mewstone, we genuinely enjoy helping people with the complicated stuff.

You say: "It's complicated."
We say: "No problem — this is what we do." 💛

📩 Not sure where you stand?

Send us a private message with the word "CREDIT" and we'll help you understand what options might be available.

No judgement. No pressure. Just straightforward mortgage advice.

📍 Mewstone Mortgage Advice | Plymouth & South Hams
🌍 Helping clients across the UK.

Mortgage availability is subject to individual circumstances, affordability, credit assessment and lender criteria. Your property may be repossessed if you do not keep up repayments on your mortgage.