Sam Loughran - CHL Finance Ltd

30/07/2026

🏡 Struggling to save a deposit or worried about mortgage affordability?

A new mortgage product has just launched that could help make buying a home more achievable.

Launch highlights:
✔️ Up to 100% Loan-to-Value (LTV) – no minimum deposit required
✔️ Available for residential purchases and £ for £ remortgages (no additional borrowing)
✔️ 5-year fixed-rate products
✔️ No valuation fee or product fee
✔️ Income from up to 4 applicants can be considered (subject to affordability)
✔️ Up to 4.45x income multiple
✔️ Maximum loan size of £675,000
✔️ Joint borrowers must be immediate family members

If you've been told you need a larger deposit or your income doesn't quite stretch far enough, this new product could be worth exploring.

📩 Get in touch for a free, no-obligation chat to see whether it's suitable for your circumstances.

Eligibility criteria, lending criteria and affordability assessments apply. This product may not be suitable for everyone.

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

23/07/2026

🏡 Struggling to save for a house deposit? You may have more options than you think.
For many first-time buyers, saving a deposit is the biggest hurdle to getting on the property ladder. The good news is that there are mortgage options designed to help make homeownership more accessible.

✨ Start Mortgage could be the solution, offering:

🏠 Up to 98% Loan-to-Value (LTV)
💰 Minimum deposit from £5,000
📈 Up to 5x Loan-to-Income (LTI)
💷 Maximum loan of £500,000
💼 Minimum income of £30,000
🔒 Available on 5-year fixed rates
👩‍💼 Suitable for self-employed applicants
🎁 Gifted deposits accepted

If you're a first-time buyer wondering whether you could qualify, get in touch today. I'd be happy to discuss your options and help you take the first step towards owning your home.

📩 Send me a message to find out more.

Eligibility criteria and lending conditions apply.

15/07/2026

📈 Mortgage rates look like they're starting to increase again.
If your fixed-rate mortgage is coming to an end or you're thinking about remortgaging, now could be a good time to secure a new rate before any further increases.
Every situation is different, so it's worth reviewing your options early rather than waiting until the last minute.
Get in touch if you'd like to discuss your remortgage options and see what's available. 🏡

02/07/2026

💡 Hopefully these posts have given you an insight into life insurance and the different options available.

One thing I've learned over the years is that when it comes to protection, there is no "one size fits all" solution. What works for one person or family may not be the right fit for another.

Life cover is often something that gets pushed to the bottom of the to-do list because it's not always an easy subject to think about. Unfortunately, it's also something that can be overlooked until it's too late.

Taking a little time to understand your options today could make a huge difference to the people you care about tomorrow.

📞 If you'd like to discuss your own circumstances or have any questions about protection, feel free to get in touch. Because this is something I feel very passionate about, it’s a service I offer free of charge, with no obligation.

01/07/2026

If like me you have a Halifax account you will soon be Lloyds

Group confirms it will stop opening new accounts under the name and move existing ones to Lloyds

30/06/2026

👫 Why Consider Separate Life Insurance Policies?

When arranging life insurance as a couple, many people automatically choose a joint policy. However, separate policies can often provide greater flexibility and protection.

Here are a few reasons why:

✅ Two policies, two potential payouts
With separate policies, each person has their own cover. This means that if both policyholders were to pass away during the term, both policies could potentially pay out. A joint policy usually pays out only once and then ends.

✅ Cover continues after a claim
If one person dies, their policy pays out, but the surviving partner's policy remains in place. With a joint policy, the cover typically ends after the first claim.

✅ Greater flexibility
If circumstances change, such as separation or divorce, separate policies are generally easier to manage than a joint policy.

✅ Tailored cover
Each person can choose a level of cover that reflects their own income, debts, and protection needs.

While separate policies can sometimes cost slightly more, many people feel the additional protection and flexibility make them worthwhile.

The right option depends on your personal circumstances, budget, and protection goals.

💬 Have you ever considered whether a joint or separate policy would be best for your family?

28/06/2026

📋 What is a Trust and Why Might It Be Important?

When you take out a life insurance policy, you may have the option to place it into a trust.

A trust is a legal arrangement that allows the payout from your life insurance policy to go directly to the people you choose (known as beneficiaries).

Some potential benefits include:

✅ Faster access to the money for your loved ones
✅ The payout may not form part of your estate for probate purposes
✅ You choose who receives the money
✅ Can help ensure funds are used as intended

For example, if your life insurance policy is written in trust, your family could potentially receive the payout much quicker than if it had to go through the probate process first.

Many people focus on arranging life cover but don't realise that putting the policy in trust can be just as important as the cover itself.

It's worth reviewing whether a trust is suitable for your circumstances when arranging protection.

💬 If you'd like to understand more about trusts and how they work alongside life insurance, feel free to get in touch.

26/06/2026

🏡 What is Decreasing Life Insurance?

Decreasing Life Insurance is a type of life cover where the amount of cover reduces over time, usually in line with a repayment mortgage.

For example, if you take out a mortgage of £200,000 and a matching decreasing life insurance policy, the cover amount will gradually reduce as your mortgage balance decreases.

✅ Often used to protect a repayment mortgage
✅ Designed to help pay off the remaining mortgage balance if you pass away during the policy term
✅ Usually more affordable than Level Term Life Insurance

The idea is simple: as the amount you owe on your mortgage gets smaller, the amount of life cover needed also reduces.

Ask yourself:

If you weren't here tomorrow, could your family afford to keep the home without your income?

Decreasing Life Insurance can provide peace of mind that your loved ones may be able to remain in their home without the burden of the mortgage.

Have questions about protecting your mortgage and family? Feel free to get in touch.