Nick Gott Mortgage & Insurance Specialist

Nick Gott Mortgage & Insurance Specialist Probably the best mortgage broker in the South West

08/09/2026

6.5 x Income Lending is Here

First time buyers can now borrow up to 6.5x their income through a mortgage broker.
Most lenders cap at 4.5x
Available up to 95% LTV
Minimum income, sole £30,000 or joint £50,000

If you have been told it's not affordable, maybe it is now.

Only available via a mortgage broker.

🏡 A shift in the mortgage world…For years, most lenders have typically offered around 4–4.5x income, which has limited h...
26/08/2026

🏡 A shift in the mortgage world…

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.

Now, another lender has stepped things up.

It’s now possible in some cases to borrow up to 6x your income (subject to criteria), whether you’re:
✨ Buying your first home
✨ Moving up the ladder
✨ Remortgaging

For many, that could mean:
✔️ Access to a bigger home
✔️ Moving sooner than expected
✔️ More flexibility with your options

Things are changing, and it’s opening new doors.

Curious what this could mean for you?
📩 Send me a message or comment “6x” and I’ll take a look.



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

25/08/2026

🏡 Buying a home? Don’t forget these costs…

Saving for your deposit is a huge milestone, but it’s only one part of the budget when buying your home.

Before you get the keys, it’s worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I’m here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let’s make sure you’re fully prepared.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Is your fixed rate up for renewal in 6 months or less?We’re seeing more lenders change their product transfer windows, m...
20/08/2026

Is your fixed rate up for renewal in 6 months or less?

We’re seeing more lenders change their product transfer windows, meaning you may be able to secure your next rate earlier than you think.

Your lender will usually write to you when you’re approaching the end of your deal – that’s your cue to get in touch with your broker, as that’s where we come in 👇

As your broker, we’ll review all of your options well in advance and get in touch at the right time to help you lock in a suitable rate.

📊 And it doesn’t stop there…
We’ll keep monitoring the market for you, so if better rates come along, we’ll let you know – saving you the time, stress, and constant checking.

💡 Less hassle. Smarter timing. Better outcomes.

If your deal is ending in the next 4-6 months, now’s the time to start the conversation.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

19/08/2026

If you can afford rent… you might be able to afford to buy 👀

There’s a mortgage product designed specifically for renters who feel stuck saving for a deposit:

🏡 Up to 100% mortgages available, meaning no deposit needed in some cases
📊 Your rental history can help prove affordability
💸 Even a small or gifted deposit (under 5%) can be considered
📅 Option to delay your first mortgage payment after completion

It’s aimed at people who:

✔ Have been consistently paying rent
✔ Haven’t owned a property recently
✔ Are ready to step onto the ladder but struggle with upfront costs

One thing I always say — this isn’t for everyone. Monthly payments can be higher than your rent, and you still need to meet criteria.

But for the right person, this can remove one of the biggest barriers to buying.

📩 If you’re renting and wondering if this could work for you, message me and I’ll break it down in plain English

Subject to eligibility and lending criteria.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

10/06/2026

❤️ Protect Your Family & Finances with Critical Illness Cover

Life is full of surprises—but not all of them are welcome. A serious illness can affect more than just your health; it can impact your income, savings, and family finances too.

🛡️ Critical Illness Cover can provide a tax-free lump sum payment if you're diagnosed with a covered critical illness, helping you focus on what matters most—your recovery.

Why consider Critical Illness Cover?
💷 Help cover mortgage payments and household bills
🏥 Support private treatment, rehabilitation, or medical expenses
📉 Replace lost income if you're unable to work
👨‍👩‍👧‍👦 Protect your family's financial wellbeing
🌟 Enjoy greater peace of mind for the future

A critical illness can happen when you least expect it. Having the right protection in place means you and your loved ones can face the future with greater confidence.

✅ Financial support when you need it most
✅ Flexible use of your payout
✅ Protection tailored to your needs and budget

📞 Get in touch today for a no-obligation review and find out how Critical Illness Cover could help safeguard your future.

We're here to help you protect what matters most. ❤️

👉📞Reply to this post or contact me on 07894 056972 or [email protected] to arrange your review.

10/06/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Pre-approved image:

03/06/2026

Could Your Family Be Left Unprotected by a
Common Insurance Misconception?

Many people believe that if they have Terminal illness Cover, they are also protected for a critical illness diagnosis.

Unfortunately, this isn't the case.
I've recently spoken to clients who were surprised to learn that:

• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.

• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, multiple sclerosis, or other conditions listed in the policy.
• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.

Why this matters

Imagine being diagnosed with a serious illness and facing:
✅ 💷 Loss of income
✅ 🏠 Mortgage or rent payments
✅ 👶Household bills and childcare costs
✅ 🚗🏥Additional medical or travel expenses

Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.

Three questions to ask yourself:

If I couldn't work for 12 months due to a serious illness, how would I pay my bills?

Does my current policy include Critical Illness Cover or only Terminal Illness Cover?

Do I know what my policy actually covers?

Many policyholders haven't reviewed their protection arrangements in years and may not know exactly what they are covered for.

We're offering a complimentary protection review to help you understand your existing cover, identify any gaps, and ensure your family is properly protected.

👉📞 contact me on 0789 4056972 or [email protected] to arrange your review.

03/06/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.

0789 4056972 or [email protected]



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

14/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:
Up to 98% LTV (just £5k minimum deposit)
Available on homes up to £300,000
5-year fixed rate with NO product fees
Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.
I have access to this deal, so drop me a message! 👇

07894 056972 or [email protected]



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Address

17 Tylney Close
Plymouth
PL66BX

Telephone

+447894056972

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