The Merrigan-Reis Partnership

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Mortgage Advice and so much more! Helping people throughout the UK
Core hubs in Bristol and Swansea
Find more info on our website
https://www.merriganreis.co.uk

13/10/2026

What is a Damp and Timber Survey?

A Damp and Timber Survey is a specialist inspection of a property.

It looks for damp, timber decay, and wood-boring insects.

The survey can identify issues such as rising damp, penetrating damp, wet rot, dry rot, and woodworm.

The surveyor will inspect accessible areas and might use moisture meters.

They will explain the likely causes and recommend any necessary repairs.

It is often requested when a house survey finds possible damp or timber problems.

It provides more detailed information than a standard home survey.

Get in touch with our friendly and knowledgeable team for more information.

Web: https://www.merriganreis.co.uk/contact-us/

Email: [email protected]

WhatsApp: ‪+44 333 090 7610‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Phone: 0333 090 7610

The Merrigan-Reis Partnership LLP is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. OC383768. Head office: 32 High Street, Portishead, Bristol, BS20 6EN.

12/10/2026

DEVELOPMENT FINANCE, STRUCTURED AROUND YOUR VISION.

For property developers, timing is often as important as funding.

At Merrigan-Reis, we provide bespoke Developer Finance solutions designed to support the acquisition, refinancing and delivery of residential and commercial developments.

Our funding solutions can offer:

Up to 80% Net Day One Funding
- Providing substantial upfront funding to support the acquisition and progression of your development.

100% of Developer Costs Covered
- Funding can be structured to include construction, professional fees and associated development costs.

Same-Day Terms
- Clear, competitive terms delivered promptly, enabling you to assess opportunities and move with confidence.

Our approach combines speed, flexibility and specialist expertise, with every facility structured around the individual requirements of the project.

Why Merrigan-Reis?

• Bespoke funding structures
• Efficient decision-making
• Flexible finance solutions
• Experienced specialist support
• Funding designed around your development strategy

From site acquisition through to completion, we work alongside developers to provide the financial certainty required to execute with confidence.

Merrigan-Reis
Developer Finance. Delivered with precision.

📩 Speak to our team to discuss your next development.

Web: https://www.merriganreis.co.uk/contact-us/

Email: [email protected]

WhatsApp: ‪+44 333 090 7610‬‬‬‬‬‬‬‬‬‬‬‬

Phone: 0333 090 7610

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured upon it.

Commercial Mortgages are not regulated by the Financial Conduct Authority.

The Merrigan-Reis Partnership LLP is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. OC383768. Head office: 32 High Street, Portishead, Bristol, BS20 6EN.

09/10/2026

🏡 Could a 2.5% deposit be enough to buy your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:

🔑 Just a 2.5% deposit

🏠 20% government-backed equity loan

💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop us a message and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

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.

The Merrigan-Reis Partnership LLP is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. OC383768. Head office: 32 High Street, Portishead, Bristol, BS20 6EN.

08/10/2026

What is Staircasing?

Staircasing is the process of buying additional shares in a shared ownership property.

For example, you might initially own 25% of the property. You can then buy more shares over time.

As you increase your ownership, your rent decreases.

You can eventually own 100% of the property, depending on the scheme.

Get in touch with our friendly and knowledgeable team for more information.

Web: https://www.merriganreis.co.uk/contact-us/

Email: [email protected]

WhatsApp: ‪+44 333 090 7610‬‬‬‬‬‬‬‬

Phone: 0333 090 7610

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured upon it.

The Merrigan-Reis Partnership LLP is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. OC383768. Head office: 32 High Street, Portishead, Bristol, BS20 6EN.

📍 Llawhaden Castle

07/10/2026

Lots going on in the mortgage market at the moment so there was plenty for James, Dom, Ricky and Greig to discuss earlier today when they met with managers from Keystone Property Finance, Santander, Halifax/Lloyds and Aldermore Bank.

A good mix of both buy-to-let and residential lenders for the Merrigan-Reis team to get valuable insights from.

Thanks for your time Michelle, Sarah, Kirsty and Max👍

06/10/2026

Mortgage Overpayments Example

Let’s see what regular overpayments could do on a £125,000 mortgage over 30 years with a 4.75% interest rate.

Using the Merrigan-Reis mortgage calculator we can see monthly repayments would be £652.06 in this example.

But how much extra would you have to overpay each month to reduce the term by 5 whole years?

Just £60.59! And you could potentially save £20,947.29 over the reduced mortgage term.

That’s the power of regular overpayments.

Get in touch with our friendly and knowledgeable team for more information.

Web: https://www.merriganreis.co.uk/contact-us/

Email: [email protected]

WhatsApp: ‪+44 333 090 7610‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Phone: 0333 090 7610

The Merrigan-Reis Partnership LLP is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. OC383768. Head office: 32 High Street, Portishead, Bristol, BS20 6EN.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured upon it.

Illustrative example based on a £125,000 repayment mortgage at 4.75% over 30 years. Assumes the interest rate remains at 4.75% throughout and the overpayments are made every month throughout. Actual results will vary. Check your mortgage terms for overpayment limits and Early Repayment Charges.

https://www.merriganreis.co.uk/mortgage-calculator/

05/10/2026

🔍 When did you last check what other benefits come with your insurance?

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:

🩺 24/7 GP appointments

🏥 Hospital benefit – a payment if you’re admitted to hospital

🦴 Fracture cover – a lump-sum payment for certain fractures

🧠 Mental health support

💪 Health & wellbeing services

👨‍⚕️ Second medical opinions

💻 Remote medical consultations

👨‍👩‍👧 Support for your family

🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

We can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

04/10/2026

Another five star google review left for the Merrigan-Reis team this week. Thank you😊

02/10/2026

What is Protection?

Protection insurance helps protect you and your family from financial difficulties if something unexpected happens.

It can include life insurance, which provides money to your family if you die.

Critical illness cover can provide a lump sum if you are diagnosed with a serious illness covered in the policy.

And income protection can replace part of your income if illness or injury prevents you from working.

The type and amount of cover depend on the policy and your individual circumstances.

Get in touch with our friendly and knowledgeable team for more information.

Web: https://www.merriganreis.co.uk/contact-us/

Email: [email protected]

WhatsApp: ‪+44 333 090 7610‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Phone: 0333 090 7610

The Merrigan-Reis Partnership LLP is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. OC383768. Head office: 32 High Street, Portishead, Bristol, BS20 6EN.

📍 The Gower Peninsula

01/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:

Can I afford to stay in my home?

Can I take the mortgage on by myself?

Could a family member help me with affordability?

What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, we can look across different lenders to find the right solution for your circumstances, including:

Lenders that allow family members to boost your affordability with their income

Lenders offering stronger income multiples, which could increase how much you’re able to borrow

More flexible approaches to different types of income

Interest-only or part-and-part options where appropriate

Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬

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

High Street
Portishead
BS206EN

Telephone

+443330907610

Website

https://www.merriganreis.co.uk/

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