The Merrigan-Reis Partnership

The Merrigan-Reis Partnership 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

A couple of google reviews left for the Merrigan-Reis team this week.We really appreciate you taking the time to write t...
04/09/2026

A couple of google reviews left for the Merrigan-Reis team this week.

We really appreciate you taking the time to write these. Thank you 😊

🎒 Back to School. Back to Protection.September is a time for fresh starts, new routines and planning for the year ahead....
03/09/2026

🎒 Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

Oliver, James, Ricky, Andy and Greig met with managers from HSBC and Birmingham Midshires earlier today.Welcome to the M...
02/09/2026

Oliver, James, Ricky, Andy and Greig met with managers from HSBC and Birmingham Midshires earlier today.

Welcome to the Merrigan-Reis team Ricky!

Both residential and buy-to-let mortgage markets were discussed in detail.

Thanks for your time Sheree and Jonathan.

01/09/2026

What are Mortgage Overpayments?

Mortgage overpayments are extra payments made on top of your normal monthly payment.

They reduce your mortgage balance faster, which can lower the total interest paid and help you pay off your mortgage sooner.

Many mortgages allow you to overpay up to 10% of the outstanding balance each year without a charge, but this varies by lender and mortgage deal.

If you exceed the permitted amount, you might face an early repayment charge (ERC).

Always check your mortgage terms before making an overpayment.

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.

💼 Self-employed? Your income is your business’s biggest assetIf you're self-employed, what happens when you can't work?U...
28/08/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent

💡 Household bills

🚐 Vehicle and business costs

🛒 Everyday living expenses

👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?
£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

27/08/2026

What is Contents Insurance?

Contents insurance covers the belongings inside your home.

It helps pay to repair or replace them if they are damaged, destroyed, or stolen.

This can include furniture, clothes, electronics, and other personal possessions.

It usually covers events such as fire, theft, flooding, storms, and burst pipes.

Most policies do not cover normal wear and tear or accidental damage unless this is added as an extra.

Contents insurance is different from buildings insurance, which covers the structure of the property

If you rent your home, your landlord’s insurance will usually cover the building but not your belongings.

Contents insurance helps protect your personal possessions.

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.

🏡 Mortgage deal ending in 2027? Let’s chat now.Why so early?Because when your current mortgage deal is coming to an end,...
26/08/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

We like to start speaking to our clients around 6 months before their deal ends.

That gives us time to:

🔎 Review your current mortgage and circumstances

📊 Look at what's happening across the wider mortgage market

⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance

🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used us before?

That doesn't matter.

One meeting gives us the information we need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of our client bank, so going forward we'll be keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.
We get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send us a message and we'll make sure we're ready when the time comes.



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.

24/08/2026

What is a Tracker Mortgage?

With a tracker mortgage the interest rate follows a benchmark interest rate, usually the Bank of England base rate.

The interest rate is set as the base rate plus a fixed percentage.

For example, if the base rate is 3.75% and the tracker is +1%, you pay 4.75%.

If the base rate goes up, your mortgage rate and monthly payments go up.

If the base rate goes down, your mortgage rate and monthly payments go down.

Some tracker mortgages also don’t have early repayment charges.

However, your payments are less predictable than with a fixed-rate mortgage.

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.

🩺 Critical Illness Cover vs Income Protection: What's the Difference?They both provide financial support when illness af...
21/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover

If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:

- Pay off or reduce your mortgage
- Cover household bills
- Make changes to your home
- Take time away from work
- Help with recovery costs

💼 Income Protection

If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:

- ‎Mortgage or rent
- ‎Household bills
- Everyday living costs
- Family commitments

Think of it this way:

🩺 Critical Illness Cover = A lump sum following a covered diagnosis.

💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us for a protection review.

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?As summer starts to draw to a close, have those sunny da...
19/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.

💷 The mortgage? That’s where we can help.

With access to over 120 lenders, we can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning we do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩



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

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