The Merrigan-Reis Partnership

18/06/2026

17/06/2026

Dom, James and Sarah attended the June Roadshow event hosted by The Right Mortgage & Protection Network today. Sarah had to leave early for an appointment with a client so isn’t pictured unfortunately.

Thanks for your time Santander, Clydesdale, Virgin Money, Fleet Mortgages, Holloway Friendly, National Friendly, Underwrite Me, Acre, Affirmative Finance, British Friendly, Chetwood Bank, Greenfield Bridging, Source Insurance, Vitality.

16/06/2026

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. ❤️

👉 Contact us to arrange your review.

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

Email: [email protected]

WhatsApp: ‪+44 333 090 7610

Phone: 0333 090 7610

15/06/2026

What is a Product Transfer?

A product transfer is when you move to a new mortgage deal with your current lender instead of remortgaging to a different lender.

When your fixed or tracker rate is coming to an end, the current lender might offer you a new deal.

A product transfer can be quicker and simpler than remortgaging with a new lender.

In many cases there is less paperwork, no need for a solicitor, and the current lender might not require a full affordability check.

However, a product transfer often doesn’t offer much flexibility or the best deal available on the market.

Remortgaging with a different lender could provide more suitable options with lower costs and better features.

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.

📍Pembrokeshire

12/06/2026

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 us work faster, but it isn’t the mortgage broker.

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 on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

11/06/2026

What is Buildings Insurance?

Buildings insurance covers the structure and permanent fixtures of your property.

It protects against damage from events such as fire, storms, floods, and burst pipes.

It typically covers things like floors, walls, roofs, windows, bathrooms, kitchens, garages, and sheds.

It does not cover personal belongings inside the home.

Contents insurance covers those items separately.

Mortgage lenders usually require buildings insurance.

If you own a leasehold flat, the freeholder or management company often arranges it for the whole building.

The insurance amount is based on the rebuild cost of the property, not its market value.

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.

📍 Prince of Wales Dock, SA1, Swansea

10/06/2026

🧠💪 The more you look after your health, the lower you can keep your premiums, and that’s just the start…

Some life insurance plans now offer rewards from day one through selected partners such as Apple Watch, Caffè Nero, ODEON, and Vue, including:

🏋️ Gym discounts
☕ Free weekly coffee
🎬 Free cinema tickets
🧖 Discounted spa breaks

So instead of only paying in, you can actually get something back, without needing to claim. 💸

👉 Please get in touch to explore your options.

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

Email: [email protected]

WhatsApp: ‪+44 333 090 7610

Phone: 0333 090 7610

09/06/2026

🏚️ Some lenders offer refurb-to-let options that are designed for experienced landlords looking to update or improve investment properties and add value, with flexible options available and the ability to apply for a follow-on ‘standard’ Buy to Let product rate afterwards 👇

We work with lenders who allow:
✔ Up to 6 months available for refurbishment works
✔ Option to secure a longer term fixed rate afterwards
✔ No exit fees or early repayment charges
✔ Faster legal process with Title Insurance available

This can also support:
🏠 Converting a standard property into an HMO (up to 6 occupants)

One of the biggest advantages?
Your refurbishment and Buy to Let applications can be reviewed together by the same underwriter — helping create a smoother process, quicker turnaround times and a clear exit strategy from the outset 💡

📩 Message us to discuss your refurbishment plans and available options.

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

Email: [email protected]

WhatsApp: ‪+44 333 090 7610

Phone: 0333 090 7610



Subject to full mortgage application and product range.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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.

08/06/2026

A further advance is when you borrow extra money from your current mortgage lender.

It is added to your existing mortgage instead of taking out a new mortgage with another lender.

People often use a further advance for home improvements, debt consolidation, or other large expenses.

The loan is secured against your property, just like your main mortgage.

Before approving it, the lender will check your income, affordability, and the value of your property.

The further advance might also have a different interest rate or repayment term from your current 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

Think carefully about securing other debts against your property.

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.

📍Pembrokeshire

04/06/2026

View this blog on our website here⤵️
https://www.merriganreis.co.uk/blog/mortgage-blog-latest-news/cashback-vs-free-legals/