The Merrigan-Reis Partnership

The Merrigan-Reis Partnership Built upon trust since 1992. Mortgage Advice and so much more!

💡 You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the ter...
28/05/2026

💡 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.

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.

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.

27/05/2026

What is an Energy Performance Certificate?

An Energy Performance Certificate (EPC) shows how energy-efficient a property is.

It gives the property a rating from A to G, with A being the most efficient and G the least efficient.

An Energy Performance Certificate is usually required when a property is built, sold, or rented.

It includes information about estimated energy costs and carbon emissions.

It also gives recommendations for improving efficiency, such as adding insulation, upgrading heating systems, or installing double glazing.

The assessment is carried out by an accredited energy assessor who inspects the property.

An Energy Performance Certificate is valid for 10 years.

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.

📍St Aidan’s Church, Pembrokeshire

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.Now, a...
20/05/2026

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 us a message or comment “6x” and we’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.

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.

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

Email: [email protected]

WhatsApp: ‪+44 333 090 7610

Phone: 0333 090 7610

19/05/2026

What is a Fixed Rate Mortgage?

With a fixed rate mortgage, the interest rate stays the same for a set period.

This is commonly 2 or 5 years, but other periods are available.

Because the rate does not change, your monthly payments stay the same during the fixed period.

This can make budgeting easier and gives you some protection if interest rates rise.

However, if interest rates fall, your monthly payments will not go down.

When the fixed term ends, the mortgage usually moves onto the lender’s standard variable rate, which is often higher.

Many people choose to remortgage onto a new deal before this happens.

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

Google review left for the Merrigan-Reis team over the weekend. Thank you😊
18/05/2026

Google review left for the Merrigan-Reis team over the weekend. Thank you😊

15/05/2026

What is a Green Mortgage?

A Green Mortgage is a mortgage for energy-efficient homes.

It usually applies to properties with an Energy Performance Certificate (EPC) rating of A or B.

The mortgage may come with benefits such as lower interest rates, cashback, or reduced fees.

Some lenders also offer extra borrowing to improve a home’s energy efficiency.

Home improvements can include insulation, solar panels, heat pumps, or double glazing.

Lenders offer these products to support greener homes and lower energy use.

However, a green mortgage is not always the cheapest deal available, so it’s important to compare options carefully.

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.

📍Severn Bridge View

🚨 Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🚨You could now get on the p...
14/05/2026

🚨 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.

We have access to this deal, so drop us message! 👇

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.

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.

James, Phil, Sarah, Dom and Andy attended the Full House mortgages, protection & conveyancing event at Bristol Golf Club...
13/05/2026

James, Phil, Sarah, Dom and Andy attended the Full House mortgages, protection & conveyancing event at Bristol Golf Club today.

An engaging and informative morning with Nottingham Building Society, Skipton Building Society, Saffron Building Society, West Brom Building Society, LendInvest Mortgages, Gen H, Sort Refer, The Exeter.

Thank you to all these providers for hosting.

12/05/2026

What is a Declaration of Trust?

A declaration of trust, also called a deed of trust, is a legal document that records who owns what share of a property.

It is often used when two or more people buy a property together and contribute different amounts.

The document can record things such as deposits, mortgage payments, and how money from a future sale will be divided.

It is commonly used by unmarried couples, friends, and family members buying together.

It is usually linked to owning property as tenants in common rather than as joint tenants.

If properly drafted and signed, it is legally binding and can help prevent disputes later.

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.

Declarations of Trust 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.

📍 Pembrokeshire

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Portishead
BS206EN

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+443330907610

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