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Adam Graham - Mortgage & Protection Adviser

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Adam Graham - Mortgage & Protection Adviser

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👨‍💼Mortgage Adviser 🇬🇧
🏡Helping YOU get onto the ladder
💸Helping people buy their dream home

Mortgage Hub North West is a trading name of Ernest May Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. FCA number: 979878

We typically charge upto 1%, typically we charge £495 on the mortgage application per case. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

16/10/2026

🏡 Limited company director? Your salary might only tell half the story.

If you take a low salary and leave profits in your business, you might assume you can’t borrow enough for the home you want.

But lenders assess directors’ income differently. Some use salary and dividends, while others can consider salary plus your share of company profits, subject to their criteria.

It’s worth checking your options before ruling out your next move.

📩 Message me “DIRECTOR” and let’s look at your figures.
📧 [email protected]

Adam Graham | Mortgage Hub North West
Based in Preston, helping clients across the UK.

Borrowing is subject to affordability, status and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

16/10/2026

Over 11,000 mortgages were approved in the last month alone. Specifically, 11,845 people successfully secured a mortgage offer to move or remortgage. This shows that despite economic shifts, the market remains active and lenders are still lending. If you have been waiting on the sidelines, the market is moving forward without you. Get your paperwork ready early to ensure a smooth application process. Send me a message to get your application started.

✅

📞 07934867694 | ✉️ [email protected]

14/10/2026

Know someone who needs a mortgage? There’s a £50 thank you for you 🏡
If I’ve helped you with yours, I’d love to help your friends, family or colleagues too.
You’ll receive £50 for every person you refer who gets a formal mortgage offer through me.
They could be:
🔑 Buying their first home
🏡 Moving home
🔄 Remortgaging
🏘️ Buying a buy-to-let
Just pass on my details and ask them to mention your name when they first get in touch. Once their mortgage offer is issued, I’ll arrange your £50 payment.
Thanks for supporting my business — every recommendation means a lot.
Adam Graham | Mortgage Hub North West
📞 07934 867694
📧 [email protected]

𝗢𝗳𝗳𝗲𝗿 𝘀𝘁𝗮𝗿𝘁𝘀 𝟭𝟰 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟬𝟮𝟲. 𝗢𝗻𝗲 £𝟱𝟬 𝗿𝗲𝘄𝗮𝗿𝗱 𝗽𝗲𝗿 𝗿𝗲𝗳𝗲𝗿𝗿𝗲𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗰𝗮𝘀𝗲, 𝗽𝗮𝘆𝗮𝗯𝗹𝗲 𝗼𝗻 𝗳𝗼𝗿𝗺𝗮𝗹 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗳𝗳𝗲𝗿.

Your home may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

Your household budget might be on a stronger footing than the experts first thought.

New data shows UK incomes grew by 1.1% in the first six months of the year.

A resilient economy often leads to better stability in the mortgage market.

Higher recorded income could mean you qualify for a larger loan than you expected.

Check your latest payslips to see how your recent pay rises impact your borrowing power.

Send me a message and I'll run your numbers to see what you could borrow now.

📞 07934867694 | ✉️ [email protected]

12/10/2026

UK house prices have grown by 1.4% over the past twelve months. This modest increase is good news for homeowners looking to protect the equity in their property. It also means the market isn't overheating, which is helpful for those trying to save a deposit. Stability in prices makes it easier to plan your next move with confidence. Check your current mortgage balance against your property value to see your equity position. Message me to see how much equity you could unlock.

🏠

📞 07934867694 | ✉️ [email protected]

09/10/2026

🏡 Fixed Rate, Tracker Rate or SVR: Understanding Your Mortgage Options
When choosing a mortgage, it's important to understand how different interest rates can affect your monthly payments and long-term financial planning.
🔒 𝗙𝗶𝘅𝗲𝗱 𝗥𝗮𝘁𝗲
A fixed-rate mortgage keeps your interest rate the same for a set period, typically 2, 3, 5 or 10 years.
✅ Predictable monthly payments ✅ Protection from interest rate rises ✅ Ideal for those who value stability and certainty
📈 𝗧𝗿𝗮𝗰𝗸𝗲𝗿 𝗥𝗮𝘁𝗲
A tracker mortgage follows the Bank of England base rate, plus a fixed percentage.
✅ Payments may decrease if the base rate falls ✅ Usually offers more flexibility than fixed rates ✅ Suitable for borrowers comfortable with some fluctuations
Keep in mind that if the base rate rises, your monthly payments are likely to increase too.
🔄 𝗦𝗩𝗥 (𝗦𝘁𝗮𝗻𝗱𝗮𝗿𝗱 𝗩𝗮𝗿𝗶𝗮𝗯𝗹𝗲 𝗥𝗮𝘁𝗲)
The SVR is your lender's own variable rate and can change at any time.
✅ Often the rate borrowers move onto when a mortgage deal ends ✅ Greater flexibility in some cases ✅ Payments can rise or fall without direct correlation to the base rate
Because SVRs are typically higher than many introductory mortgage deals, it's worth reviewing your options before moving onto one.
💡 There is no "one-size-fits-all" mortgage. The right choice depends on your circumstances, financial goals and attitude to risk.
If you'd like to understand which option may be suitable for your situation, I'm always happy to discuss your mortgage options.

Adam Graham, BA (Hons), CeMAP
📞 07934 867694
📧 [email protected]
🌐 MortgageHubLtd.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is £595.
Mortgage Hub North West is a trading name of Ernest May Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

09/10/2026

Inflation is currently at 4.20%, which is higher than the current wage growth of 3.53%. This gap matters because it affects how much spare cash you have for mortgage payments. The Bank of England watches these numbers closely when deciding whether to move interest rates. For homeowners, it means being extra careful with monthly budgeting and fixed-rate choices. Check your monthly outgoings to see how inflation is impacting your mortgage readiness. DM me if you want to review your budget.

📊

📞 07934867694 | ✉️ [email protected]

08/10/2026

🏡 Mortgage Terminology Explained: LTV & APRC
Mortgage jargon can sometimes feel confusing, so here are two important terms explained in simple language.
1️⃣ 𝗟𝗧𝗩 – 𝗟𝗼𝗮𝗻-𝘁𝗼-𝗩𝗮𝗹𝘂𝗲
LTV is the percentage of the property's value that you need to borrow through your mortgage.
For example, if a property is worth £250,000 and you have a £50,000 deposit, you would need to borrow £200,000.
That means your mortgage would be 80% LTV.
Generally, a lower LTV can give you access to a wider range of mortgage products and potentially more competitive rates, although this will depend on the lender and your circumstances.
2️⃣ 𝗔𝗣𝗥𝗖 – 𝗔𝗻𝗻𝘂𝗮𝗹 𝗣𝗲𝗿𝗰𝗲𝗻𝘁𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗼𝗳 𝗖𝗵𝗮𝗿𝗴𝗲
APRC is designed to show the overall cost of a mortgage over its full term, taking into account the interest rate and certain fees and charges.
It can be useful when comparing mortgage products because it provides a broader picture than simply looking at the initial interest rate.
However, it's important to remember that the APRC is based on assumptions about the mortgage lasting for the full term, so it shouldn't be the only factor you consider when choosing a mortgage.
💡 Understanding LTV and APRC can help you make sense of mortgage deals and compare your options more confidently.
If you're unsure what these terms mean for your circumstances, I'm happy to explain them in plain English.

📞 Adam Graham, BA (Hons), CeMAP
07934 867694
📧 [email protected]
🌐 MortgageHubLtd.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is £595.
Mortgage Hub North West is a trading name of Ernest May Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

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Adam Graham - Mortgage & Protection Adviser

16/10/2026

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