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Adam Graham - Mortgage & Protection Adviser

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Adam Graham - Mortgage & Protection Adviser

👨‍💼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.

02/09/2026

Ever wondered how banks decide your mortgage interest rate?

Lenders look at swap rates to price the fixed deals you see on the high street.

With two-year swaps at 4.21%, we are seeing a specific trend in short-term pricing.

Five-year rates are currently priced slightly higher at 4.32% based on market expectations.

Comparing different terms now could save you thousands over the life of your loan.

Message me to see the latest rates available for your specific situation.

📞 07934867694 | ✉️ [email protected]

01/09/2026

💼 SELF-EMPLOYED SOLE TRADER? YOUR INCOME STORY MAY BE STRONGER THAN YOU THINK.
One of the biggest worries I hear from sole traders is:
“My income changes every year — will that stop me getting a mortgage?”
Not necessarily.
When assessing a sole trader, lenders may look at things such as:
📊 Your net profit / taxable income
📄 Your SA302s and Tax Year Overviews
📈 Whether your income is increasing, stable or falling
📅 Your previous years’ figures
💷 Your overall affordability
And importantly, different lenders can assess self-employed income differently.
Some may average previous years. Others may take a different approach depending on your latest figures, trading history and their individual criteria.
So if you’ve had:
✅ A stronger latest year
✅ Fluctuating profits
✅ One lower year
✅ A recent increase in income
…don’t automatically assume your mortgage options are limited.
📩 Sole trader and wondering what income a lender could use? Message me “INCOME” and I’ll help you understand your position.
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.

31/08/2026

Inflation is currently sitting at 4.20%, while average wage growth is trailing at 3.53%.

Lenders track these figures closely to decide how much you can comfortably borrow.

With the Bank Rate held at 3.75%, your monthly repayment costs are directly impacted.

Understanding these numbers is the first step to knowing your true buying power.

Send me a DM and I will run the numbers on your specific affordability.

📞 0333 335 5903 | ✉️ [email protected]

28/08/2026

UK property values have climbed by 3.8% in the last 12 months.

The average home is now worth £270,080 as steady buyer demand props up the market.

Higher prices mean you might have built up more equity than you realise.

More equity often unlocks lower interest rates when your current deal ends.

Message me to see how your new property value could lower your next monthly payment.

📞 0333 335 5903 | ✉️ [email protected]

26/08/2026

Most people spend hours scrolling property portals but only minutes comparing mortgage rates.

A broker does the heavy lifting by searching through thousands of deals to find your budget's best fit.

We translate the complex jargon and manage the lender paperwork to save you the stress.

Today's tip: Check your credit report for errors before applying, as this can widen your choice of lenders.

Send me a message and I'll run the numbers for you.

📞 07934867694 | ✉️ [email protected]

26/08/2026

✨ 6–12 MONTHS AWAY FROM BUYING YOUR FIRST HOME? START PREPARING NOW.
You don’t need to be ready to make an offer next week to speak to a mortgage adviser.
Starting early gives you time to:
✅ Set a realistic deposit goal
✅ Understand your potential borrowing
✅ Review your budget and existing credit commitments
✅ Build a clear plan towards becoming mortgage-ready
Sometimes the best mortgage conversation happens months before the property search begins.
📩 Thinking about buying in the next year? Message me “FIRST HOME” and let’s make a plan.

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.

25/08/2026

🔑 OFFER ACCEPTED? TRY TO KEEP YOUR FINANCES STEADY UNTIL COMPLETION.
Getting your offer accepted is exciting, but your mortgage journey isn’t finished yet.
Before completion, it’s sensible to check before making major financial changes such as:
✅ Taking on significant new borrowing
✅ Changing jobs or income arrangements
✅ Making large unexplained transfers or spending
✅ Making other changes that could affect your application
A lender may reassess circumstances before completion, so keep your adviser updated if anything changes.
📩 Got an offer accepted? Send me a message and I’ll help you through the mortgage process.
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.

24/08/2026

Most people think inflation only affects the cost of living. But it can also affect mortgage rates.

UK inflation has risen to 2.9%, up from 2.6% in June.

While the increase wasn’t a surprise, what matters for mortgage rates is what the latest inflation figures could mean for the Bank of England’s next move.

Mortgage lenders can change their fixed rates based on what they think interest rates will do next. That means mortgage deals can change before the Bank of England actually changes its Base Rate.

If you’re buying your first home, moving house or your current mortgage is coming to an end, it could be worth checking what options are available now rather than waiting to see what happens next.

Everyone’s situation is different, but a quick conversation with me can give you a clearer picture of where you stand. 😊

24/08/2026

“𝗛𝗢𝗪 𝗠𝗨𝗖𝗛 𝗖𝗢𝗨𝗟𝗗 𝗜 𝗕𝗢𝗥𝗥𝗢𝗪?”
It’s one of the most common first-time-buyer questions — and it isn’t based on salary alone.
A lender may consider things such as:
✅ Income and employment
✅ Loans and other commitments
✅ Dependants and regular expenditure
✅ Your deposit
✅ Mortgage term
✅ The lender’s own affordability assessment
Two people on the same salary can get very different results.
📩 Want a realistic borrowing check based on your circumstances? Message me “H𝗢𝗪 𝗠𝗨𝗖𝗛”.
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.

23/08/2026

𝗙𝗜𝗥𝗦𝗧-𝗧𝗜𝗠𝗘 𝗕𝗨𝗬𝗘𝗥? 𝗚𝗘𝗧 𝗬𝗢𝗨𝗥 𝗗𝗢𝗖𝗨𝗠𝗘𝗡𝗧𝗦 𝗥𝗘𝗔𝗗𝗬 𝗘𝗔𝗥𝗟𝗬.
Having your paperwork organised can make the mortgage application process smoother.
Depending on the lender and your circumstances, you may be asked for things such as:
✅ Photo ID and address evidence
✅ Recent payslips or other income evidence
✅ Bank statements
✅ Evidence of your deposit and where it has come from
The exact documents vary, so don’t worry if your income or circumstances are a little different.
📩 Message me “DOCS” and I’ll help you understand what you’re likely to need.
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.

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