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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.

03/06/2026

Quick one for you…
If you could type anything into the search bar, what type of home do you want? 🏡
Be as specific as you like:
- location/road
- number of bedrooms
- detached/semi/terrace/bungalow
- big garden; driveway; garage; open-plan kitchen
- “needs work” project vs turnkey
Comment your answer below.

01/06/2026

Mortgage Q&A (Self-Employed) 💼🏡
If I’m self-employed, which year’s figures will lenders use — and what if my latest year is lower/higher?
Most lenders will look at your last 2 years’ income and then assess you using either:
a 2-year average; or
the most recent year (often where income is stable or increasing).

If your latest year is higher: you may be able to borrow more — depending on the lender.
If your latest year is lower: many lenders will base affordability on the lower figure (or a lower average), which can reduce borrowing.

You’ll usually need 2 years’ SA302s + Tax Year Overviews (and sometimes accounts, depending on your setup).

If you’re self-employed and want a quick sense-check before you apply, message me and I’ll point you in the right direction.

29/05/2026

Refer a friend. Get £50. 💷🏡
If you know someone who’s buying, moving home, or remortgaging, send them our way.
When your friend’s mortgage completes, we’ll pay you £50 as a thank you ✅
All they need to do is mention your name when they get in touch (or you can message me their details and I'll take it from there).
📩 Want to refer someone? Message “REFER” and I'll explain the simple steps.

27/05/2026

Find the Right Buy-to-Let Mortgage Deal 🏡🔑
Buy-to-let mortgages aren’t one-size-fits-all. The right deal depends on things like your deposit, expected rental income, the property type, and whether you’re buying personally or via a limited company.
That’s where I can help.
I'll compare options across the market (including specialist lenders where needed) and guide you through it — so you can make a confident decision as a landlord.
📩 Message me BTL” and we’ll book a free, no-obligation chat.

22/05/2026

𝗖𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗻 𝗮 𝗳𝗹𝗮𝘁 𝘄𝗶𝘁𝗵 𝗮 𝘀𝗵𝗼𝗿𝘁 𝗹𝗲𝗮𝘀𝗲 — 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗹𝗲𝗮𝘀𝗲 𝗹𝗲𝗻𝗴𝘁𝗵 𝗱𝗼 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝘂𝘀𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁?
Often yes, but it’s very lender-dependent.
As a rough guide, many lenders like to see around 70–85+ years remaining at the start of the mortgage (and some want more). If the lease is shorter, your lender options can reduce, rates can be less competitive, and it can also affect how easy the flat will be to sell or remortgage later.
The key is spotting it early — before you spend money on solicitors and surveys — so you can:
- target the right lenders ✅
- understand your options (including the lease extension route)

If you’re buying a flat and you’re unsure about the lease length, message me “LEASE” and I'll point you in the right direction.

21/05/2026

𝗥𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗖𝗵𝗲𝗰𝗸-𝗨𝗽: 𝗞𝗻𝗼𝘄 𝗬𝗼𝘂𝗿 𝗢𝗽𝘁𝗶𝗼𝗻𝘀 🏡💷
If your fixed rate is ending soon (or you’ve been meaning to review your deal), a quick check-up can give you clarity on what’s available — and what your next best step should be.

I'll help you understand:
- what deals you could move onto ✅
- what your monthly payments might look like 💷
- whether a 2-year or 5-year fix suits your plans 📆
- and how early you can secure a new rate (often 3–6 months before your current deal ends)

📩 Message me “CHECK-UP” and we’ll book a free, no-obligation chat.

15/05/2026

Mortgage tip for Ltd company directors 💼🏡
If you’re a Ltd company director, don’t assume lenders will only look at salary + dividends.
Some lenders can assess affordability using salary + your share of net profit — which can make a big difference if you retain profits in the business rather than paying everything out personally.

The catch? It’s lender-specific and you’ll need the right documents/accounts to support it ✅
If you’re a director and want a quick sense-check on how lenders could view your income, message us “DIRECTOR”.

14/05/2026

Is it time to review your current budget? 💷🏡
If your mortgage deal is ending soon, a remortgage review can be a smart way to sense-check where you stand.

It can help you understand:
- what your payments could look like on a new deal
- whether fixing for longer would give you more certainty
- if there’s a better option than simply rolling onto your lender’s SVR

Most people can review and secure a new deal 3–6 months before their current one ends ✅

📩 Message me “BUDGET” and we’ll book a free, no-obligation remortgage chat.

08/05/2026

Get access to 90+ lenders and 12,000+ mortgage deals 🏡💷
Whether you’re buying your first home, moving, or your fixed rate is ending and you’re looking at a remortgage, the right deal isn’t always the one your bank offers.
I can compare options across the market — including high street banks and specialist lenders — to find a mortgage that fits your circumstances, not a one-size-fits-all box ✅
If you want a quick, no-pressure chat about what’s available to you, message me “DEALS” and we’ll get you booked in.

06/05/2026

The value of a parent 👨👩👧👦💛
The job description of a parent is endless — provider, protector, taxi, chef, teacher, comforter… the list goes on.
But have you ever stopped to think: what would happen if you were suddenly unable to do those things?
This is why so many families choose to review their protection alongside their mortgage — so the bills, the home, and day-to-day life are still covered if the unexpected happens.
If you’d like a quick, no-pressure chat to sense-check what cover you have (and whether it still fits your family today), message me “PARENT” and we’ll talk it through.

Address

Preston

Telephone

+447934867694

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