Felipe Garcia - Mortgages & Protection

11/06/2026

If you've been wondering whether now is the right time to buy, move home, remortgage, or review your mortgage, you're probably not alone.

The mortgage market continues to change, and what was right six months ago may not be the best option today.

Whether you're a first-time buyer, a homeowner coming to the end of a deal, or a landlord looking at your next investment, it's always worth understanding your options.

As always, Contact us today and we will point you in the right direction.

📞 01772 419035
📩 [email protected]

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

15/05/2026

🎬 Behind the Scenes of a Mortgage Adviser

Most people see the photo with the keys at the end. 🔑
What they don’t see is everything happening behind the scenes to get there.

A large part of my day is spent:

✅ Reviewing bank statements
📄 Checking payslips and documents carefully
💻 Researching lender criteria
📞 Speaking with lenders, solicitors, estate agents, and clients
🧩 Solving problems when cases become complicated
⏰ Working against deadlines to keep things moving

No two mortgage cases are ever the same.

Sometimes it’s helping a first-time buyer understand the process.
Sometimes it’s finding solutions for self-employed clients, landlords, or complex income cases.
The goal is always the same:
making the process as smooth and stress-free as possible for the client.

It’s not always glamorous behind the scenes… but helping people move forward makes it worthwhile. 🏡

14/05/2026

🏡 Mortgage Tip of the Day

One of the biggest mistakes people make is only checking with their own bank.

Different lenders assess income, affordability, and credit history very differently — which is why exploring the wider market can make a huge difference.

A quick conversation early on can often save time, stress, and disappointment later.

Contact us today if you have questions about your options.

☎ 01772 419035 📩 [email protected]

Subject to lender criteria at the time of application.

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

30/04/2026

23/04/2026

💭 Should you fix your mortgage rate right now?

It’s one of the most common questions I’m getting this week 👇

➡️ Rates have started to settle… but they’re still unpredictable
➡️ Fixing gives you certainty (but you could miss future drops)
➡️ Staying variable gives flexibility (but comes with risk)

There’s no “one-size-fits-all” answer — it depends on:
✔️ Your income stability
✔️ Your future plans
✔️ Your attitude to risk

I’ve helped a few clients this week lock in peace of mind, while others are holding off strategically. If you're uncertain about the right steps for you, contact us today to discuss your options.

[email protected]" rel="ugc" target="_blank">[email protected]

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