Felipe Garcia - Mortgages & Protection

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.

26/03/2026

👉 “If your income stopped tomorrow, could your family still pay the mortgage?”

Most people think life insurance pays out one big lump sum…

But what if your family just needed your monthly income replaced instead?

That’s where Family Income Benefit comes in 👇

If the worst were to happen, it pays your family a tax-free monthly income – just like your salary.

So instead of worrying about a big payout running out…
they’ve got money coming in every month to cover:
✔️ The mortgage
✔️ Bills
✔️ Day-to-day living

💡 Example:
£1,500 per month for 20 years = real financial stability when it matters most

It’s one of the most overlooked but powerful types of protection I talk to clients about.

If you’ve got a family depending on your income, it’s worth a conversation.

Contact us today for more information - [email protected]." rel="ugc" target="_blank">[email protected].

15/03/2026

💐 Happy Mother’s Day 💐

Today is about celebrating all the incredible mums, step-mums, grandmas, and mother figures who make a house a home.

From school runs and bedtime routines to creating safe, loving homes for their families — mums truly are the heart of it all 🏡❤️

13/03/2026

📈High income doesn't always mean easy mortgages.

Some of the most complex mortgage cases involve high earners.

Why?

Because income might come from:

• Multiple companies
• Bonuses and commissions
• Dividends
• Investments
• Self-employed income

Many lenders prefer simple payslips.

But real financial situations are often far more complex.

The key is understanding which lenders are comfortable with these structures.

Contact us today for more information - [email protected]" rel="ugc" target="_blank">[email protected]

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

12/03/2026

I have recently dealt with a case where my client nearly lost out on a significant amount of borrowing power.

Not because they couldn’t afford the mortgage. But because the wrong income figure was used.

The client came to me after approaching a mainstream lender directly.

They had a complex income structure, earning through both:

• Employment
• Self-employment through their business

The lender assessed the case using only the gross employed salary, completely overlooking the net profits generated by the business. As a result, the borrowing capacity was much lower than it could have been.

When I reviewed the case, I looked at the full financial picture.

By structuring the application correctly and presenting it to the right lender, we were able to include the business net profits as part of the affordability assessment.

The result?

A significantly higher borrowing amount, giving the client far more flexibility with their purchase.

This happens more often than people realise.

Many mortgage cases struggle not because the client doesn’t qualify, but because the case hasn’t been assessed or presented in the right way.

This is particularly common with:

• Company directors
• Self-employed clients
• Multiple income streams
• Complex financial structures

Sometimes the difference isn’t the client. It’s understanding how lenders assess income.

Do you have an income structure which is more complex than a simple payslip? It’s worth speaking with someone who understands how to approach these cases. Contact us today on [email protected]

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

05/02/2026

Top 3 Reasons People Regret Not Taking Protection Earlier.
1️⃣ They assumed it wouldn’t happen to them
2️⃣ They didn’t realise how affordable it was
3️⃣ They waited until it was too late

Protection is one of those things you hope you never need — but are incredibly grateful for if you do.

Protection is often one of the smartest financial decisions you can make. To discuss how this would look for you and your family, contact us today [email protected]