Kate McTernan-Redditch Mortgage Advice

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Kate McTernan-Redditch Mortgage Advice

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Mortgage Advice Made Easy. With access to 50 UK lenders to find you the most suitable deal. Registered Office: 8 Church Green East, Redditch, B98 8BP.

Redditch Mortgage Advice is a trading name of McTernan Financial Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. Company number: 09168296. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

02/11/2026

We see this so often 🧱

You start a project with a clear budget, then costs creep up and suddenly the finish line feels further away than when you started 😩

The good news is there are options if you find yourself short before the work is done

Remortgaging, can help free up the funds to get your renovation finished the way you planned it 💪

But there are alternatives such as a Further Advance or Second Charge Loan which may be more appropriate if you are already in a Fixed Deal with your existing lender.
We will explore all of the options for you and work out which is most cost effective.

If your renovation costs have crept up and you're not sure what to do next, speak to us 📲

We will talk you through what is possible based on your home and your plans

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage

31/10/2026

A recent study suggests that 25% of people feel they can't afford the cover they need

We believe this shouldn't stop you from having peace of mind 😌
Our mission is to make sure everyone can secure their mortgage with the right protection.

We'll work hard to find a provider and plan that fits your budget. We are here to help 🙌

It all starts with a conversation to see how much it would actually cost to protect you and your family ❤️

Book in a chat with the team today 💬

30/10/2026

Just when you think you've got the tick list done, there's another thing that pops up 😩

When it comes to sorting your mortgage renewal, though, we're here to help 🙌

We'll not only look at your current lender, but we'll also look at lots of other lenders on the market to make sure you're getting the best deal ✅

Book a chat with us today 📲

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage

29/10/2026

Christmas is creeping up on us, and we love an excuse to get the kettle on and catch up with the people we work with

We're holding open days at our Birmingham office in the run-up to Christmas and the New Year, and we'd love to see as many BDMs there as possible 🎄

If you're a BDM and fancy popping in, get in touch about a time that works for you

We'll have the kettle on and a few mince pies at the ready 🎄

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage

28/10/2026

Today's Autumn Budget has officially confirmed the Your First Home Scheme, which we first shared details about a few weeks ago! ✅

The scheme is being introduced to help first-time buyers get onto the property ladder with a smaller deposit.

💰 Eligible buyers could purchase a new-build home with a deposit of just 2.5%, alongside a 20% government equity loan that's interest-free for the first 5 years!

📅 So, when can you get started?

Although applications aren't open yet, pre-registration will begin before the end of 2026, with applications expected to open in February 2027.

Pre-registering doesn't mean you're committing to buying a property. It simply allows you to find out more about whether you're eligible and the price limits in your area.

You can read more about the scheme here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

💷 There's more good news for first-time buyers too!

The Government has also announced plans for a new First Time Buyer ISA, aimed at making saving for your first home simpler.

It's expected to replace the Lifetime ISA for new savers, although anyone who already has a Lifetime ISA will still be able to continue saving into their account.

A launch date for the new ISA hasn't been confirmed yet, but we'll share updates as more information becomes available.

With these announcements, there's plenty for future first-time buyers to feel positive about! 🙌

🏠 Whether you're saving for a deposit or hoping to buy your first property soon, we're here to help you understand your mortgage options and prepare for the next step.

📩 Get in touch today to see how we can help!

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage

28/10/2026

🏡 According to recent figures, one in five people remortgaging in September looked at variable or tracker rates. That's a lot of people thinking outside the usual fixed deal.

A variable rate can move up or down with the market, unlike a fixed rate which stays the same for a set period.

That might sound a bit much, but it can actually work in your favour.

If you're planning a move soon, or you think you might want to fix later on, a variable rate could give you room to breathe.
There's no one size fits all answer here.

Whenever you come to see us, we'll look at all your options and talk through what suits your plans.

Book in your chat with the team today

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage

Source: https://theintermediary.co.uk/2026/10/one-in-five-remortgage-borrowers-consider-variable-rates-as-payment-shock-looms-data-reveals/

27/10/2026

Let's give Louise a well-deserved round of applause for another great review! 👏🏼

26/10/2026

We've helped so many people get the keys to their happily ever after home. 🏡

Some of them never thought it was possible until we sat down and worked through the numbers together

If moving in 2027 is on your mind, now's a good time for a chat with us 📲

Mortgage offers and property chains take a while to come together, so planning early gives you a head start ✅

We can look at what you could afford, what deposit you might need, and what your options look like.

If you're on a low rate already, you may even be able to take it with you to your new home. This is called porting, and it means you keep your existing deal rather than starting fresh 💪

Let's talk about your plans and get you ready to put in that offer when the time comes. 💬

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage

26/10/2026

Happy Birthday to our one & only Yasmin! 🥳 🍾

We hope you have an amazing day & get spoilt rotten 🎁 💐

23/10/2026

We'd love to say they're making a comeback, but they're, as you'd say it: "like fairy dust" 😂

Address

Prospect House, Church Green West
Redditch
B974DJ

Telephone

+441527864222

Website

http://www.redditchmortgageadvice.com/

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