Jarrod Latham - Mortgage Adviser at Zita Latham Mortgages

Jarrod Latham - Mortgage Adviser at Zita Latham Mortgages Entrepreneurial Mortgage Broker with a modern approach.

28/07/2026

Rates are shifting, but is now actually a good time to buy?

In this video, I share a quick market update, why it’s currently a buyer’s market, and why timing the market isn’t always the right approach.

If you’re feeling unsure or waiting for the “perfect time”, this is worth a watch to help understand your options.

28/07/2026

Self employed and thinking about buying this year?

Now is the perfect time to get your latest tax return finalised, especially if you’ve had a strong year. It could make a real difference to how much you’re able to borrow.

In this video, I explain how lenders assess self employed income, why timing matters, and how some lenders can even work with just one year of accounts.

If your income is a little more complex, the right advice can make all the difference.

If you have any questions, please let me know.

28/07/2026

Receiving a house deposit from abroad?

Planning ahead is essential.

One of the biggest reasons property purchases can be delayed is because buyers underestimate the amount of evidence required when funds are coming from overseas.

From bank statements and proof of wealth, to gifted deposit letters, ID checks and certified translations, UK lenders and solicitors must follow strict Anti-Money Laundering regulations.

The good news? With the right preparation, the process can be much smoother.

In our latest video, we explain what documents you'll need, common pitfalls to avoid, and how to prepare your overseas funds before making an offer on a property.

📺 Watch this video for more details and guidance.

If you're a foreign national buying in the UK, or receiving a deposit from abroad, we're always happy to help.

28/07/2026

Buying a home together is exciting.

But before the saved kitchens, the garden ideas, and the “this could be us” conversations, you need to talk about the numbers.

What payment feels comfortable for both of you?

How much cash should stay in savings after closing?

Whose credit, income, and debts are being used for the mortgage?

Who is on the mortgage?

What happens if one person’s job changes, income changes, or timeline changes?

Not romantic.

Very necessary.

The strongest buyers are not always the ones with the biggest budget.

Sometimes they are the ones who had the honest money conversation before the house made everything emotional.

Save this for later.
Send it to the person you want to buy with.

We are looking for driven, client-focused individuals to join us as a Mortgage Broker.We're a growing brokerage with a r...
28/07/2026

We are looking for driven, client-focused individuals to join us as a Mortgage Broker.

We're a growing brokerage with a reputation built on trust, quality advice, and outstanding client relationships.

We particularly welcome applicants with a foreign national background. Our diverse client base values brokers who truly understand their world.

Swipe for more details about the role, what you'll be doing, what we're looking for and what you'll get from working at ZLM. 🏡

Got a question? Please get in touch.

28/07/2026

We're resharing the very first episode of Home Made By The Lathams because the advice is just as relevant today.

We cover everything from choosing the right location and understanding your budget, to deposits, affordability, paperwork and how to prepare before you even start viewing properties.

Our aim has always been simple: to help you feel informed, confident and supported throughout your home buying journey.

Head over to our YouTube channel to watch the full episode. I hope you find it helpful.

28/07/2026

Saving a 15% house deposit alone is taking years. 😑

Single buyers in the North East face the longest wait at 156 months (13 years), while the South East has the shortest at 75 months (just over 6 years). The England average is 90 months.

The good news is that a 15% deposit isn’t always needed, and we can help clients with low deposits (5%).

We even work with lenders who offer zero deposit options!

Budgeting is key, efficiency counts, and it's never too early to start visualising your property dream.

The best place to start? Speak to us, and download our free budget planner via the link in the bio.

Figures in the video are based on average first-time buyer house price and regional earnings.

Source: Reallymoving.

24/11/2025

✨What to Consider When Buying a Property✨

Episode 1, from Home Made By The Lathams is here! 📽️

In this new video series (link in bio), we invite you inside our Surrey home, to share our insights, experiences and knowledge surrounding the home buying process and mortgages.

In this episode we cover:

* An insight into our own journey of buying property in the UK
* What to consider when it comes to choosing a location
* Affordability and finding out what you can truly afford
* Understanding your budget and the potential need to compromise
* Being aware of the various fees involved of buying a home in the UK
* Mortgage options if you have no/low deposit, or if your deposit is coming from a gift, i.e. inheritance, or from overseas
* What documents you need and the proof of income required
* Considerations when we recommend lenders to you
* The importance of being prepared before you begin the process

Your mortgage and house buying process shouldn't be stressful. Our friendly and conversational style series will help you feel calm and informed about many areas of the mortgage and home buying process.

Make sure you're subscribed to our YouTube channel for new videos, and follow us on social media for updates. 👇
https://youtu.be/VvPN3B-KVrs?si=kfPiG2pf9E10FB-a

19/11/2025

🎥 Launching next week!

Our new video series, Home Made By The Lathams, launches on Monday. 🍿

Make sure you're subscribed to our YouTube channel for our new video series.

www.youtube.com/

Your mortgage and house buying process shouldn't be stressful and that's why we are bringing you our new video series. We're sharing our professional and personal experiences with you, to help you feel informed about many areas of the mortgage and homebuying process.

26/02/2025

I am delighted to be featured in a recent article published in industry favourite The Intermediary.

In our first official piece of press we discussed the launch of Zita Latham Mortgages.

I am excited to announce the expansion of the team and my husband Jarrod Latham joining who will bring over two decades of banking experience.

We are entrepreneurial mortgage brokers with a modern approach. We're using modern technology, we operate all over the UK, are down to earth, approachable, flexible and most importantly put clients first.

Thank you so much for your support! Keep following for more updates over the coming weeks.

Please head over to The Intermediary to read the full article.

https://theintermediary.co.uk/2025/02/zita-latham-to-launch-independent-brokerage-after-successful-tenure-at-the-mortgage-mum

Address

Hamilton House, 87-89 Bell Street
Reigate
RH27AN

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+447825126245

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