Property Link Homes Mortgage Advice

27/02/2026

09/01/2026

With average house prices in Ripon (HG4) sitting around £311,000—compared to the much higher entry points in Harrogate—more families and first-time buyers are looking toward our historic Cathedral City for better value.

Whether you’re eyeing a terrace near the Market Square or a detached home toward Bishopton, the key to winning in this market is being "Mortgage Ready."

Market stats are one thing, but local knowledge is another. 🏠 DM us your #1 question about buying in Ripon right now!

08/01/2026

Nothing is legally binding until you exchange contracts. That means someone can swoop in at the last second with a higher offer. It’s called gazumping, and it’s every buyer's worst fear.

But you aren't powerless! Here is the "Broker Strategy" to lock in your dream home:

➡️Be Paperwork Ready: Have your Decision in Principle (DIP) before you even make an offer. It proves you're serious.
➡️Move FAST: Submit that mortgage application the moment your offer is accepted.
➡️Instruct the Valuation: Doing this early shows the seller you’ve invested money and are committed to the finish line.
➡️The Request: Once your mortgage offer is in, ask the estate agent to take the property off the market immediately.

Don't let your dream home slip away. Watch the video for the full breakdown! 🎥

Have you ever been gazumped? Share your story below! 👇

05/01/2026

The start of a new year is the perfect time to give your finances a serious overhaul, and nothing provides better returns than optimising your mortgage.

Capitalise on Clarity: With the holidays over, January offers a clear window to focus on big financial decisions before life speeds up again. Use that "New Year, New Me" energy to secure a better rate.

Rate Market Advantage: The mortgage market constantly shifts. Reviewing your deal now ensures you are not unknowingly stuck on your lender's Standard Variable Rate (SVR), which is often significantly higher than a new fixed or tracker rate.

Future-Proofing Your Budget: Whether you're nearing the end of your fixed term or just haven't looked at your rate in two years, a health check in January allows you to secure a competitive new deal, lock in lower payments, and budget with confidence for the rest of 2026.

Avoid the Spring Surge: When the housing market heats up in Spring, lenders and brokers become significantly busier. Starting the process now means smoother, faster applications.

Stop leaving thousands of pounds on the table. A simple check today could slash your 2026 repayments.

02/01/2026

The UK rental rulebook is being rewritten. Starting 2026, The Renters' Rights Act changes everything. A single legal mistake could cost you thousands in fines or block you from regaining possession.

The Body (Focus on Risk)

Being a landlord is now hyper-regulated. You cannot ignore these three core changes:

End of Section 21: Evictions require fault/grounds and perfect documentation.

All Tenancies Periodic: Tenants can leave faster; compliance (EICR, EPC, etc.) must be continuous.

New Registration & Ombudsman: Mandatory national registration and new dispute resolution rules mean higher scrutiny.

Legal protection is now non-negotiable. Don't risk your property's income to outdated management.

31/12/2025

What a Way to End the Year! 🌟
We are absolutely thrilled to close out the year on a high note with feedback like this!

A huge thank you to our lovely customer for such a glowing testimonial. It means the world to our team when our commitment to going the extra mile is recognised.

"Can't thank Alison and her team enough, excellent communication and bent over backwards to help my remortgage. Having been in business myself for forty years, it's rare to find people who go the extra mile to make things happen, highly recommended."

Alison and the entire team at Property Links Home pride ourselves on providing that excellent communication and dedication needed to make complex financial processes, like remortgaging, as smooth as possible for you. Going the extra mile isn't just a saying here—it's how we ensure your property goals are met!

29/12/2025

Your Next Chapter is Our Best Chapter! 🎄
The year is winding down, and we’re taking a moment to celebrate the incredible milestones our clients achieved. From securing dream mortgages to maximizing rental yields, we love seeing our clients thrive!

We specialize in making the complex feel effortless. This year alone, we helped 42 clients secure an early remortgage approval and placed 89 quality tenants within 14 days of listing.

What's Your Goal for the New Year?

Sell a property?

Find the best mortgage rate?

Stop managing tenants yourself?

✨ Let Our Team Be Your Resolution

Don't just set goals—partner with a team that has a 40-year reputation for going the extra mile (just check our recent testimonials!).

25/12/2025

Merry Christmas from the team at Property Link Homes! 🎄✨

Whether you’re spending the day by the fireplace or hosting loved ones in your kitchen, we hope your home is filled with joy, laughter, and warmth today. Thank you for letting us be a part of your journey this year. 🏡❤️

23/12/2025

If your current fixed-rate mortgage ends in the next 6-9 months, you need to act now. Many homeowners delay, only to face the stress of high standard variable rates (SVRs) and scramble to secure a new deal.

Why Act Early?

Avoid the SVR Trap: SVRs are often much higher than fixed rates. We secure your new deal up to 6 months in advance.

Lock in Today's Rate: Get a decision and lock in a favorable rate now, just in case interest rates rise before your current deal expires.

Peace of Mind: End the year knowing your biggest financial commitment is secured.

✨ Let Us Do the Heavy Lifting

Our trusted advisors specialise in market comparisons and future-proofing your finances, ensuring you never overpay.

22/12/2025

Buying a House with a Partner? DOUBLE Your Deposit Bonus! 🤝
If you and your partner are both first-time buyers, you can get £2,000 FREE money per year toward your deposit—not just £1,000!

The secret is the Lifetime ISA (LISA).

Fact: Each eligible person (aged 18-39) can open a LISA.

Fact: Each LISA earns a 25% government bonus on up to £4,000 saved annually (a £1,000 bonus each).

Result: Two partners saving the maximum means a combined £8,000 contribution and £2,000 in annual bonuses from the government!

This is the fastest, safest way to hit that deposit goal. Stop saving into standard accounts and start leveraging this powerful scheme.

💡 Expert Tip

You must both use your LISA funds towards the purchase of a property worth up to £450,000, and the account must be open for at least 12 months. Start the clock TODAY!

19/12/2025

Feeling overwhelmed trying to figure out the cash needed for your first home? You’re not alone!

We’re cutting through the noise to answer the biggest question: "How much money do I actually need upfront?”

It's more than just the deposit! We cover solicitor fees, stamp duty, valuation costs, and everything in between.

Stop guessing and start budgeting! Tap to watch the full breakdown and get financially ready for your move. 🏠