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The Mortgage Stop

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United Kingdom
Romsey
The Mortgage Stop

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Whole-of-market advice for first-time buyers, remortgages, buy-to-let & commercial, later-life lending & protection.

End-to-end support from enquiry to completion.

02/11/2026

As a first-time buyer, you may be focusing on getting your deposit saved up, and you're right to do so but there is more to the story! Today we're breaking down why the deposit isn't the only thing that matters 🔎

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

01/11/2026

A mark on your credit file doesn't mean the mortgage door is shut. 🔑

Lenders look at your whole situation, not just one issue from the past.

Here's what helps us get your case moving:

A bit of history on what happened and when it happened. 🔎

A copy of your credit report, so we can see the full picture early on. 💳

Proof that any debts have been paid off, if that applies to you. 💷

Your recent income and bank statements, so we know where things stand today.

There could be a lender out there who's a good match for your circumstances.

Speak to us and let's find out. ☎️

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

29/10/2026

If your fixed rate is due to end in a few months, it's never too soon to make a move! 💪🏼

We'll do the research and admin for you so you just ask "where do I sign?"

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

28/10/2026

First-time buyers, there's some exciting news from the Autumn Budget!

Remember the Your First Home Scheme we mentioned a few weeks back?

Well, it's now been officially confirmed! ✅

This new government scheme is being introduced to help first-time buyers purchase a new-build home with a much smaller deposit.

🏡 You could buy with just a 2.5% deposit, alongside a government equity loan worth 20% of the property's value, with no interest charged for the first 5 years.

So, when can you apply?

📆 Applications are expected to open in February 2027, although this date hasn't been fully confirmed yet.

Before that, pre-registration will open before the end of 2026.

You won't be committing to a purchase by registering. Instead, you'll receive more details about eligibility and the maximum property prices in your area.

More information is available here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

💷 There's also an update on savings for first-time buyers!

A new First Time Buyer ISA is being planned to offer a simpler way of saving towards a deposit.

It's intended to replace the Lifetime ISA for people opening a new account, but existing Lifetime ISA savers will be able to carry on using theirs.

We don't have a confirmed launch date for the new ISA just yet.

With these announcements, there's plenty for future homeowners to look forward to! 🤩

Thinking about buying your first home? We can help you explore your mortgage options and understand what these changes could mean for you.

📩 Drop us a message to have a chat!

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

27/10/2026

Wondering what you need to earn to buy a £200,000 home? 🏡

With a 5% deposit of £10,000, you’d need to borrow £190,000. As a rough guide, that could mean earning around £43,000 a year before tax.

Your age, regular spending and family commitments can all affect how much you could borrow.

Get in touch and let’s work out what could be possible for you.

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

26/10/2026

Not every lender looks at your application in the same way. 🤔

Something one lender turns down could easily get approved by another.

That's because each lender has its own criteria. Income, credit history, job type, and even the kind of property you're buying all get weighed up differently. 🔎

So a no from one doesn't mean it's a no everywhere else.

Self-employed? A few credit blips in the past? Income that's not straightforward, or a property that's a bit unusual?

None of that rules you out. We've helped plenty of people with tricky situations get a mortgage sorted. 🤩

A lot of it comes down to knowing which lenders are worth approaching, and in what order.

If you've written off getting a mortgage, speak to us first. 💬

You might be surprised what's possible.

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

25/10/2026

Your mortgage renewal date shouldn't be left lurking in the shadows. 👻

Let it slip past, and you could land on your lender's SVR (their standard variable rate). That's the rate you fall onto automatically, and it's usually much higher than what you're paying now. It could mean handing over hundreds more each month.

Spooky stuff. 🕸️

But here's your treat. We can start hunting for new deals up to 6 months before your renewal date, so your finances never get caught out trick-or-treating.

And if rates drop after we've secured you a deal, we could still switch you to a lower one before everything completes.

Speak to us before your renewal date creeps up on you. 🎃

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

22/10/2026

If you're self-employed with less than 2 years of accounts, we've got some good news for you! 🤩

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

20/10/2026

If your fixed rate expires in the next few months, this one's for you!

Here are our top 3 signs that you should remortgage sooner than you think. 🔎

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

19/10/2026

Most new buyers put all their energy into the mortgage, the deposit and the monthly numbers. 🏠

Protection sometimes gets left off the list. 🤫

Here's the thing, your mortgage doesn't care if you're off work ill or unable to earn. It still needs paying.

If your household relies on two incomes, losing either one could make things tight fast.

Protection doesn't just stop at life cover either. It can include income protection if you can't work, or critical illness cover if you're diagnosed with a serious illness. 🛡️

You may decide on one type of protection or decide to cover all your bases by combining income protection, critical illness cover and life insurance.

We'll talk through the benefits of each to help you decide which suits your needs (and budget)!

Getting the keys to your first place is a good moment to check your cover actually matches your new situation. 🔑

Want to talk it through? Speak to us, no pressure, just a proper look at what fits you. 💬

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it

Source: https://theintermediary.co.uk/2026/09/more-than-a-third-of-ftbs-do-not-recall-receiving-protection-advice-data-finds/

Address

Romsey

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441794379379

Website

https://themortgagestop.co.uk/

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