Matthew Braithwait Cert CII MP - Mortgage Adviser at Harvest Associates Ltd

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Matthew Braithwait Cert CII MP - Mortgage Adviser at Harvest Associates Ltd Mortgage and Protection adviser https://www.vouchedfor.co.uk/mortgage-advisor/chesterfield/033852-matthew-braithwait
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21/10/2026

🏡 Mortgage mayhem… what does it all mean?!

Off the back of Martin Lewis’s Mortgage Mayhem special last night (if you watched it!), I thought it was worth a quick post.

If you have a mortgage, particularly if your fixed rate is due to expire in the next 6 months, you might be starting to worry about what your future payments could look like and what options are available to you.

🤔 Shall I fix again?
🤔 2 years, 3 years or 5 years?
🤔 Would a tracker rate be better?

What does it all mean?!

If you watched the programme last night, you might have come away with even more questions than you started with!

With inflation rising and uncertainty around what might happen to interest rates, it’s understandable that people are feeling a little unsure about what to do next.

If this sounds like you, it could be worth having a chat with an independent, whole-of-market mortgage adviser (hello! 👋) to find out what options are available for your circumstances.

A chat costs nothing, and there’s no obligation. It’s simply an opportunity to understand your options and decide what’s right for you.

If you already have a mortgage adviser, great — get in touch with them. If you don’t, I’m always happy to help!

📩 I’m currently contacting my existing clients whose mortgage deals are coming to an end over the next few months, so if you haven’t heard from me yet, you will soon.

And if you’re not an existing client but would like to talk things through, feel free to get in touch.

📞 07990 647326
📧 [email protected]

"I'll need 20% saved before anyone will even look at me."This is the one that stops more first time buyers than anything...
04/09/2026

"I'll need 20% saved before anyone will even look at me."

This is the one that stops more first time buyers than anything else, so let's clear it up.

The 20% deposit idea is a leftover from years ago. For most first time buyers today it looks very different:

• Plenty of lenders work with a 5% deposit, and some schemes go lower still. • A family member can gift you the deposit if they're in a position to help. • What you can borrow usually comes down to your income and how you manage money, not one giant number sitting in your savings.

I'll be straight with you: the smaller the deposit, the more the rest of your situation has to stack up, and it won't be right for everyone. But "20% or nothing" puts far too many good buyers off before they've even asked the question.

If you're in Doncaster or round about and you've written off buying because of the deposit, it may be a lot closer than you've been told. Comment or message the page MORTGAGE and I'll tell you honestly where you stand. The first chat's free.

Matt

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

I've recently helped a client who was extremely worried they'd have to sell their home that they'd spent time and money ...
31/08/2026

I've recently helped a client who was extremely worried they'd have to sell their home that they'd spent time and money making their own and making memories in. They were on an interest only mortgage with five years left to run and no plan in place for repaying the capital at the end. The clock was ticking, and selling the home felt like the only way out, but it wasn't! 🏡

We've remortgaged the property onto a standard repayment mortgage, so now they're paying down what they owe rather than just covering the interest. We stretched the term out a bit to bring the monthly payments down, and the worry about having to sell has gone.

I'll be upfront: a longer term means paying for longer, and it won't be the right answer for everyone. But for this client, keeping their home beat the alternative hands down.

If you're on interest only and quietly dreading what happens when it ends, don't sit on it. The sooner we look, the more options you'll have. Comment or message the page MORTGAGE and I'll tell you honestly where you stand. The chat's free.

Matt

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

Right, Ask Me Anything time 🙋Buying your first home is full of stuff nobody explains properly.So, whatever you've been w...
28/08/2026

Right, Ask Me Anything time 🙋

Buying your first home is full of stuff nobody explains properly.

So, whatever you've been wondering about and never asked, deposits, credit, schemes, whether you'd even get accepted, what the process actually looks like, drop it in the comments today and I'll get back to everyone as soon as I can!

No such thing as a daft question... Ask away 👇 Matt

"We're self-employed, so no one will lend to us, or it'll just be too difficult." 🏡This phrase is common, unfortunately,...
26/08/2026

"We're self-employed, so no one will lend to us, or it'll just be too difficult." 🏡

This phrase is common, unfortunately, and it stops a lot of good people from even asking the question!

If you're self-employed, sole trader, limited company director, freelancer, contractor, you can absolutely get a mortgage. There are solutions designed specifically for people in your position. – Some lenders will consider you with just 12 months of accounts, others want 2 years – Some go off your net profit, some off salary plus dividends, some off your day rate – Which is exactly why one rejection from one lender tells you nothing about the wider market 🏡

Yes, it's a bit more paperwork, tax documents (SA302s), accountant references, business bank statements. But "a bit more paperwork" and "impossible" are not the same thing.

If you're self-employed and you've been assuming you'll have to wait YEARS before buying, please don't. You probably already qualify for something. DM me SELF-EMPLOYED and I'll take a proper look. Matt

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

No two weeks in this job look the same.A few of the things I've sorted for people recently:Moved a client off an interes...
24/08/2026

No two weeks in this job look the same.

A few of the things I've sorted for people recently:

Moved a client off an interest only mortgage onto a standard repayment one, so they're chipping away at what they owe instead of standing still.
Remortgaged someone and borrowed a bit extra on top, so they could clear their Help to Buy equity loan in one go.

Got a first time buyer accepted on a £5,000 deposit mortgage. 🔑

Different situations, same theme running through them: options people didn't realise they had.

If any of these sound like where you're at, whether you're stuck on interest only, trying to work out what to do about a Help to Buy loan, or a first timer with a small deposit, drop a comment or message the page MORTGAGE and I'll tell you honestly where you stand. The chat's free.

Matt

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

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Rotherham

Telephone

+447990647326

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