Donna Plumb- Mortgage Adviser

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Donna Plumb- Mortgage Adviser

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My customers are my priority and buying a house can be stressful. Let me be there to help you through the process from start to finish.

Whether it is your first property, you are looking for a better deal or adding to your property portfolio I can help.

02/11/2026

Hello November! 🍁

The clocks have gone back, the evenings are dark and the fireworks are on their way. It's also a really good time to check in on your mortgage before the busy run up to Christmas.

If your fixed rate ends before spring, if you're hoping to buy in the new year, or if your protection hasn't been looked at in years, a quick chat now can save a lot of stress later.

📩 Whatever stage you're at, get in touch. No pressure, just a conversation.

01/11/2026

A review that sums up why people use a broker.

"Even though I was confident in agreeing to the right product, it is peace of mind, knowing that it is being handled by a professional. Getting the best deal for your own circumstances, making sure you have the right protection. Plus the saved time and reduction in stress is worth the service."

J.G. ⭐⭐⭐⭐⭐

Peace of mind, the right product and the right protection. That's the job.

📩 Ready to start your own journey? Message me.

31/10/2026

Happy Halloween everyone! 🎃👻

Hope you’re all having a spooktacular evening! Whether you’re out trick or treating, partying or hiding from the doorbell with a glass of something nice, have a fabulous night!

No tricks, just treats! 🧙‍♀️🎃

31/10/2026

Happy Halloween! 🎃 Here are four mortgage myths that are scarier than the truth.

Myth: "You need a 20% deposit." Plenty of lenders go up to 95% loan-to-value, which means a 5% deposit.

Myth: "You can't get a mortgage if you're self-employed." You can. You'll usually need accounts or tax returns to show your income, but it's far from a closed door.

Myth: "If one lender says no, they all will." Every lender has its own criteria, and what one declines, another may approve.

Myth: "You need a perfect credit history." Lenders vary a lot, and a blip in the past doesn't automatically rule you out.

The real thing to be scared of is giving up before you've asked.

📩 Got a mortgage fear you'd like me to bust? Message me.

29/10/2026

Protection week, day three: critical illness cover.

Critical illness cover pays out a tax-free lump sum if you're diagnosed with a serious illness that's listed in your policy, such as certain cancers, a heart attack or a stroke. It can help with the mortgage, the bills or time off work while you recover.

Take a couple in their 30s, both non-smokers. £50,000 of cover each, over 25 years. Typical quotes come in at around £30 to £40 a month each.

Critical illness cover can be arranged on joint terms, but it's usually recommended that you each have your own separate policy. That way, if one of you claims, the other's cover carries on.

The exact price depends on the options you choose, such as any extras added to the policy.

It's worth knowing that it pays out for the conditions the policy lists, not every illness, so the small print really matters. That's something I'll always go through with you.

Illustrative figures based on typical market quotes. Smokers and health conditions can change the price. Not a quote or an offer.

📩 Want to know what critical illness cover would cost for you, and what it would and wouldn't cover? Message me.

27/10/2026

Protection week, day two: family income benefit.

Most people have heard of life insurance that pays a lump sum. Family income benefit works differently. Instead, it pays a regular monthly income if one of you dies during the term, which can feel a lot more manageable for the person left behind.

Take a couple in their 30s, both non-smokers. £2,000 a month of joint cover, for 18 years, so it runs until the children are grown up.

Typical quotes for that sort of cover come in at around £20 to £25 a month for the two of you.

If the worst happened early on, that's up to £432,000 paid out over the term. The longer the policy has run, the less time is left to pay, so the total reduces as the years go by.

It's often cheaper than a lump sum policy and it's a good fit for families with a mortgage and children. It can also sit alongside other cover.

Illustrative figures based on typical market quotes. Smokers and health conditions can change the price. Not a quote or an offer.

📩 Want to know what this would cost for your family? Message me and I'll look at it with you.

26/10/2026

This week it's protection, with real numbers.

Take a couple in their mid 30s, both non-smokers, buying a home together, no children. £200,000 of life cover each, over 25 years.

Typical quotes for that sort of cover come in at around £15 to £20 a month each.

Most people guess it'll cost a lot more, which is one of the main reasons they put it off. For a lot of couples it's less than they spend on a takeaway.

The price depends on your age, health, whether you smoke, your job and the type of policy, and smokers pay roughly double. The only way to know yours is to get a proper quote.

Illustrative figures based on typical market quotes, not a quote or an offer.

📩 Want to know what your own cover would cost? Message me and I'll look at it with you.

25/10/2026

Always nice to hear this one.

"I managed to find a great advisor called Donna Plumb. Donna is knowledgeable and takes the time to explain the variety of products available. Donna tailors what is required for you and always gives you supportive advice at the time it is needed."

J.S. ⭐⭐⭐⭐⭐

Explaining the options properly, and tailoring them to you, is the most important part of the job.

📩 Ready to start your own journey? Message me.

24/10/2026

The clocks go back tonight, which means an extra hour! 🕐

So what's the plan? An extra lie-in? One more episode of that show you swear you're not bingeing? A second (third) cup of tea?

Whatever you choose, can I suggest spending 5 minutes of it checking when your fixed rate ends? Then the other 55 minutes are all yours, guilt free. 😄

If your deal ends within the next 6 months, now's a good time to look at your options, because many lenders let you secure a new deal that far ahead. Future you will be very grateful.

Can't remember when your deal ends? It's usually on your annual mortgage statement or in your lender's app. Send me a photo and I'll tell you what it means.

📩 Message me and I'll take it from there.

23/10/2026

Numbers week, day five: what overpaying actually does.

You've got £200,000 left on your mortgage, 25 years to go, at an illustrative 5.5%. Your payment is about £1,228 a month.

Overpay by £100 a month and you'd save around £28,000 in interest and clear the mortgage about 3.5 years early.

Overpay by £200 a month and that becomes around £47,800 saved and about 6 years and 3 months off the term.

Small, regular amounts add up because every pound you overpay stops interest being charged on it for the rest of the term.

Before you start, check your lender's overpayment allowance. Many lenders cap it, often at 10% of the balance a year before early repayment charges apply, but it varies from lender to lender and product to product.

Illustrative example only, assuming the rate stays at 5.5% throughout. Not a quote or an offer.

📩 Want to know how much you could overpay without penalty? Message me and I'll look at your deal.

Address

3 Regent Street
Rugby
CV213PE

Telephone

+447717827447

Website

https://themortgageexperts.co.uk/donna-plumb/

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