Donna Plumb- Mortgage Adviser

Donna Plumb- Mortgage Adviser 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.

"My partner has bad credit. Does that mean we can't get a mortgage?"It's one of the questions I get asked most, and the ...
09/06/2026

"My partner has bad credit. Does that mean we can't get a mortgage?"

It's one of the questions I get asked most, and the answer isn't a straight no.

When you apply for a mortgage jointly, both of your credit histories are assessed.

So yes, adverse credit on one application will be taken into account. But it doesn't automatically mean a decline.

It depends on: what the adverse credit is (missed payment, default, CCJ, bankruptcy, all treated differently), how long ago it was, how much it was for, and whether it's been satisfied.

Some lenders specialise in exactly this, buyers who have a less-than-perfect credit history. The rates may be slightly different, but getting onto the ladder isn't necessarily off the table.

What matters is finding the right lender for your specific situation. That's where a broker earns their place.

📩 Tell me what you're working with and I'll give you an honest view of your options.

This made my day. 💙"If you want someone who genuinely cares about your experience, 100% go with Donna."That's the one. G...
07/06/2026

This made my day. 💙

"If you want someone who genuinely cares about your experience, 100% go with Donna."

That's the one. Genuinely cares. That's what I'm going for every single time.

📩 Questions? I'm here.

If your fixed rate deal has ended and you haven't done anything about it, you are now likely sitting on your lender's St...
05/06/2026

If your fixed rate deal has ended and you haven't done anything about it, you are now likely sitting on your lender's Standard Variable Rate.

The average SVR is currently sitting at around 8% (Uswitch, June 2026).

That is significantly higher than almost every fixed rate product available right now. For most people, this means hundreds of pounds a month extra, for no benefit whatsoever.

Your lender won't chase you. They'll just keep charging you the SVR until you do something about it.

The good news: you can remortgage at any time. And if your deal has already ended, there's no early repayment charge to worry about. You can move straight away.

📩 Drop me a message. I'll check the market and tell you exactly what you could be saving.

Had a fantastic time at the MAB Roadshow today! 😊It was great catching up with familiar faces, meeting some amazing new ...
04/06/2026

Had a fantastic time at the MAB Roadshow today! 😊

It was great catching up with familiar faces, meeting some amazing new people, and sharing ideas with so many professionals across the industry. Events like these are a great reminder of why I love what I do.

Proud to be part of such a supportive and inspiring team at The Mortgage Experts! 🧡

One of the most common things people worry about before applying for a mortgage: a bounced direct debit showing on their...
04/06/2026

One of the most common things people worry about before applying for a mortgage: a bounced direct debit showing on their bank statements.

Here's the honest answer.

One or two missed payments, especially if they happened a while ago, were quickly resolved, and there's a clear reason, are unlikely to derail a mortgage application on their own. Lenders look at the full picture, not just one line on a statement.
What matters more is the pattern. If there are missed payments every month, or defaults alongside them, or it's happening right now. That's a different conversation.

But if you've had the odd blip and you're worried it'll stop you buying, don't assume. Ask someone who knows.

📩 Tell me what's on your statements and I'll give you an honest view of where you stand.

You might not need as big a deposit as you think.One of the lenders I work with has just launched a new mortgage scheme ...
02/06/2026

You might not need as big a deposit as you think.

One of the lenders I work with has just launched a new mortgage scheme specifically for first-time buyers. It requires just £5,000 personal deposit to get started.

Here's what it looks like:

✅ Minimum £5,000 personal savings deposit (cannot be gifted, must be your own)
✅ Maximum property price of £300,000
✅ Only one of you needs to be a first-time buyer on a joint application
✅ No minimum income level, available to employed and self-employed buyers
✅ 5-year fixed rate with a £0 product fee option available
✅ Free valuation included

A few things worth knowing: there is a minimum credit score required, and a maximum loan-to-income cap applies. It's not available on new build properties or affordable housing schemes, and the property must be your only residence.
But if you've been sitting on a deposit of £5,000 or more and wondering if it's enough, it could be.

📩 Get in touch and I'll tell you whether this works for your situation.

Hello June ☀️At my desk, inbox open, and ready to go.If you've been putting off a mortgage conversation, this is your si...
01/06/2026

Hello June ☀️

At my desk, inbox open, and ready to go.

If you've been putting off a mortgage conversation, this is your sign. Summer is actually a brilliant time to get moving. Sellers are motivated, viewings are easier to fit around your diary, and there's still plenty of year left to complete.

📩 Drop me a message, let's see what's possible.

Buying with a friend? Yes, it's absolutely a thing — and it works.Both incomes go towards affordability, which often mea...
30/05/2026

Buying with a friend? Yes, it's absolutely a thing — and it works.

Both incomes go towards affordability, which often means you can borrow significantly more than either of you could alone. Both credit histories get assessed, so it's worth knowing where you both stand before you apply.

A couple of things to sort early: you'll want to own as tenants in common (so you each own a defined share) and get a deed of trust drawn up — this sets out what happens if one of you wants to sell or can't pay one month. Have that conversation before you buy, not after.

And when you've both grown out of it? You sell, take your share of the equity, and each use it to buy somewhere of your own. Instead of years of rent disappearing into someone else's pocket, you've both built a deposit for your next chapter.

It's one of the most practical ways to get on the ladder when buying alone feels out of reach.

📩 Message me and I'll walk you through how it works.

Standard life insurance pays a lump sum. And yes — that might clear the mortgage. Great.But what about everything else?T...
28/05/2026

Standard life insurance pays a lump sum. And yes — that might clear the mortgage. Great.

But what about everything else?

The energy bills. The food shop. The childcare. The school clubs. The car insurance. All the things your income was quietly covering every single month — who pays for those now?

That's where family income benefit comes in. Instead of a one-off lump sum, it pays your family a regular monthly income for the rest of the policy term. It replaces what you were bringing home, month after month, so the everyday stuff stays covered.

For families with children, this can be just as important as — sometimes more important than — the mortgage itself.

It's also one of the most affordable types of life insurance available — from less than £5 a month depending on the level of cover and your circumstances.

Most people have never heard of it. Now you have.

📩 Drop me a message if you'd like to know more.

Address

3 Regent Street
Rugby
CV213PE

Telephone

+447717827447

Website

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