The Mortgage Experts

The Mortgage Experts Offering specialist, independent mortgage advice, without the confusion.

So you can make smart, informed decisions about your next move.

𝗧𝗵𝗶𝘀 𝗶𝘀𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝗶𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲 𝗺𝗼𝘃𝗶𝗻𝗴 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 ✨

03/06/2026

If you run your own business, one of the biggest mistakes you can make is assuming all mortgage applications are treated the same.

They’re not 🫣

The way your income is structured can have a big impact on how your application is assessed, which is why understanding the difference early on can make such a big difference. It’s not about one setup being better than the other, instead it’s about knowing how your income can be presented in the strongest way.

For business owners, that’s often where tailored advice becomes really important. The right guidance can help you understand what lenders are likely to look at, what documents you’ll need, and how to avoid underselling your borrowing potential.

So if you’re self-employed and not sure how your business structure could affect a mortgage application, getting clarity early can save a lot of confusion later on and we can help with that 👇🏼

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

02/06/2026

If you run your own business, it’s really easy to just assume a mortgage application will come with a lot of extra hoops to jump through 🫣

But not having an accountant doesn’t automatically need to be one of them.

What matters most is whether your income has been properly declared and whether you can evidence it clearly when the time comes, and that’s usually what helps a mortgage application feel stronger.

That said, if you’re a sole trader or business owner, good accounting support can still be really useful behind the scenes. It can help you stay organised, understand your figures properly, and make sure you’re in the best position possible before you apply.

So, if you’ve been putting off asking the question because your setup feels a bit less straightforward, this is your reminder that getting a mortgage might be more possible than you think 🤞🏼

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

27/05/2026

A lot has changed over the years when it comes to mortgages after bankruptcy, which means old advice and outdated information doesn't always reflect what’s possible today 👀

People were once told that bankruptcy meant the door was firmly shut, the reality is that there are lenders who understand that past financial difficulties can happen, and who are willing to look at the wider picture rather than just one event in isolation.

What usually matters now is things like how your credit profile has recovered since, how much deposit you’ve got, and how strong the rest of your application looks. So while bankruptcy can still affect your options, it doesn’t automatically mean homeownership is out of reach.

If bankruptcy is part of your history, the most helpful thing you can do is get up-to-date advice based on today’s market 👇🏼

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

If buying your first home feels overwhelming right now, you’re not alone. 🏠Between house prices, mortgage rates, deposit...
26/05/2026

If buying your first home feels overwhelming right now, you’re not alone. 🏠

Between house prices, mortgage rates, deposits, and stamp duty, it can feel like there’s too much to figure out before you even start.

But here’s the truth: most people who buy their first home didn’t have it all figured out at the beginning. They just started.

Swipe through for the essentials, what you actually need to know, in the order you need to know it. 👉

Head to the link in our bio for more.

If you’re a first-time buyer and you're sat there worrying about your credit report, it’s really easy to assume the wors...
26/05/2026

If you’re a first-time buyer and you're sat there worrying about your credit report, it’s really easy to assume the worst before you’ve even explored your options properly.

What's important is understanding what’s actually showing on your report, how recent it is, and how lenders are likely to view it when you make your application. In some cases, something you’re worried about might have less impact than you think, and it might just mean taking a more tailored route.

That’s why it’s so important to get the right advice so you can understand where you're at, what might be possible now, and what steps could improve your position if you’re not quite ready yet.

If bad credit has been making you feel like your first home is out of reach, this is your reminder that things aren’t always as black and white as they seem.

Looking for some 1-2-1, tailored advice? 👇🏼

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

Saving for your first home can feel like a big task, so anything that can help you boost your deposit is always a bonus!...
21/05/2026

Saving for your first home can feel like a big task, so anything that can help you boost your deposit is always a bonus! 💸

A Lifetime ISA is designed to help first-time buyers save towards their first home, with the government adding a 25% bonus on top of what you put in. That means if you save up to £4,000 in a tax year, you could get up to £1,000 extra added to your account.

There are a few guidelines to keep in mind though:

✔️ You need to be aged 18 to 39 to open one
✔️ The account needs to have been open for at least 12 months before you use it for a home purchase
✔️ You must be a first-time buyer
✔️ The property costs £450,000 or less

So, if you’re building your deposit and trying to make your money go a bit further, a Lifetime ISA could be a really helpful option to look into 🩵

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

20/05/2026

Payday loans can make getting a mortgage more complicated, but they don’t always mean an automatic no 👀

For a lot of lenders, payday loans can signal that finances have been under pressure, which is why the timing and context matter so much. With that being said, be prepared to discuss how recent the loan was, how often they were used and what the rest of your credit report looks like.

If you have had a payday loan, rather than applying blindly and hoping for the best, it helps to understand which lenders might be more open to your circumstances and what steps could strengthen your application first.

A few common questions we hear are 👇🏼

💬 Will payday loans go against me on a mortgage application?
It can depend on the lender and the rest of your circumstances, but payday loans can raise concerns on an application.

💬 Will one payday loan automatically mean I’ll be declined?
Not always. Some lenders will take a stricter view than others, so it often comes down to the full picture.

💬 Could payday loan history make it harder for my application to be accepted?
It might do, especially if the borrowing was recent or used more than once, but it doesn’t always mean your options are gone.

If you’ve used payday loans before and you’re unsure where that leaves you, it’s worth getting tailored advice.

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

19/05/2026

Being in a debt management plan doesn’t automatically mean buying a home is entirely off the cards 😅

What often matters is the bigger picture, how long ago the plan was, how well it’s been maintained, what your credit looks like now, and how much deposit you’ve got available.

That’s why these situations are rarely as black and white as people think, and there might still be options out there, especially with lenders who understand more complex credit histories.

So, if you’ve been in a debt management plan and assumed getting a mortgage was out of reach, it’s always worth getting proper advice before ruling yourself out 👀

💬 | Send us a message
☎️ | 0333 188 3480
📧 | [email protected]

The buy-to-let mortgage market is more complex than most people realise, and the same mistakes keep coming up. 🤔Whether ...
15/05/2026

The buy-to-let mortgage market is more complex than most people realise, and the same mistakes keep coming up. 🤔

Whether you’re a first-time landlord or have an existing portfolio, getting any of these wrong can cost you thousands or cause serious problems down the line.

Swipe through to see the 5 most common BTL mortgage mistakes, and exactly how to avoid them.

Save this post. Share it with any landlord you know who’s got a remortgage or new purchase coming up.

If you’re thinking about property investment, you’ll hear the word ‘yield’ a lot. But what does it actually mean, and ho...
14/05/2026

If you’re thinking about property investment, you’ll hear the word ‘yield’ a lot. But what does it actually mean, and how do you know if a property is worth buying? 📊

Here’s the plain-English version:

📐 GROSS YIELD
The annual rent as a percentage of the purchase price.
Example: £15,000 rent ÷ £200,000 purchase price = 7.5% gross yield

📐 NET YIELD
Gross yield minus your costs (mortgage, insurance, maintenance, letting fees, voids).
A property with a 7.5% gross yield might return 4.5–5% net once costs are deducted.

💡 What’s a good yield?
→ In most UK cities: 5–7% gross is considered solid
→ London: typically lower (3–4%) due to high purchase prices
→ Northern cities: often 7–8%+ gross, with stronger net returns
→ Location, property type, and management costs all affect the final number

Knowing the difference between gross and net yield is one of the most important things any landlord or investor can understand before committing to a purchase.

Save this one for reference. 📋

Address

3 Regent Street
Rugby
CV212PE

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 5pm
Sunday 10am - 4pm

Telephone

+443331883480

Website

Alerts

Be the first to know and let us send you an email when The Mortgage Experts posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Mortgage Experts:

Shortcuts

Share

Category