Alder Rose Mortgage Services

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Alder Rose Mortgage Services We search over 1,000 products to find the right mortgage. Mortgage calculator available on request.

We provide whole of market mortgage and Insurance advice, whether your looking to move home or save money on your current mortgage or even invest in another property! For an initial consultation call 01928 238 289 send a message via our page.

A lot of people assume that once you hit 60, mortgages are off the table.It’s one of the most common myths we hear, and ...
20/10/2026

A lot of people assume that once you hit 60, mortgages are off the table.
It’s one of the most common myths we hear, and it stops people from doing things they’d love to do.

The truth is that many lenders now look at borrowing well into later life. Some will consider terms that run into your 70s or even 80s, as long as the mortgage is affordable for you.

People in their 60s and beyond are using mortgages to:
🔹 Move to a home that suits them better
🔹 Help their children or grandchildren onto the property ladder
🔹 Pay off an interest-only mortgage that’s coming to an end
🔹 Make improvements so they can stay in the home they love

Age is just one part of the picture. What matters more is your income in retirement and whether the repayments work for you.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Winning the auction is the easy part. Funding it is where things get interesting.The hammer falls. You've secured the pr...
14/10/2026

Winning the auction is the easy part. Funding it is where things get interesting.

The hammer falls. You've secured the property.

Now comes the completion deadline.

Auction purchases often involve tight timescales, and traditional mortgage finance might not fit the timetable.

That's where bridging finance could be worth exploring, provided there's a clear and realistic repayment plan.

Because finding a good property opportunity is one thing. Having the funding ready is another.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Your credit report is a snapshot, not the whole story.Things your credit report doesn't know about you: ✓ You pay your r...
07/10/2026

Your credit report is a snapshot, not the whole story.

Things your credit report doesn't know about you:
✓ You pay your rent on time, every time
✓ You've kept three plants alive
✓ You've never once forgotten a friend's birthday
✓ You're a lot more than a number

It can tell a lender about your accounts and payments, but it can't tell them about the steady job you've had for years, the savings you've built up, or the fact that one rough patch a while ago doesn't reflect who you are today.

Different lenders weigh these things differently, and some take a much closer look at the full picture than others. That's where talking to a broker can make a real difference.

Worried about something on your file?

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying property is 20% finding the deal and 80% chasing solicitors, valuers, lenders, agents and contractors. 😅Anyone in...
01/10/2026

Buying property is 20% finding the deal and 80% chasing solicitors, valuers, lenders, agents and contractors. 😅

Anyone involved in property knows that finding the opportunity is only the beginning.

After that, it’s about keeping everything moving, staying on top of deadlines and making sure the finance is ready when you need it.

Because in property, timing can make all the difference.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Found an auction property you don’t want to lose?Once the hammer falls, you’re committed and the completion deadline may...
21/09/2026

Found an auction property you don’t want to lose?

Once the hammer falls, you’re committed and the completion deadline may arrive before a standard mortgage is ready.

Bridging finance could provide the short-term funding needed to secure the property, complete within the deadline and arrange a longer-term solution afterwards.

The important part? Plan your funding and exit strategy before you bid not after.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Your accountant’s job is to manage your tax position.Your mortgage adviser’s job is to understand how lenders will asses...
16/09/2026

Your accountant’s job is to manage your tax position.

Your mortgage adviser’s job is to understand how lenders will assess your income.

And sometimes, those two goals pull in different directions.

If you’re self-employed or a limited-company director, keeping your salary and dividends low may be perfectly legitimate but it could reduce the income certain lenders use for affordability.

The good news? Not every lender assesses business owners in the same way. Depending on your circumstances, some may consider retained profits, your share of net profit or your latest trading figures.

This doesn’t mean paying more tax just to obtain a mortgage. It means planning early and making sure your accountant and mortgage adviser understand what you’re trying to achieve.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying with cash can help an investor move quickly but it can also leave a significant amount of money tied up in one pr...
11/09/2026

Buying with cash can help an investor move quickly but it can also leave a significant amount of money tied up in one property.

Capital raising may allow you to refinance the property and release some of that equity.
The money could potentially be used to:
🏠 Fund another property purchase
🔨 Pay for refurbishment or development work
💷 Repay funds used for the original purchase
📊 Restructure existing property borrowing
🚀 Invest in the next opportunity

The amount available will depend on the property’s current value, rental income, your circumstances, the proposed use of the funds and the lender’s criteria.

Some lenders also have specific rules around how long you must have owned the property, so choosing the right lender and applying at the right time matters.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Your credit card might not be applying for the mortgage but the lender will still want to know all about it.When assessi...
09/09/2026

Your credit card might not be applying for the mortgage but the lender will still want to know all about it.

When assessing affordability, lenders may consider:
• Your outstanding credit-card balances
• Your monthly repayments
• How much of your available credit you’re using
• Any other loans or regular financial commitments

This doesn’t automatically mean your application will be declined. But the amount you owe and your monthly commitments could affect how much a lender is prepared to offer.

Before applying, it can be helpful to review your balances, avoid taking on unnecessary new credit and understand how your existing commitments may appear to a lender.

Because your credit card may be staying at home but financially, it’s coming to the appointment.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Finding the right property is one thing.Being able to complete in time is another.In some cases, the deal itself makes s...
27/08/2026

Finding the right property is one thing.

Being able to complete in time is another.

In some cases, the deal itself makes sense but a standard mortgage timeline doesn’t.

When speed matters, the type of finance you use can make a big difference.

If you’re buying at auction, working to a tight completion deadline, or looking at a property that needs a quicker solution, it’s worth understanding your options early.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Recently changed jobs? Your property plans may not need to wait.Starting a new role doesn’t automatically mean putting y...
24/08/2026

Recently changed jobs? Your property plans may not need to wait.

Starting a new role doesn’t automatically mean putting your mortgage or property plans on hold.

Different lenders take different approaches to recent employment. Depending on your circumstances, they may consider factors such as:
- how long you’ve been in your new role
- your employment contract
- whether you’re permanent, temporary or on probation
- your previous employment history
- your overall income and affordability

So, if you’ve recently changed jobs, don’t assume you need to wait six months before exploring your options.

The right lender and the right approach can make all the difference.

Alder Rose Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA 923776).
Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Alder Rose Mortgage Services
Runcorn
WA73EH

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 2am

Telephone

+441928238289

Website

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