Si The Mortgage Guy

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Si The Mortgage Guy Mortgage Broker with Firco Mortgages - Making a complex process easy to understand.

Si The Mortgage Guy - Specialist in helping First Time Buyers, Shared Ownership, Help to Buy, Remortgages, Life Insurance and Business Private Medical Insurance. Firco Mortgages is a independent mortgage and protection advisor based in Bishops Stortford, helping first time buyers, remortagaging, protection cover.

31/10/2026

Missed Klarna Payments on Maternity Leave? Here’s What to Do

We talk about how missing three Klarna payments while on maternity leave can affect your mortgage chances, and explain that context matters—lenders may overlook small missed payments during reduced income if you’re now up to date. I offer a free three-minute credit check to help you see what’s showing before applying.

Klarna MaternityLeave CreditScore MortgageAdvice BuyNowPayLater FinancialRecovery CreditCheck

30/10/2026

Staying in Your Home After Divorce at 61: Later Life Lending Options

We talk about how, at sixty-one and going through a divorce, you can stay in your home even if a standard mortgage won’t work on your income alone. I explain that later life lending, designed for those over fifty-five, offers options like interest-only or no-payment mortgages, but each has trade-offs for your inheritance. I invite you to comment ‘equity’ for a free three-minute check to see if staying is realistic.

Over55Mortgage FinancialAdvice

29/10/2026

Navigating Mortgage Renewal at 63: Options Beyond Age 70

We talk about the challenge of renewing a mortgage at age 63 with $40,000 remaining, when the lender refuses to extend past age We explain that not all lenders have the same rules, and some will lend into retirement if pension income is sufficient. We also mention later life mortgages with no fixed end date, and offer a free three-minute check for viewers who comment ‘equity’.

29/10/2026

Buying a House with Your Best Mate: The Awkward Conversation You Need to Have

We talk about how buying a house with your best friend can work, but you need to have the awkward conversation first. We cover what happens if one of you wants to move out, if one puts in a bigger deposit, or if someone loses their job. We emphasize getting a declaration of trust written down with a solicitor before you buy.

28/10/2026

Should You Leave Your Partner Off the Mortgage?

We discuss whether to leave a partner with a poor credit history off a mortgage application. We explain that applying solo means the lender only considers your income, potentially reducing how much you can borrow. We also note that if your partner lives in the property, they may need to sign a form waiving their rights, and some lenders might still consider both of you despite the default. We advise not to decide until you compare both options, and we offer a free credit checker to help.

UKMortgage CreditHistory

28/10/2026

Helping Your Dad Live Comfortably at 74: Equity Release Options Explained

We talk about the tough conversation many adult children face when their elderly parent, like a 74-year-old dad, is living frugally despite owning a valuable home. We explore how equity release could help him stay in his house while improving his quality of life, and we emphasize the importance of involving the whole family in the decision due to its impact on inheritance. I also offer a gentle three-minute checklist to help you and your dad assess his options together.

HomeEquity FinancialWellness RetirementPlanning CareForParents MoneyTalk

28/10/2026

Why Your Work Death in Service Cover Might Not Be Enough

We talk about the hidden catch with death in service cover at work—it’s usually tied to your job, not you. If you change jobs, get made redundant, or go self-employed, that cover can vanish on your last day, leaving your mortgage and family unprotected. That’s why we suggest keeping a personal policy alongside your work cover, so your protection stays with you no matter what happens at work. We also encourage you to check what you’ve actually got before relying on it, and if you comment ‘protect,’ we’ll send you our free family protection checkup guide.

ProtectionGap SelfEmployed Redundancy

27/10/2026

How to Stop Money Slipping Through the Gaps as a Couple

We talk about how couples earning a combined income often lose track of their spending, and we share a simple 90-day plan to fix it: one shared account for bills, a fixed personal allowance, and automatic savings on payday. We also offer a free audit for those who comment ‘audit’.

27/10/2026

How Overtime Affects Your Mortgage as a Nurse

We talk about how nurses’ overtime and bank shift income is often overlooked by mortgage lenders, and how choosing the right lender can make a big difference in what you can borrow.

27/10/2026

Bridging Loan for Your Dream Bungalow: A Short-Term Solution

We talk about using a bridging loan to buy your ideal bungalow before your family home sells, covering the need for a realistic house price and a backup plan if the sale takes longer.

Address

3 Sun Court
Saffron Walden
CB101SY

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 2pm
Sunday 9am - 2pm

Telephone

+447546213491

Website

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