My Family Mortgages

23/04/2026

Out and about today in Sunny Shanklin.

It's been a while since I've sat in someone else's kitchen and completed a mortgage appointment.

Not a bad spot, though. 🤣🤣🤣🤣

Did you know that recieves more sunshine on average than anywhere else in the UK.

27/01/2026

Today's productivity shall be sponsored by 'Millenial Emo Music' and coffee (lots of coffee). 🤘🏻 ☕️

Thanks Spotify - there's some bangers on here. Although, not sure I'd call myself an emo? 🖤🖤

https://open.spotify.com/playlist/37i9dQZF1EIgAFoXBmMnQd?si=h1mwDG5wTqSjEQWhzZm6IQ&pi=7dZrY0cbTbabe

Playlist · Spotify · 50 items

26/01/2026

The start of a new year often brings fresh opportunities—especially in the property market. If you’re considering buying a home or remortgaging in 2026, January and February could be the perfect time to act. These months offer unique advantages, from increased market activity to potential savings on mortgage rates. In this guide, we’ll explore why early-year timing matters and how you can prepare for success.

https://www.myfamilymortgages.co.uk/2026/01/26/why-january-and-february-are-the-best-months-to-start-your-mortgage-journey/

22/01/2026

Directors are business owners within a Company structure and typically take a basic salary and draw a dividend from profits.

For tax reasons, when you are a Director you are technically classed as employed.

However, from a mortgage perspective lenders will usually treat you as self-employed. The percentage of shareholding in the firm that you own would normally need to be 25% or above to meet the self-employed criteria, though some lenders have a lower threshold.

This seems to be a niche in the market we get a lot of enquiries on - so maybe reach out to us to find out your options.

https://www.myfamilymortgages.co.uk/directors/

21/01/2026

𝗪𝗵𝘆 𝗖𝗵𝗼𝗼𝘀𝗲 𝗠𝘆 𝗙𝗮𝗺𝗶𝗹𝘆 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀??

😊 Friendly and down to earth.
You’ll always speak to real people who take the time to understand you and your story.

⭐️ 5‑star rated Google reviews.
Buyers trust us because we make mortgages simple, not stressful.

😎Specialists in first‑time buyers & complex cases.
Whether you’re self‑employed, have credit blips, or just don’t know where to start — we’ve got you.

💎 Local Isle of Wight expertise
We know the area, the lenders, and the challenges island buyers face.

🇬🇧 National Coverage
With experience across the UK, there are few who have the National scope that we do.

19/01/2026

Mind - hitting the nail on the head. 🙌

👏

15/01/2026

It seems that Adverse Credit is becoming more and more common.

However, it doesn't always mean that it's terminal for your mortgage application. 💪

Luckily, we have a choice of lenders who we work with and options to look at so we can help a wide range of clients.

A few examples of credit concerns could be:

👍🏻ACTIVE Debt Management Plan
👍🏻CCJ or Default
👍🏻Prior Reposession
👍🏻or occassional missed payments here and there

You may actually have options available to you.

Get in touch and we can discuss any potential credit concerns you may have to put a plan in place. 😊

Bad Credit Mortgage (or Adverse Mortgage) applications take a bit more time, but we're here to help you. Contact us today for a review.

14/01/2026

𝗧𝗵𝗲 𝗕𝗶𝗴 𝗧𝗵𝗮𝘄: 𝗪𝗵𝘆 𝘁𝗵𝗲 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗠𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝗛𝗲𝗮𝘁𝗶𝗻𝗴 𝗨𝗽 🔥

The decorations are packed away, and the leftovers are gone. Looking out the window, it’s still pretty frosty... but don't let the weather fool you. ❄️

It’s easy to assume the UK property market is in a deep freeze, waiting for spring. In reality? The January thaw has already begun. 📉➡️📈

While many wait for the daffodils to appear, savvy movers know January is the "engine room" of the year. Here’s why you shouldn't wait to break the ice:

🏠 𝟭. 𝗧𝗵𝗲 "𝗡𝗲𝘄 𝗬𝗲𝗮𝗿, 𝗡𝗲𝘄 𝗛𝗼𝗺𝗲" 𝗠𝗶𝗻𝗱𝘀𝗲𝘁
After being cooped up over Christmas, many realized their current home is too small or just not right. Property portal traffic (Rightmove/Zoopla) skyrockets from Boxing Day onwards. The demand is already here!

🧤 𝟮. 𝗦𝗲𝗿𝗶𝗼𝘂𝘀 𝗕𝘂𝘆𝗲𝗿𝘀 𝗢𝗻𝗹𝘆
Nobody trudges through the sleet for a viewing unless they mean business. Winter buyers are usually motivated, financed, and ready to move fast.

🌊 𝟯. 𝗕𝗲𝗮𝘁 𝘁𝗵𝗲 𝗦𝗽𝗿𝗶𝗻𝗴 𝗙𝗹𝗼𝗼𝗱
In March, the market gets crowded. By acting now, your home stands out. You get the full attention of buyers before the "Spring Surge" creates more competition.

Don't Get Left in the Cold ❄️ The momentum is building. If you wait until the garden looks rosy, you might be chasing the market rather than leading it.

Let’s shake off the winter blues! ☕️ If you want to know what your mortgage options look like in 2026, drop us a message today.

05/01/2026

This one is felt far and wide...😂🫣😂

01/01/2026

𝗜𝘀 "𝗠𝗼𝘃𝗲 𝗛𝗼𝘂𝘀𝗲" 𝗼𝗻 𝘆𝗼𝘂𝗿 𝟮𝟬𝟮𝟲 𝗥𝗲𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗹𝗶𝘀𝘁? 📝

If you're looking to take the leap this year, I can help you make it happen.

We all know 2025 was a bit of a strange year for property with a lot of inconsistencies, but the outlook for 2026 is already feeling much more positive. ☀️

I'm currently booking appointments for:
🏡 Moving Home
😊 Remortgaging
😌 Debt Consolidating
💰 Property Investment

My diary is open from 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟮𝘁𝗵, but slots are booking up quickly!

👇 Want to chat? Drop a comment or check the link in the comments & bio to my booking system.

#2026