Martin Hughes at McKenzie Financial Services Ltd

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Martin Hughes at McKenzie Financial Services Ltd

Independent mortgage and protection broker. I advise on all aspects of residential and buy to let mortgages

07/09/2026

Moving house even if you're still in your fixed-rate mortgage deal? There may be a way to take your rate with you when you move. 🏡

This is called porting, short for 'transporting' your mortgage!

I'll look at whether you can 'port' your existing mortgage to your new home.

If your new property is more expensive, we can discuss additional borrowing. If your circumstances have changed, like a salary increase, your affordability could be assessed again.

This option may not be available to everybody but it's always worth a conversation!

Let's chat about your options. 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

06/09/2026

You don't always need a 20% deposit for a home! 🤔

A common misconception is that a big deposit is the only route to getting a mortgage. Around 40% of people still believe this to be true.

But that's just not the case!

We're seeing more low-deposit mortgage products enter the market every week.

Some require as little as 5%, 2%, or even 0% deposit. And these aren't just for first-time buyers either! 🙌

There are specific criteria, but I understand what lenders look for.

I know how to structure your application for a higher chance of approval. I handle the admin so you don't have to.

Let's chat about your options. 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Source: https://theintermediary.co.uk/2026/08/58-of-ftbs-rule-themselves-out-of-mortgages-before-applying-lloyds-finds/

05/09/2026

Getting an Agreement in Principle before you start viewing can make all the difference.🏡

I take the guesswork out of it.

I'll help you understand your borrowing power with an Agreement in Principle, explore low deposit options (yes, even 2% or 0% deposit mortgages are available!), and make sure you’ve factored in all the other costs like legal fees and surveys.

I do the sums so you can focus on finding that special place.

Let's chat about your options. 📱

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

04/09/2026

Don't let the news fool you into thinking that your daily sweet treat or takeaway coffee is the reason you can't buy a home! 🏡

It’s easy to think you need a huge deposit to get onto the property ladder. But that's not always true.

Many worry about 10-20% deposits. But some lenders offer mortgages with just 5%, 2%, or even 0% deposit (subject to criteria). 💪

A mortgage broker like me can show you more affordable ways to get onto the property ladder by leveraging certain savings schemes and specialist mortgage products!

The best part is you won't have to give up your daily doughnut or matcha either! 🍩

Let's chat about your options. 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

30/08/2026

The biggest mistake many first-time buyers make isn't about saving enough, it's about waiting too long. ⏰

You might think you need a massive deposit or completely sorted finances before talking to anyone.

That's a common misconception, and it could stop you from stepping onto the property ladder sooner.

I'm here to help clear things up.

I can explain how much you could borrow, what kind of deposit you might need, and the suitable mortgage options available. 🏡

Even if you're not ready to buy today, an early chat helps to create a plan to strengthen your application and sort your AIP, so you know how much you could borrow!

Let's chat about your options. 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

26/08/2026

A recent credit blip doesn't always mean your home ownership dreams are on hold. ⏸️

Many people assume that if their credit history isn't perfect, buying with a smaller deposit is simply out of reach.

What's amazing to hear is that some lenders are thinking differently, expanding their mortgage options for those with a 10% deposit, even if your credit isn't spotless. 🤩

I stay on top of these market changes. I'll do the heavy lifting, researching suitable options that fit your situation, saving you time and worry.

I'mhere to help you explore what's possible.🏡
Let's chat about your options. 💬

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

24/08/2026

It's amazing to hear that 1 in 3 young adults (18-29) have their sights set on buying a home within this year and next. 🏠

For many, stepping onto the property ladder can feel a bit out of reach.

But things are changing, with more affordable mortgage products arriving on the scene.

Think new builds with better borrowing options thanks to energy efficiency, or mortgages needing just a 5%, 2% – even 0% – deposit. 🏡

Being a first-time buyer can indeed bring up lots of questions. That’s where I come in!

I know exactly what to look for and how to present your application to suitable lenders, helping you step onto the property ladder without the fuss. 🙌

Let's chat about your options. 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

23/08/2026

Considering a longer mortgage term is a growing trend for many homeowners. 🤔

Stretching your mortgage over more years could indeed make those monthly repayments much smaller, which often helps with affordability and might even let you borrow a bit more.

However, it usually means you’ll also pay more interest overall. 🤔

Your monthly mortgage payment needs to fit your budget while also leaving some breathing room for unexpected expenses.

That's where I come in.

I always work with you to determine the most suitable term length for you, because it's definitely not one size fits all.

I'll look at your plans and help you understand your choices, even if shortening your term later becomes an option.

Let's chat about your options. 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

19/08/2026

You might currently be knee-deep in school uniform shopping and pencil case sorting. 🎒

It’s easy for important things like checking your mortgage deal to slip your mind amidst all the back-to-school bustle.

But taking a look at your mortgage now could stop you spending more than you need to each month. 💷

I handle all the research, comparing suitable options from a wide range of lenders.

I'll sort the admin, giving you more time to get the kids ready for September.

Parents are already booking their September mortgage appointments to get ahead! 🙌

Book a chat with me today. ☎️

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

17/08/2026

You've worked hard to build the life you have. Shouldn't you protect it too? 🛡️

We understand the dedication it takes to create the life you love. Now, let's make sure it stays that way.

Protection isn't just for today. It's about the people you care about most.

Life insurance provides a financial safety net, helping to cover the mortgage, bills, and other commitments for your loved ones.

This ensures your family can focus on what truly matters, without financial worries.

And what about the unexpected? Income protection replaces a portion of your salary if you're unable to work due to illness or injury. It’s a crucial layer of security.

Your life evolves, so your protection should too. We can help review your cover as your circumstances change.

Let me help you find the protection that makes sense for the life you've built.

Book a chat with us today. ☎️

Address

1 Churchill Way
Sheffield
S352PY

Telephone

+447843387077

Website

http://www.mckenziefinance.co.uk/

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