Martin Hughes at McKenzie Financial Services Ltd

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Martin Hughes at McKenzie Financial Services Ltd

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

30/09/2026

Time waits for no man, and neither do mortgage rates. 📈

Although the Bank of England has held the base rate, we may still see interest rates increase in the blink of an eye.

If you see a rate that catches your eye, you don't have to wait until your current deal runs out.

Sorting a new deal early can give you a clearer picture of what your future payments could look like. 📸

Sticking with your current lender isn't the only route either. Comparing what else is out there can be worth the time.

But your rate isn't the only thing that matters. Fees, flexibility, and how the deal fits your plans all count too. 🔎

Things can shift between now and when your deal ends, so getting ahead of it could mean more choice, not less.

Speaking to me early means more time to explore what suits you. 🏡

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

28/09/2026

Did you know a deposit isn't always about cash in the bank? 🏡

Sometimes it comes in the form of equity, especially when buying from a family member.

Here's how it works. The property is sold for less than its market value, and the difference becomes gifted equity instead of a traditional deposit. ✅

It's not the same as a gifted deposit, where cash is handed over towards the purchase. This is about value built into the sale itself.

Not every lender treats this the same way, so it needs to be documented properly from the start.

If equity is part of your picture, don't assume you need a big pile of savings first. 💷

The real task is finding lenders who understand your situation.

Want to talk it through? Speak to me. 💬

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

27/09/2026

Your deposit matters, but it's only a small part of the full picture. 🔑

A lot of buyers focus all their energy here, when really it's just one piece of the puzzle.

Let's discuss what you should be thinking about beyond your deposit.

Start with an AIP (Agreement in Principle), a lender's early indication of what they might let you borrow. It gives you a realistic number to plan around. 💷

Every lender looks at things differently.
Some offer higher lending multiples (up to 6x your income). Others have criteria that suit specific circumstances better, like mortgages for the self-employed. 🔎

If your situation doesn't tick the usual boxes, specialist lenders can open doors that high street options might close.

A gifted deposit from family or savings built through a Help to Buy ISA can also shape your strategy and widen what's possible.

Then there's your rate.
Your mortgage should fit your plans, not just look good on paper. The lowest rate isn't always the smartest choice once your income and future circumstances are factored in. 🤔

Making the most of your options matters more than chasing the biggest deposit. 💬

Want to see where you stand? Speak to me.

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

23/09/2026

Every lender looks at your income differently. 🔎

Some use higher multiples for certain professions; some are more generous with bonuses or self-employed income; some just have friendlier criteria for your situation.

Your bank will never tell you that another lender might offer you more, because it doesn't know and it doesn't need to.

I speak to a wider range of lenders, so we can match your circumstances to the ones that actually fit.

An AIP should be a starting point for understanding your options, not just a number on a page.

And a bigger number doesn't always mean you should borrow more.

Speak to me first. I'll help you see the full picture before you fall in love with a house 🏡

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

21/09/2026

Whether you've had a baby, gotten married, moved home, or started a new job, these all warrant some reflection about your protection! 🤔

With these changes, your income, family, and mortgage needs can evolve.

Does your protection policy still reflect your current situation?

Book your protection review today. 📲

17/09/2026

After all the talk about whether rates could rise, today’s announcement is actually good news 🏠

But that doesn’t mean mortgage rates are standing still.

We’re already seeing lenders make changes, and a rate available today could quite easily be gone tomorrow!
So if your mortgage is coming up for renewal in the next 6 months, you’re looking to move, or you’re thinking about buying, now is the time to get ahead of it.

Don’t wait any longer to speak to us
Get in touch and let’s look at your options now. ☎️

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

16/09/2026

Roll the dice on step one: work out how much deposit you have. I help you see what options that opens up. 🎲

Move to step two: figure out your borrowing.
I look at what you could realistically afford, not just a number on a screen. 💷

Land on step three: check your credit.
I help spot issues early, before they slow you down. 💳

Step four, get your finances ready.
Bank statements, payslips, credit report. That's it. 📄

Step five, set a budget that feels comfortable.
Not the maximum, the one that lets you sleep at night. 💤

Step six, get your Agreement in Principle sorted.
This shows sellers you're ready to move. ✅

Step seven, find a mortgage that fits.
I look past the high street for options that suit your situation. 🔎

Step eight, house hunting.
Go into viewings knowing your numbers already. 🏡

Step nine, offer accepted.
I keep things moving behind the scenes. 🤩

Final square, keys in hand.
I'm still here after that for equity questions, early repayment charges, or remortgaging. 🔑

Fancy starting your go? Let's have a chat.

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

14/09/2026

Some lenders have just raised their maximum mortgage borrowing limits. 📈

This applies to both home purchases and remortgages, and the changes are especially noticeable for anyone with a larger deposit.

A higher limit could open the door to more properties than you thought possible. 🤩

Here's the bit people often miss: your maximum borrowing isn't just about salary.

Affordability, deposit size, property type and each lender's own criteria all play a part, and those criteria shift more often than you'd think. 🤔

So if you were told a number a while back, it might be worth checking again.

Speak to me and I'll help you see where you actually stand. 🏡

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

13/09/2026

Protection is there for those moments we hope never arrive. 💔

Life insurance, critical illness cover, and income protection all protect in different ways.

Life insurance is the one most people are familiar with - it pays out a lump sum after you've passed away to ensure your family is taken care of. 💷

Critical illness cover also comes in the form of a lump sum but often comes after the diagnosis of a serious illness like cancer, a heart attack or stroke. 🎗️

Income protection works differently - it could pay out a portion of your monthly salary for the duration of your illness.

The most important thing to remember is that your income is a huge asset. How would you manage without it?

Having the right cover offers financial peace and safeguards your loved ones.

The amount of cover you need is personal, based on your life and commitments.

It's not about expecting the worst; it's about being prepared. 🛡️

Let's chat about your protection needs. Get in touch today.

09/09/2026

Seen a home that's caught your eye, but it's a bit more than your Agreement in Principle (AIP) suggested? 🤔 You're not alone!

Your AIP is a great indication of what you could borrow, but it's definitely not a deal set in stone!

It's not a formal mortgage offer, and often, there's flexibility to adjust things when you make your full application.

I can explore suitable options like changing your mortgage term or the borrowing amount to help get you closer to your dream home.

I may even be able to get you more on your AIP. 🤩

I never want your mortgage payments to feel unaffordable.

Sometimes, reducing the term can mean higher monthly payments, which might affect what a lender can offer. So, checking the numbers is key! ✅

I'm here to help you understand what's possible and find a solution that suits your budget.

Let's chat about your options. 📱

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

Address

1 Churchill Way
Sheffield
S352PY

Telephone

+447843387077

Website

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

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