David -Lyonhurst Mortgages

20/01/2026

Our thought of the week….

09/01/2026

After 12 months of advising clients on mortgages and protection, one thing has become clear:

Lack of knowledge- not lack of income, has often been the biggest barrier to buying a home, re-mortgaging or having the correct protection in place.

To help tackle this, I’m now delivering ‘Mortgage Education Workshops’ for local businesses and their employees.

These sessions, on either a 1-2-1 or group basis, are designed to explain and help people understand:

✔️ How mortgages actually work without the jargon
✔️ Deposits- what’s really required
✔️ How lenders assess affordability
✔️ What employees can do now to improve their options later

Simple. Practical. No pressure.

If you’re a business owner or HR manager who’d like to offer this to your team as a free employee benefit, feel free to message me or comment “workshop” below.

Supporting your people’s financial wellbeing has never mattered more.

06/01/2026

Ever considered what additional benefits you could receive when protecting your family and your home? With benefits ranging from fracture cover, hospitalisation benefits, GP services to gym discounts, cinema tickets and more.........

What is important to you and your family???

Our thought of the week.

26/10/2025

What’s equity?
It’s your home’s value minus what you owe on it — basically, your financial stake in your property. The more you pay off, the more equity you build! 🔑

19/10/2025

Thinking of paying off your mortgage or loan early? 🏠💰
Be careful — you might face an Early Repayment Charge (ERC).

Here’s the deal 👇
✨ It’s a fee your lender charges if you repay your loan before the agreed term ends.
✨ It covers the interest they lose when you exit early.
✨ Usually applies during fixed or special rate periods.
✨ Often costs 1–5% of your remaining balance.
✨ Some lenders let you overpay up to 10% per year without a fee!

⚖️ Tip: Always check your mortgage or loan agreement before making extra payments — it could save you thousands.

14/10/2025

Thinking of your next home? Wondering how much you could realistically borrow?
While online calculators give you a ballpark, your actual borrowing power depends on a number of different factors.

12/10/2025

Coming to the end of your current fixed-rate? 🤔
That’s the perfect time to think about a remortgage — switching to a new deal (with your current lender or a new one) to get a better rate or release some equity. 💷

09/10/2025

This week we helped a First Time Buyer achieve his dream of purchasing his first home 🎉- with a little bit of extra fact-finding 🔍

07/10/2025

A question we get asked every week!! All lenders want to see proof of who you are, where you live, and how much you earn. Having these documents ready in advance will speed up your mortgage application.

05/10/2025

This week’s jargon buster- ‘What is affordability’?….

02/10/2025

⏱️⏱️ 24 hours from application to mortgage offer! A remortgage win for our client this week!

30/09/2025

There isn’t a one-size-fits-all answer to this common question, it depends on your budget, plans, and appetite for risk.

What would give you more peace of mind- knowing your payments stay the same, or having flexibility if rates drop?