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Monday 11am - 5pm Tuesday 9am - 5:30pm Wednesday 11am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 12pm

Ashton's Mortgage Solutions

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United Kingdom
Shenfield
Ashton's Mortgage Solutions

Brad Ashton is a mortgage & protection adviser based near Brentwood, Essex, working with Ernest May

15/06/2026

Mortgage Q&A 🏡 (New-Build Buyers)
Buying a new-build with incentives — how do they affect your mortgage?
Incentives (cashback; builder-paid stamp duty; deposit contributions; upgrades/furniture packs) can change the figures a lender uses.
Most lenders/valuers look at the net price — the headline price minus incentives. If they do, the value/price used for lending can be lower, which can push your LTV up and mean you:
can borrow less; or fall into a higher-rate band.
Key point: incentives must be declared upfront to avoid delays.

12/06/2026

Buying Your First Home? Compare 12,000+ Deals Across 90+ Lenders 🏡
When you’re a first-time buyer, it’s easy to get overwhelmed by rates, jargon, and conflicting advice.
I'll compare 12,000+ deals across 90+ lenders and help you choose the right option for you — then guide you step-by-step from Agreement in Principle to completion.

Follow my page for more first-time buyer tips — and if you’re hoping to buy this year, drop a comment with “FIRST HOME” and I'll tell you what you can do next.

11/06/2026

Rate Lock 🔒💷
You can often secure a remortgage rate 3–6 months before your current deal ends — and not actually switch until nearer the time.
Why that matters:
if rates go up, you’ve protected yourself ✅
if rates go down, you may still be able to switch to a better deal before completion (lender-dependent) ✅
Timing and product choice are key though — especially if fees or early repayment charges apply.

05/06/2026

First Home, First Mortgage — I'll Guide You 🏡
Buying your first place is exciting… but the mortgage side can feel like a different language.
I'll guide you through it step-by-step:
- how much you can borrow (and what lenders look for)
- deposit options and gifted deposits
- AIP/MIP sorted before you view seriously
- choosing the right deal (not just the lowest rate)
- support from application right through to completion
If you’re a first-time buyer and want a clear plan, message me “FIRST HOME” for a free, no-obligation chat.

03/06/2026

Quick one for you…
If you could type anything into the search bar, what type of home do you want? 🏡
Be as specific as you like:
- location/road
- number of bedrooms
- detached/semi/terrace/bungalow
- big garden; driveway; garage; open-plan kitchen
- “needs work” project vs turnkey
Comment your answer below.

01/06/2026

Mortgage Q&A (Self-Employed) 💼🏡
If I’m self-employed, which year’s figures will lenders use — and what if my latest year is lower/higher?
Most lenders will look at your last 2 years’ income and then assess you using either:
a 2-year average; or
the most recent year (often where income is stable or increasing).

If your latest year is higher: you may be able to borrow more — depending on the lender.
If your latest year is lower: many lenders will base affordability on the lower figure (or a lower average), which can reduce borrowing.

You’ll usually need 2 years’ SA302s + Tax Year Overviews (and sometimes accounts, depending on your setup).

If you’re self-employed and want a quick sense-check before you apply, message me and I’ll point you in the right direction.

29/05/2026

Refer a friend. Get £50. 💷🏡
If you know someone who’s buying, moving home, or remortgaging, send them our way.
When your friend’s mortgage completes, we’ll pay you £50 as a thank you ✅
All they need to do is mention your name when they get in touch (or you can message me their details and I'll take it from there).
📩 Want to refer someone? Message “REFER” and I'll explain the simple steps.

27/05/2026

Find the Right Buy-to-Let Mortgage Deal 🏡🔑
Buy-to-let mortgages aren’t one-size-fits-all. The right deal depends on things like your deposit, expected rental income, the property type, and whether you’re buying personally or via a limited company.
That’s where I can help.
I'll compare options across the market (including specialist lenders where needed) and guide you through it — so you can make a confident decision as a landlord.
📩 Message me BTL” and we’ll book a free, no-obligation chat.

22/05/2026

𝗖𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗻 𝗮 𝗳𝗹𝗮𝘁 𝘄𝗶𝘁𝗵 𝗮 𝘀𝗵𝗼𝗿𝘁 𝗹𝗲𝗮𝘀𝗲 — 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗹𝗲𝗮𝘀𝗲 𝗹𝗲𝗻𝗴𝘁𝗵 𝗱𝗼 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝘂𝘀𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁?
Often yes, but it’s very lender-dependent.
As a rough guide, many lenders like to see around 70–85+ years remaining at the start of the mortgage (and some want more). If the lease is shorter, your lender options can reduce, rates can be less competitive, and it can also affect how easy the flat will be to sell or remortgage later.
The key is spotting it early — before you spend money on solicitors and surveys — so you can:
- target the right lenders ✅
- understand your options (including the lease extension route)

If you’re buying a flat and you’re unsure about the lease length, message me “LEASE” and I'll point you in the right direction.

21/05/2026

𝗥𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗖𝗵𝗲𝗰𝗸-𝗨𝗽: 𝗞𝗻𝗼𝘄 𝗬𝗼𝘂𝗿 𝗢𝗽𝘁𝗶𝗼𝗻𝘀 🏡💷
If your fixed rate is ending soon (or you’ve been meaning to review your deal), a quick check-up can give you clarity on what’s available — and what your next best step should be.

I'll help you understand:
- what deals you could move onto ✅
- what your monthly payments might look like 💷
- whether a 2-year or 5-year fix suits your plans 📆
- and how early you can secure a new rate (often 3–6 months before your current deal ends)

📩 Message me “CHECK-UP” and we’ll book a free, no-obligation chat.

Address

Shenfield

Opening Hours

Monday	11am - 5pm
Tuesday	9am - 5:30pm
Wednesday	11am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 12pm

Telephone

+441277361700

Website

http://www.ernestmay.com/

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