Emma Sadler Mortgage and Protection Broker

25/03/2026

25/03/2026

Sometimes the cases mean more to me when I get them through because it is helping someone I know change their life in a positive way, and this was one of them😊

It should have been straight forward however, occasionally a wild card gets thrown in!

Scenario:

🏡Remortgage to fix a new interest rate, take additional funds for home improvements, whilst simultaneously changing the title of the mortgage from joint names to a sole name.
🏦1️⃣It was a straighforward case, I was not anticipating any issues, but the lender downvalued the property by £15k. This meant the available borrowing would have been less and also, a different interest rate and product.
🤔I will always offer a choice in this scenario. Either stick with what the current lender is offering or change lenders to a lender who use a different valuer, and see if it is valued at the amount we think it is worth to enable the full borrowing amount to be achieved. The client wanted to try a different lender.
🏦2️⃣Valued the property at the price we said it should be valued at, allowed the client to keep the original borrowing amount so she could complete the improvements she had her heart set on, and tie up some loose ends.

🏡🍾🥂

🙋🏼‍♀️☕Get in touch to discuss your mortgage requirements 📱👩‍💻

20/03/2026

😊🏡

19/03/2026

🏡Is your fixed rate mortgage ending in the next 6 months?
🙋🏼‍♀️☕Get in touch to discuss your mortgage requirements📱👩‍💻

10/03/2026

🙋🏼‍♀️☕Get in touch to discuss your mortgage requirements 📱👩‍💻

06/03/2026

🏡3 mortgage offers in, over the last week.....

💳ALL had credit issues!

❌Defaults, debt management plans, missed payments.

A variety of different issues, but I placed all of them, 2 with a non-prime lender, specialising in adverse credit, and 1 with a high street lender.

Even if I cannot place the mortgage immediately, I can help you put steps in place and a timeline of when you can expect to be able to secure a mortgage.

🙋🏼‍♀️☕Get in touch to discuss your mortgage requirements📱👩‍💻

11/02/2026

👀🏡Stunning home for sale in the lovely village of Bradley

3 bedroom semi-detached house for sale in Yew Tree Close, Bradley, North Yorkshire, BD20 for £400,000. Marketed by Dacre Son and Hartley, Skipton

31/01/2026

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23/01/2026

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