Ailes Mortgage Solutions Ltd

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Ailes Mortgage Solutions Ltd

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Ailes Mortgage Solutions Ltd ( Raja Iftikhar) Authorised and Regulated by FCA

01/11/2026

🎂 It’s My Birthday! 🎉 Life Is Too Short to Worry About What Others Think! ❤️ | Raja Iftikhar

❤️ 10 Points About Life, Happiness & Being Yourself

1. 🎂 Another year, another blessing! Alhamdulillah for everything Allah has given me, the good times, the challenges and the lessons.
2. ❤️ Life is too short to worry about people’s opinions. No matter what you do, someone will always have something to say.
3. 💯 Stop trying to please everyone. You weren’t born to live your life according to other people’s expectations.
4. 😊 Do what makes you happy. As long as you’re not hurting anyone, enjoy your life and follow your dreams.
5. ⏳ Time is something you can never get back. Don’t waste precious moments worrying about what others think.
6. 🙏 Be grateful for what you have. Sometimes we’re so busy chasing more that we forget to appreciate the blessings already around us.
7. 💪 Don’t compare your journey with anyone else’s. Everyone has their own struggles, achievements and timeline.
8. ❤️ Spend time with people who genuinely love you. Family, true friends and those who stand beside you matter more than strangers’ opinions.
9. 🌍 Make memories, take chances and enjoy every moment. One day, you’ll look back and realise that the little moments were actually the big ones.
10. 🎉 My birthday message to everyone: Live your life, be yourself, laugh loudly, love deeply, forgive quickly and never let the opinions of others steal your happiness. Remember, people will talk whether you’re winning or losing, so you might as well live a life you love!

📱 30 Hashtags

31/10/2026

“Can You Get a Mortgage at 6× Your Income? 🏡💷 Here’s What You Need to Know!”

1. Some lenders may consider mortgage borrowing at up to 6× income for eligible applicants.
2. It is not automatically available to everyone.
3. Lender criteria can depend on your income, employment and affordability.
4. Your credit history can play an important role.
5. Existing commitments such as loans, credit cards and car finance may affect affordability.
6. Your deposit and loan-to-value (LTV) can influence the available options.
7. Different lenders have different affordability calculations and criteria.
8. First-time buyers may have access to specific high-income-multiple products, depending on lender rules.
9. Getting an Agreement in Principle (AIP) can help establish an initial borrowing position.
10. A whole-of-market mortgage adviser can help assess which lenders may fit your circumstances.
11. ⁠

30/10/2026

5% Deposit Could Get You on the Property Ladder 🏡

Thinking you need a huge deposit to buy a home in the UK? You may be able to buy with just a 5% deposit — subject to affordability, your income, credit profile and lender criteria.

📍 Based in Solihull, helping clients across the whole of the UK.

10 Key Points
5% deposit means a potential 95% LTV mortgage.
A 5% deposit is not an automatic guarantee of getting a mortgage.
Lenders will assess your income and affordability.
Your credit history and credit commitments can affect the options available.
Your employment type and income structure can make a difference.
Different lenders have different criteria for 95% mortgages.
You could be a first-time buyer or an existing homeowner, depending on the lender.
The property itself must also meet the lender's requirements.
A mortgage adviser can help you compare lenders based on your circumstances.
If you think you can afford the monthly payments, get your circumstances assessed before assuming you can't buy.

📩 Want to know whether a 5% deposit could work for you? Get in touch for a personalised mortgage assessment.

29/10/2026

Buy-to-Let: Personal Name or Limited Company — Which Is Better? 🏠📈

10 Points to Cover in Your Video
Both options are possible — you can purchase a Buy-to-Let property in your personal name or through a limited company, subject to lender criteria.
Personal name BTL — explain that the mortgage and property are held in the individual’s name.
Limited company BTL — explain how a Special Purpose Vehicle (SPV) limited company can be used to purchase investment property.
Tax considerations — the tax treatment can be different between personal ownership and limited-company ownership, so professional tax advice is important.
Mortgage rates — rates and product availability can differ depending on whether you apply personally or through a company.
Deposit and affordability — explain that deposit requirements and rental-income calculations can vary between lenders.
Future investment plans — if someone plans to build a property portfolio, a limited company may be worth considering.
Existing property investors — the right structure can depend on the client’s current properties, income and future plans.
Lender criteria — not every lender accepts every company structure, so choosing the right lender is important.
Get advice before buying — don't choose the structure purely because someone else uses it. Look at your individual circumstances, mortgage options and tax position.
🎯 Closing Line

“Thinking about buying your first Buy-to-Let? Before you decide between personal name or limited company, speak to a qualified mortgage adviser and understand which option could work best for you.”

Hashtags

Address

135 Welford Road
Solihull
B903HT

Telephone

+447592068000

Website

http://www.ailesmortgages.co.uk/

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