Mortgage with Nikki

10/06/2026

Your bank can only offer you one answer. I can offer you the whole market.

Most people don’t realise how much they could be missing out on by going straight to their bank. Different lenders, different criteria, different affordability calculations. What one lender says no to, another might say yes.

That’s the difference between a bank and a broker.

Curious what’s actually out there for you? Book a free appointment via the link in my bio or send me a DM. 👇

05/06/2026

The bank said no. That doesn’t mean the answer is no 🤷‍♀️.

There are more options out there than you think and I can help you find them.

Comment the word BANK and let’s have a chat, or book a free appointment via the link in my bio 🔗

03/06/2026

Adore you guys 💕💁🏼‍♀️

⭐ Another happy homeowner! ⭐

Helping clients achieve their property goals is what we love most. A huge thank you for your kind words about Nikki and the support she provided throughout your first mortgage journey.

Making the mortgage process simple, stress-free, and easy to understand is exactly what we’re here for. Congratulations on securing your first mortgage, and thank you for trusting Plus Financial to be part of such an exciting milestone!

🏡💙 Thank you for your recommendation and support—it means the world to us.

02/06/2026

Much needed R&R with my girls in New York! 🗽🍎✈️ Had the absolute best time.

Back and ready to do what I love, helping you get on the property ladder!

Who needs mortgage help this week? 👇

30/05/2026

Your bank said no. That doesn’t mean the answer is no.

Not all lenders use the same affordability calculation and some could lend you significantly more than a high street bank for the exact same income.

As an independent broker, I search across lenders, including ones you’ve never heard of, to find the right fit for your situation.

Want to know what you could actually borrow? Book a free appointment via the link in my bio or send me a DM. 👇

26/05/2026

Can my parents help me buy my home? 🏡

The answer is yes and there are more ways to do it than most people realise.

Whether that’s a cash gift towards your deposit or using equity in your parent’s home, there are options available that could get you on the ladder sooner than you think.

Want to know more? Drop the word ‘GIFT’ in the comments below and I’ll reach out to you ☺️.

25/05/2026

When a client unexpectedly drops a gift off to your home to say thank you. 🎁

I recently helped an elderly gentleman and this arrived at my door out of the blue.

It’s not about the gift. It’s about knowing I made a real difference to someone’s life. That moment when it all comes together for them. That’s why I do this.

If you’re ready to start your journey, I’d love to help. Book a free chat via the link in my bio or send me a DM.

19/05/2026

Most people think you need a 10% deposit to get on the property ladder. You don’t 🤷‍♀️

There are products out there that most people have never heard of and that’s exactly why I’m here.

If you’ve been putting off that first conversation because you don’t think you’re ready, please reach out.

You might be closer than you think.

Book a free appointment via the link in my bio or send me a DM.

09/05/2026

Saving for a deposit is one thing. But there are other costs first time buyers need to know about — and most people only find out about them halfway through the process. 😬

Here's what to budget for BEYOND your deposit:

🏠 Solicitor/conveyancing fees — typically £1,000–£2,000
🏠 Mortgage arrangement fee — £0 to £1,000+ depending on the deal
🏠 Survey costs — from £300 for a basic valuation up to £1,500 for a full structural survey
🏠 Stamp Duty — first time buyers currently pay 0% on properties up to £300,000
🏠 Removal costs — easily £300–£1,000 depending on how much you've accumulated!

Knowing these costs upfront means you can plan properly and avoid any nasty surprises when you're already emotionally invested in a property.

Knowledge is power. And I'm here to make sure you go into this with your eyes wide open. 👀

Any questions about the buying process? Let's have a chat. 💬

This isn't advice, just an example of how we work a variety of scenarios.

07/05/2026

"I can't buy yet, I haven't saved enough for a deposit."

I hear this ALL the time. And honestly? It's one of the biggest myths stopping first time buyers from even starting the conversation. 🙅♀️

Here's what most people don't know:

✅ There are mortgages available with just a £5,000 deposit
✅ Some lenders offer 0% deposit options through the Track Record mortgage
✅ Family can gift your deposit — you don't have to save it yourself
✅ Right to Buy schemes can use your discount AS your deposit

The idea that you need 10% saved before you can even think about buying? Outdated. The mortgage market has moved on — and there are more routes into homeownership than ever before.

You might be a lot closer than you think. 👀

Let's have a chat and find out what's actually possible for you. 💬

This isn't advice, just an example of how we work a variety of scenarios.