ME Financial Services Ltd

ME Financial Services Ltd ME Financial Services provide specialist advice on Mortgages and Insurance products

ME Financial Services provide advice from a comprehensive range of Mortgage, life insurance & family protection and general insurance products. Our friendly and approachable advisers offer the following services:

MORTGAGE ME: We specialise in all areas of property finance including: First Time Buyers, Home Movers, Buy-to-Let (including Limted Company), and can also refer to specialists for Secure

d loans and Bridging Finance. PROTECT ME: Our services include advice on: Mortgage & Loan Protection, Life Insurance, Family Protection, Income Protection, Business Protection and much more

INSURE ME: We have access to 5 Star rated general insurance products including: Buildings & Contents Insurance, Landlord Insurance & Home Emergency cover

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. ME Financial Services Ltd is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. ME Financial Services Ltd is a company registered in England and Wales with company number 11622710. The registered office is 435 Stratford Road, Shirley, Solihull, England, B90 4AA.

When you choose a mortgage term, it’s easy to focus on the monthly payment. But the length of your term can make a big d...
18/08/2026

When you choose a mortgage term, it’s easy to focus on the monthly payment. But the length of your term can make a big difference to how much you pay overall.

A quick reality check:
🏡 25 years = higher monthly payments, less interest overall
📉 30 years = lower monthly payments, more interest paid
📊 35 years = even lower monthly payments, but significantly more interest over time

It’s all about balance. Lower monthly payments can help affordability now, but a longer term usually means paying more in the long run.

The good news? You’re not locked in forever. You can review your mortgage, overpay, or reduce your term later.

If you are still not sure what term works best for you, we’ll help you find the right balance.

Buying a home isn’t just about the asking price on the listing. Behind the scenes, there’s a lot more going on than most...
11/08/2026

Buying a home isn’t just about the asking price on the listing. Behind the scenes, there’s a lot more going on than most people realise.

The price you see isn’t always what a property will sell for. Some homes are priced to attract attention, others leave room for negotiation. And when it comes to offers, it’s not always about who offers the most. Sellers often look at your position too. Being chain-free, having a mortgage in principle, or being ready to move quickly can make your offer far more appealing.

Then there’s timing. Properties can sit on the market longer than you think, and that can open the door to opportunities if you know what to look for.

The truth is, understanding how the process really works can put you in a much stronger position.

If you’re in a position to overpay on your mortgage, it can be a powerful way to save money in the long run.By paying a ...
06/08/2026

If you’re in a position to overpay on your mortgage, it can be a powerful way to save money in the long run.

By paying a little extra each month, you could:
🏡 Reduce your overall interest
📉 Shorten your mortgage term
💰 Become mortgage-free sooner

But it’s not always the right move for everyone. Some mortgages have overpayment limits or charges, and it’s important to balance this with your other financial goals.

That’s why it’s worth running the numbers first.

At ME Financial, we have an Overpayment Calculator to help you see exactly how much you could save and how quickly you could reduce your mortgage.

👉 Try it here: https://mefinancial.co.uk/finance-tool-section/

Just because a lender says you can borrow a certain amount, doesn’t always mean you should.Affordability isn’t just abou...
04/08/2026

Just because a lender says you can borrow a certain amount, doesn’t always mean you should.

Affordability isn’t just about passing the checks. It’s about how your mortgage fits into your real life. Your monthly outgoings, lifestyle, future plans, and how comfortable you feel with repayments all matter.

It can be tempting to stretch your budget to get the “dream home”, but it’s important to leave room for the unexpected and still enjoy your day-to-day life.
The right mortgage isn’t just about the maximum you can borrow. It’s about what works for you long term.

Contact us to find out what’s truly affordable for your situation. We’ll help you find a balance that feels right.

✉️ [email protected]
☎️0330 0552506

ME Financial Services Ltd is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. ME Financial Services Ltd is a company registered in England and Wales with company number 11622710. The registered office is 435 Stratford Road, Shirley, Solihull, England, B90 4AA.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £100 to £600 and this will be discussed and agreed with you at the earliest opportunity.

Stamp Duty (or Stamp Duty Land Tax) is a tax you may need to pay when buying a property in England or Northern Ireland. ...
30/07/2026

Stamp Duty (or Stamp Duty Land Tax) is a tax you may need to pay when buying a property in England or Northern Ireland. The amount you pay depends on the price of the property, whether you’re a first-time buyer, and if you already own another property.

It’s calculated in bands, so you only pay the higher rate on the portion of the property price within each band, not the full amount.

The exact amount can vary quite a bit, so it’s important to factor this into your overall budget early on to avoid any surprises.

At ME Financial can help you work it out and plan ahead with confidence. Contact us for more information.

✉️ [email protected]
☎️0330 0552506

If you’re finding it difficult to keep up with payments, the most important thing is to act early. Lenders have a duty t...
27/07/2026

If you’re finding it difficult to keep up with payments, the most important thing is to act early. Lenders have a duty to support you and there are several options that may help ease the pressure.

Depending on your situation, you could:
💬 Speak to your lender about a temporary payment arrangement
📉 Switch to interest-only for a period to reduce monthly costs
📅 Extend your mortgage term to lower repayments
🔁 Review your current deal to see if a better rate is available

You may also be eligible for government support schemes depending on your circumstances.

The key thing is not to ignore the problem. The sooner you seek advice, the more options you’re likely to have.

At ME Financial, we’re here to talk things through and help you find a solution that works for you.

Monkspath Park is like a scene from Breaking Bad!
26/07/2026

Monkspath Park is like a scene from Breaking Bad!

Not bad... not bad...
25/07/2026

Not bad... not bad...

It might sound unbelievable, but a simple garden shed in London once made headlines with a value of over £400,000. Not b...
23/07/2026

It might sound unbelievable, but a simple garden shed in London once made headlines with a value of over £400,000. Not because of what it was, but where it was. In London, land and location can be everything.

So, could you actually get a mortgage on something like that?

In most cases, no. Lenders need a property to be liveable, with things like a kitchen and bathroom, so a basic shed won’t qualify.

However, if the shed comes with land, planning permission, or development potential, there may be specialist options available.

It just goes to show, in property, value isn’t always about bricks and mortar.

Are you thinking about an unusual purchase? ME Financial can talk through your options.

We often get asked if you can still get a mortgage if you have just changed jobs. The short answer is yes, you can. But ...
18/07/2026

We often get asked if you can still get a mortgage if you have just changed jobs.

The short answer is yes, you can. But it may depend on your situation.

Lenders like stability, so if you’ve recently started a new role, they’ll look at things like your employment history, whether you’re in a probation period, and if you’ve stayed within the same industry.

If you’ve moved into a similar role with steady income, many lenders are still happy to consider your application. Even if you’ve just started, there may still be options available.

Every lender is different, which is why speaking to a broker can make all the difference. At ME Financial, we’ll match you with lenders who suit your circumstances and help you move forward with confidence.

If you have recently changed jobs and are thinking about buying, let’s chat.

✉️ [email protected]
☎️0330 0552506

Address

435 Stratford Road, Shirley
Solihull
B904EZ

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm
Saturday 10am - 4pm

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