Matt at ME Financial Services Ltd

Matt at ME Financial Services Ltd Mortgage & Protection Advisor
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“I probably couldn’t get a mortgage… I only take a small salary.”I hear this quite often from company directors.Many dir...
14/03/2026

“I probably couldn’t get a mortgage… I only take a small salary.”

I hear this quite often from company directors.

Many directors keep their salary low for tax efficiency, which can lead them to assume borrowing options will be limited. In practice, it often depends on how a lender chooses to assess income.

Some lenders will assess salary and dividends, while others may consider salary alongside retained company profits when assessing affordability.

Criteria varies between lenders, so understanding how income may be assessed can make a significant difference when planning a purchase or remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

CIS Contractors: Getting a MortgageMany people working under the Construction Industry Scheme assume getting a mortgage ...
08/03/2026

CIS Contractors: Getting a Mortgage

Many people working under the Construction Industry Scheme assume getting a mortgage is difficult.

In reality, it often depends on how the lender chooses to assess your income.

Some lenders treat CIS workers as self-employed and look at accounts and tax calculations. Others may consider CIS vouchers, contract history and income patterns instead.

If you work under CIS and are thinking about buying or remortgaging this year, it’s worth understanding how lenders will view your situation.

If you're a CIS contractor around Birmingham or the West Midlands and want to understand how a lender may assess your income, feel free to get in touch.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Is your fixed mortgage rate ending in 2026?Many people don’t realise you can usually secure a new deal up to 6 months be...
28/02/2026

Is your fixed mortgage rate ending in 2026?

Many people don’t realise you can usually secure a new deal up to 6 months before it expires.

If you do nothing, you may move onto your lender’s Standard Variable Rate. For example, HSBC’s SVR is currently around 6.24% (at time of writing).

Most remortgages aren’t complicated - they’re just left too late.

If your rate expires this year, check the end date and understand your options now.

If you’d like to talk it through, feel free to message me.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There’s a lot of talk about potholes at the minute.If you’ve driven anywhere around Birmingham recently, you’ve probably...
26/02/2026

There’s a lot of talk about potholes at the minute.

If you’ve driven anywhere around Birmingham recently, you’ve probably hit one.

Mortgages can be similar.

The issues usually come when:
- A fixed rate ends and the payment jumps
- Household costs have crept up
- There’s nothing in place if income stops

Most problems aren’t sudden.
They just haven’t been reviewed in a while.

If your rate ends this year, it’s worth checking it sooner rather than waiting until it becomes urgent.

Happy to have a quick chat if anyone wants to sense-check theirs.

A recent article in The Times questioned whether the mortgage market is becoming too relaxed.Some lenders have eased cri...
16/02/2026

A recent article in The Times questioned whether the mortgage market is becoming too relaxed.

Some lenders have eased criteria in certain areas. Longer terms are becoming more common.

But mortgage lending remains regulated. Affordability assessments and stress testing still apply.

Individual circumstances will always determine suitability.

14/02/2026

When clients say they remember your advice about finding a home where they’ll feel happy and comfortable - that’s the win.

Mortgages are numbers.
Homes are emotional.

If you’re starting your search, don’t wing it.

Let’s build a plan.

12/02/2026

Most homeowners have life cover.
Few realise there’s more than one way it can pay out.

If you already have a mortgage, it’s worth reviewing how your protection is structured.

Message the page if you’d like to sense-check what you have in place.

Thinking about house-hunting? Don’t skip this step first.A quick chat with a mortgage adviser could save you weeks of wa...
01/11/2025

Thinking about house-hunting? Don’t skip this step first.

A quick chat with a mortgage adviser could save you weeks of wasted viewings - and thousands in costs later down the line.

From working out your true budget and monthly payments, to understanding hidden costs and reserving rates before they change - the right advice at the start makes the whole process smoother.

💬 Message me to get started on your plan - no obligation, just good advice.

Mortgage offer approved! 🏡 Always the best feeling seeing clients this happy when their offer comes through ✅From applic...
23/09/2025

Mortgage offer approved! 🏡
Always the best feeling seeing clients this happy when their offer comes through ✅
From application to approval: smooth, stress-free, and one step closer to picking up the keys 🏡✨

If you’re considering moving, your fixed rate is ending in the next 6 months or just have a query, feel free to get in touch!

BANK OF ENGLAND BASE RATE REDUCED FROM 4.25% - 4% 🏦 🎉 MPC have just voted by a majority of 5-4 🤝A number of lenders hav...
07/08/2025

BANK OF ENGLAND BASE RATE REDUCED FROM 4.25% - 4% 🏦 🎉

MPC have just voted by a majority of 5-4 🤝

A number of lenders have been reducing rates in recent weeks, in anticipation of a base rate cut on the horizon.

Get in touch now if you’re considering your next steps & would like to know what this means for you!

Address

435 Stratford Road
Solihull
B904AA

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Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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