My Choice Mortgage Ltd

My Choice Mortgage Ltd 🏠Honest Mortgage Advice Made Simple. ✨ Follow for First Time Buyer Tips + up-to-date Mortgage News.

My Choice Mortgage Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority​.

It’s the Sunday mornings in the kitchen.The friends around the table.The first Christmas.The garden you’ll complain abou...
07/09/2026

It’s the Sunday mornings in the kitchen.

The friends around the table.

The first Christmas.

The garden you’ll complain about mowing. 😂

The feeling of closing the front door and knowing this is yours 🥰

When you’re saving for a deposit, watching your spending and wondering whether you’ll ever actually get there, it’s easy to forget what you’re doing it all for.

You’re not just working towards buying a property.

You’re working towards a life you can picture yourself living 🤍🔑

And when you’re ready to find out whether that dream could become a plan, we’re here to help you take the next step.

📲 01489 359 100
Or drop us a DM for a chat.



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

All those times you said…“Not this month.”“I’m trying to save.”“I really don’t need another takeaway.” 😂“Do I actually n...
02/09/2026

All those times you said…

“Not this month.”
“I’m trying to save.”
“I really don’t need another takeaway.” 😂
“Do I actually need it?”

It can feel like you’re constantly saying no to things when you’re saving for a home.

Until one day, all those little decisions turn into something pretty massive.

Your own front door. Your own keys. Your own home. 🔑🏡

And if buying still feels like something that’s years away, it might be worth finding out where you actually stand.

You could be further along than you think.

We’ll help you understand what’s possible, what you might be able to borrow and what your next steps could look like.

📲 01489 359 100
Or drop us a DM for a chat.



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

We all have that Rightmove folder 👀🏡The dream kitchen.The garden you’d actually sit in.The extra bedroom.The location yo...
01/09/2026

We all have that Rightmove folder 👀🏡

The dream kitchen.
The garden you’d actually sit in.
The extra bedroom.
The location you’ve convinced yourself you’re “just browsing” in. 😂

But sometimes the gap between “I’d love to live somewhere like that” and “Could I actually buy it?” isn’t as big as you think.

You don’t need to have everything figured out before speaking to us.

You don’t even need to be ready to buy tomorrow.

Sometimes the first step is simply finding out where you stand, what you could potentially borrow and what you might need to do next.

Because that house you’ve been saving?

One day, you might be holding the keys. 🔑❤️

📲 01489 359 100
Or drop us a DM and let’s have a chat.



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

Being on maternity leave does NOT automatically mean you can’t get a mortgage.And this is exactly where speaking to a br...
24/08/2026

Being on maternity leave does NOT automatically mean you can’t get a mortgage.

And this is exactly where speaking to a broker can make a difference.

Different lenders have different criteria. Depending on the lender and your circumstances, they may want to understand things like:

👶 Your income before maternity leave
💷 Your maternity pay
📅 When you’re planning to return to work
💼 The hours and salary you’ll return on
🧸 Any expected childcare costs

So if you’re growing your family AND dreaming about a new home, don’t automatically assume you need to put those plans on hold until you’re back at work.

You might have more options than you realise.

Before you rule yourself out, talk to us.

We’ll look at your actual circumstances and help you understand what’s possible. 🏡

📲 Call 01489 359 100 or drop us a DM.



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

Getting divorced doesn’t automatically mean your chances of getting another mortgage disappear with your marriage.But yo...
19/08/2026

Getting divorced doesn’t automatically mean your chances of getting another mortgage disappear with your marriage.

But your circumstances may look very different now.

If you still have a joint mortgage with your ex, want to buy them out of the family home, are selling and buying somewhere new, or simply want to know what you could afford on your own, there can be a few more things to consider.

Your income, existing mortgage commitments, debts, maintenance payments and available deposit could all play a part.

And importantly, just because you’ve moved out of a jointly mortgaged property doesn’t necessarily mean you’re no longer financially responsible for that mortgage.

It can feel like a LOT when you’re already dealing with everything else that comes with a separation.

That’s where we can help.

We’ll look at your individual circumstances, explain your options in plain English and help you work out what your next chapter could actually look like. 🏡❤️

📲 Call 01489 359 100 or send us a DM for a chat.



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

💷 “I earn £____ (fill in the blank), how much mortgage can I actually get?”If only there was one simple answer 😂You’ve p...
17/08/2026

💷 “I earn £____ (fill in the blank), how much mortgage can I actually get?”

If only there was one simple answer 😂

You’ve probably seen the calculators that multiply your salary by a certain number and give you a figure.

But that’s only part of the story.

Different lenders assess affordability differently and may consider your income, regular commitments, debts, deposit and individual circumstances.

Which means two people earning exactly the same salary could potentially be offered very different amounts.

So if you’re scrolling Rightmove thinking…

“Could I actually afford THAT house?” 👀

Don’t guess.

Let’s find out what’s realistically possible first.

📲 Call 01489 359 100 or drop us a DM for a chat.

You might be closer than you think. 🏡



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

If this is you, don’t wait until your current deal has already finished.One of the biggest mistakes homeowners can make ...
12/08/2026

If this is you, don’t wait until your current deal has already finished.

One of the biggest mistakes homeowners can make is assuming they need to sit tight until their fixed rate ends before looking at their options.

You don’t.

Starting the conversation early gives you time to understand what’s available, compare your options and make a decision without the last-minute panic.

And with remortgaging activity picking up again, plenty of homeowners are asking exactly the same question right now.

Not sure when you should start?

That’s what we’re here for.

📲 Call 01489 359 100 or send us a DM and we’ll talk you through your options.



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

This is one of the questions we’re asked a lot.The honest answer?It depends.Buy Now Pay Later isn’t automatically a prob...
10/08/2026

This is one of the questions we’re asked a lot.

The honest answer?

It depends.

Buy Now Pay Later isn’t automatically a problem, but lenders will look at your overall financial commitments and spending habits when assessing affordability.

So before you panic or assume you’ve ruined your chances…

Ask someone who looks at mortgages every day.

The right advice could save you time, stress and a lot of unnecessary worrying.

📲 Drop us a DM or call 01489 359100 for a free chat. We’ll explain your options in plain English and help you move forward with confidence. (My Choice Mortgage)



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

🚨 Mortgage Myth Alert 🚨“I’ve changed jobs… so there’s no point applying for a mortgage.”Not necessarily.This is one misc...
05/08/2026

🚨 Mortgage Myth Alert 🚨

“I’ve changed jobs… so there’s no point applying for a mortgage.”

Not necessarily.

This is one misconceptions we hear.

Every lender has different criteria. Some may want you to have passed probation, while others could look at your application differently depending on your circumstances.

That’s why Google can’t give you a personalised answer.

A broker can.

Before you write yourself off, let’s have a chat. You might have more options than you think.

📩 Send us a DM or call 📞 01489 359100 for a free, no-obligation chat. Our advice is free, and we’re here to help every step of the way.



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

It’s exciting to start looking at homes.But spending just a little time preparing first can save you a lot of disappoint...
03/08/2026

It’s exciting to start looking at homes.

But spending just a little time preparing first can save you a lot of disappointment later.

Here’s our checklist:

✅ Speak to a mortgage broker so you know what you could realistically borrow.

✅ Work out your monthly budget, not just the purchase price. Remember to include bills, insurance and other homeownership costs.

✅ Get an Agreement in Principle. It shows estate agents and sellers that you’re a serious buyer and can put you in a stronger position when making an offer.

A little preparation now can make the whole buying process smoother and far less stressful.

If you’re ready to start your home-buying journey, we’d love to help.

📞 Call 01489 359 100 or DM us for a free, no-obligation chat.



📌 Your home may be repossessed if you do not keep up with repayments.

Address

Southampton

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 1pm

Website

Alerts

Be the first to know and let us send you an email when My Choice Mortgage Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to My Choice Mortgage Ltd:

Shortcuts

Share

Category