Emma Freestone Mortgages

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United Kingdom
Southbourne
Emma Freestone Mortgages

Offering mortgage and protection advice to suit my clients needs and requirements. I help my clients obtain the best mortgage and competitive rates.

I am passionate about helping my clients obtain the best mortgage and competitive rates. I have been working in Financial Services for over 20 years mainly offering excellent mortgage advice to my clients. I have mainly worked in the UK but I also worked for a couple of years as an adviser in New Zealand. I also worked as mortgage underwriter for 3 years so I have seen the mortgage process from bo

th sides of the coin which immensely benefits my clients by recommending not only the best lender/product but also gives me the confidence the application will be approved. I am passionate about getting first time buyers on the market. I am happy to meet with first time buyers who may not be looking to buy until in the future to help them put a plan in place to achieve this, when they are ready. I enjoy helping my clients repay there mortgage earlier then their current/standard term. I will help you explore and implement ways to do this. I am keen to help people who have poor or low credit scores make improvements to enable them to get a mortgage in the not do distant future. I am able to offer advice on the following:
• First time Buyers
• Help to Buy and other government backed scheme
• Green Mortgages
• Homemovers
• Re-mortgages
• Buy to Lets
• Let to buys
• Protection insurance: life, critical illness & income protection insurances

I offer whole of market mortgage advice. I provide the best advice for your circumstances and ensure you achieve your financial goals. Emma Freestone Mortgages trading under Y-not Finance Limited. Registered Office; 53, Casterbridge Road, Ferndown, Dorset, BH22 8LJ. Company Registration Number; 07424205; Y-Not Finance Ltd is Authorised and Regulated by the Financial Conduct Authority. Your Home could be at risk if you do not keep up your mortgage payments or the payments for a secured loan.

05/06/2026

“Emma is a fantastic mortgage advisor. She is efficient, knowledgeable and actions all requests promptly.” - Rachel T

When you’re buying, moving or remortgaging, communication matters just as much as the mortgage itself. 🤞🏻

Quick responses, clear guidance and staying on top of every stage can make the entire process feel smoother and far less stressful. ☺️

No chasing. No confusion. Just proactive support and expert advice when you need it most! 💙

If you’re looking for a mortgage advisor who keeps things moving and keeps you informed, message me today and let’s chat about your options. 💬

03/06/2026

Things that quietly affect your borrowing… 🤫

A lot of people think mortgages are only about salary and deposit size. But lenders look at far more than that! 👀

Here are a few things that can quietly impact how much you’re able to borrow 👇🏻

💳 Credit card balances - Even if you pay them on time, high balances can reduce affordability.

🚗 Car finance & monthly commitments - Lenders look at your overall monthly outgoings, not just your income.

🎰 Regular gambling transactions - Frequent gambling activity can raise concerns around financial stability and risk.

🛍️ Buy now, pay later usage - These small payments add up and are now looked at more closely by many lenders.

📉 Overdraft use - Living in your overdraft consistently can affect how your finances are viewed.

💼 Income structure - Bonuses, overtime and self-employed income may be assessed differently depending on the lender.

The important thing? One issue doesn’t automatically mean “no”. It just means strategy and lender choice matter! 💡

Want to understand what could affect your borrowing before you apply? Message me today for tailored advice and a clear plan forward. 💙

01/06/2026

Let’s be honest… buying a home can feel like a full-time job at times! 😅

Here are 5 things that can make the process feel far more manageable…

🌟 Get your mortgage sorted early - Knowing your budget before house hunting saves time, stress and disappointment later.

🌟 Keep your documents organised - Payslips, bank statements, ID… having everything ready speeds things up massively.

🌟 Ask questions - No question is “silly” when you’re making one of the biggest financial decisions of your life.

🌟 Avoid leaving everything until the last minute - Mortgage deals, solicitors and paperwork all move smoother when you stay one step ahead.

🌟 Work with the right people - Having a proactive broker and good professionals around you can completely change the experience.

You can’t remove every bit of stress from moving… but you can make the process feel a whole lot smoother with the right preparation and support! 💙

Thinking about buying soon? 👀 Message me today and let’s make your home-buying journey feel simpler from the very beginning. 💫

29/05/2026

House buying is stressful enough… your mortgage process shouldn’t be! 💁🏼‍♀️

“Emma went above and beyond to support us with our mortgage recently. She was super easy to deal with, after speaking to her on the phone initially everything else was done over email, which is perfect for me. She even got back to us within about an hour, from the other side of the world, when we needed a mortgage in principle surprisingly quickly. Such a seamless process and took the stress out of one element of house buying. Would definitely recommend Emma 😀” - Christina S

Buying a home comes with enough moving parts already!

That’s why I aim to make the mortgage side feel:
✅ Clear
✅ Responsive
✅ Flexible around your life
✅ As stress-free as possible

Whether you prefer calls, emails or quick updates on the go, the goal is always the same: keeping things moving smoothly and making sure you feel supported every step of the way! 💙

If you’re looking for straightforward mortgage advice and a broker who genuinely stays on top of things, message me today and let’s get started. ☺️

28/05/2026

Protection myths that could cost families thousands… 🫣

A lot of people put off life insurance or income protection because of things they’ve heard rather than what’s actually true…

❌ “I’m young and healthy, I don’t need it yet.”
The reality? Younger and healthier usually means cheaper cover!

❌ “It’s too expensive.”
Many protection policies cost less per month than a takeaway or streaming subscription.

❌ “My employer covers me.”
Workplace cover is often limited and may not follow you if you change jobs.

❌ “Nothing will happen to me.”
No one likes thinking about worst-case scenarios… but protection exists because life can change unexpectedly.

❌ “I’ll sort it later.”
Later can sometimes mean higher premiums, exclusions or finding it harder to get cover.

Protection isn’t about fear.

It’s about making sure your family, home and finances are protected if life takes an unexpected turn! 💙

Want honest advice on what protection you actually need (and what you don’t)? Message me today and let’s make sure you and your family are properly protected. 🤞🏻

27/05/2026

Financial freedom through mortgage overpayments… 🏡

Most people focus on getting the mortgage.
Fewer people realise how powerful small overpayments can be over time! 👀

Even paying a little extra each month could:
✨ Reduce the amount of interest you pay overall
✨ Shorten your mortgage term significantly
✨ Help you own your home outright much sooner than the standard 35-year term

And the best part? It doesn’t always take huge amounts! 💁🏼‍♀️

Sometimes even an extra £50-£100 per month can shave years off your mortgage and save thousands in interest over the life of the loan! 📉

Of course, overpaying isn’t right for everyone and it’s important to check:
✅ Your lender’s overpayment limits
✅ Your wider financial goals
✅ That you still have emergency savings in place

But when it works for your situation, it can be one of the smartest long-term financial moves you make! 💡

Want to understand how overpayments could impact your mortgage? Message me today and let’s explore your options together. 💙

21/05/2026

10 months. 3 rate reductions. One very happy homeowner. 💁🏼‍♀️

“Emma has been amazing throughout the ten months we've waited for our new home and voluntarily lowered our mortgage rate 3 times throughout that time. She continuously checked in with us and was genuinely pleased when we eventually completed. I couldn't recommend Emma more!” - Gemma P

Property journeys don’t always move quickly. Chains break, delays happen and rates can change dramatically while you wait. 🫣

That’s why having a broker who keeps monitoring the market and reviewing your deal throughout the process can make such a huge difference. 🤞🏻

Not just securing a mortgage… but continuing to fight for the best possible outcome right up until completion! 💙

If you’re buying, moving or remortgaging and want ongoing support from someone who genuinely cares about the outcome, message me today and let’s get started. ☺️

20/05/2026

What does inflation actually mean for homeowners? 🫣

You hear it in the news constantly…
“Inflation has risen.”
“Inflation is slowing.”

But what does that really mean if you own a home or have a mortgage? 🏡

Inflation is basically the rate at which the cost of living increases. When inflation stays high, everything from energy bills to food prices can become more expensive.

And here’s where it affects homeowners…

🌟 Mortgage rates - High inflation can lead to higher interest rates, which can impact mortgage pricing and monthly payments.

🌟 Affordability checks - Lenders may become stricter about what they’ll lend if household costs are rising.

🌟 Property market confidence - When people feel financially stretched, the housing market can slow as buyers become more cautious.

But it’s not all doom and gloom! 👀

Inflation also tends to reduce over time, markets adjust, and opportunities still exist for buyers and homeowners who plan properly.

The key is not panicking over headlines. It’s understanding how changes affect your situation and making informed decisions. 🤞🏻

If you’re unsure how inflation or rate changes could affect your mortgage, message me today for clear, tailored advice. 💙

18/05/2026

Renting vs buying in 2026… is it time to rethink where your money is going? 💭

Many renters are currently paying £1,500+ per month for a property they’ll never actually own! 🫣

And here’s the surprising part 👀

In a lot of cases, a mortgage payment can actually cost less than rent! 🤯

Instead of paying off a landlord’s mortgage month after month, buying means:
✨ Investing into your own future
🔑 Building equity in a property you own
🏡 Having long-term security and stability
📈 Potentially benefiting from future property value growth

Of course, buying isn’t right for everyone right now… but many people assume it’s impossible without ever checking what they could actually afford.

The market has changed, lender options have changed, and there are more routes onto the property ladder than people realise! 💁🏼‍♀️

If you’re wondering whether buying could cost less than your current rent, message me today and let’s explore your options properly. 💙

15/05/2026

Great communication. A great deal. A smooth process. 🥰

“Emma has been absolutely fantastic. Communication was great, she kept us informed throughout the process and went above and beyond to get us a good deal. Highly recommend.” - Mike H

Getting a mortgage shouldn’t feel like guesswork. 💁🏼‍♀️

It should feel clear, supported and well-managed from start to finish. 💪🏻

Knowing what’s happening. What’s next. And that someone’s working behind the scenes to secure the best outcome for you. 🤞🏻

That’s exactly what I aim to deliver every time. ☺️

If you want a mortgage process that feels straightforward and fully supported, message me today and let’s get started. 💙

Address

Southbourne Crossroads
Southbourne

Telephone

+447894154581

Website

http://www.emmafreestonemortgages.com/

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