Emma Freestone Mortgages

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Emma Freestone Mortgages

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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 both 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.

02/11/2026

Get paid in CASH? Think that means you CAN'T get a mortgage? Think again! 👀

If you're paid in cash rather than directly into your bank account, you might assume getting a mortgage is completely out of the question. 💷

But here's the good news… Being paid in cash doesn't automatically stop you from getting a mortgage! 🙌🏻

However, there's one VERY important thing lenders will want to see…

PROOF OF YOUR INCOME! 📄

Whether you're employed, self-employed or running a cash-based business, lenders need to be confident that your earnings are genuine, consistent and affordable. So, what should you know? 👇🏻

💷 Cash wages are not automatically a problem - If your employer pays you in cash, you may still be eligible for a mortgage, provided your income is properly recorded and you can supply the documentation required by the lender.

📄 Payslips and tax records matter - If you're employed, lenders will typically want to see payslips and may request other evidence to verify your earnings.

🏦 Bank statements can be important - Regularly depositing your cash earnings into your bank account can help create a clearer financial record, although deposits alone aren't necessarily sufficient proof of income.

📊 Self-employed? Your accounts are key! - If you run a cash-based business, lenders will generally assess your declared income using documents such as tax calculations, tax year overviews or business accounts, depending on their criteria.

🚨 Undeclared income is a different story - Money earned 'cash in hand' that hasn't been properly declared or documented generally won't be accepted as qualifying income by mortgage lenders.

And here's something worth remembering… There's a BIG difference between being paid in cash and having income you can't prove.

With over 20 years of experience in financial services, including my background as a mortgage underwriter, I understand that not everyone's financial circumstances fit neatly into the same box. 💙

30/10/2026

“When all the other services involved with the move were difficult and frustrating, Emma was the rock.” ⭐️⭐️⭐️⭐️⭐️

Anyone who's moved house knows that it isn't always smooth sailing! 😅

Between solicitors, estate agents, paperwork, deadlines and the occasional unexpected complication, what should be an exciting experience can sometimes feel incredibly overwhelming.

Which is why receiving reviews like this means so much! 🤭

Being a mortgage adviser isn't just about finding you a suitable mortgage deal. It's about being someone you can rely on when things get complicated.

💙 Someone who answers your questions.

💙 Someone who explains what's happening without the confusing jargon.

💙 Someone who keeps you informed and reassured.

💙 And someone who genuinely cares about getting you through the process as smoothly as possible.

I can't promise that every part of moving home will be stress-free, but I CAN promise to do everything I can to make the mortgage side of things feel that little bit easier. 🙌🏻

Thank you so much, David, for your lovely words and for trusting me to support you through your move! ☺️

Planning to buy, move or remortgage? If you're looking for an experienced mortgage adviser who'll be in your corner from start to finish, message me today. 🏡

28/10/2026

The SCARIEST thing about buying a house? The things nobody tells you… 👻

You've found your dream home. The kitchen is gorgeous, the garden is perfect and you've already mentally moved your furniture in.

But what if there are a few hidden horrors lurking beneath the surface? 😱

And no, we're not talking about ghosts in the attic… We're talking about the things that could turn your dream home into a VERY expensive nightmare! 💀👇🏻

🎃 Restrictive covenants - Imagine buying your dream home only to discover there are restrictions on what you can do with it! Some properties have legal covenants that could affect extensions, alterations or even how you use your home.

🎃 Shared access surprises - That lovely driveway might not be entirely yours! Shared access arrangements and rights of way can affect how you're allowed to use parts of your property.

🎃 Unexpected estate management charges - Think service charges are just for flats? Think again! Some freehold properties on managed estates come with ongoing charges for maintaining communal spaces and facilities.

🎃 Missing building regulations approval - That beautiful loft conversion or extension might look fantastic, but was the necessary approval obtained? Missing paperwork can create complications during the buying process.

🎃 The costs nobody mentioned - From unexpected repairs and maintenance responsibilities to additional legal enquiries, the true cost of buying a property can sometimes be more than you initially anticipated.

And here's the REALLY scary part… You might not discover some of these issues until you're already emotionally invested in the property! 😬

That's why buying a home isn't just about finding somewhere you love and securing a mortgage. It's about understanding exactly what you're buying, asking the right questions and making sure your solicitor carries out the necessary legal checks.

A suitable property survey can also help identify physical issues that aren't obvious during a viewing. 🤞🏻

The dream is getting the keys to your new home, NOT discovering a financial horror story afterwards!

26/10/2026

Got a CCJ? Think that means you'll NEVER get a mortgage? Think again! 🤭

One of the biggest misconceptions about getting onto the property ladder is that you need a spotless credit history to be considered for a mortgage. But here's something you might be surprised to learn…

Having a County Court Judgment (CCJ) doesn't automatically mean you can't get a mortgage! 👀

While a CCJ can make borrowing more challenging, some lenders may still consider your application depending on your individual circumstances.

So, what will they look at? 👇🏻

🌟 How much was the CCJ for? - Some lenders are more flexible with smaller judgments, while larger amounts may limit your options.

🌟 How long ago was it registered? - A CCJ from several years ago may be viewed differently from one registered recently.

🌟 Has it been paid off? - Whether your CCJ is satisfied or outstanding can make a difference to how lenders assess your application.

🌟 How much deposit do you have? - A larger deposit may open up more options with certain lenders, although it doesn't guarantee approval.

🌟 What does the rest of your credit history look like? - Lenders may also consider missed payments, other debts, your income and your overall financial circumstances.

And here's something else worth knowing…

A CCJ will normally remain on your credit record for six years from the date it was registered, even if you've since paid it off. However, if you pay it in full within one calendar month of the judgment, you can apply to have it removed from the register. 💡

The important thing? Don't assume the answer is NO before you've explored your options! 💙

With over 20 years of experience in financial services, including my background as a mortgage underwriter, I understand how important it is to look at the full picture rather than just one part of your credit history.

Worried that a CCJ or past credit problems could stop you buying a home? Message me for a confidential, no-pressure conversation and let's explore what mortgage options may be available to you. 💬

23/10/2026

⭐️⭐️⭐️⭐️⭐️ “We have been using Emma for years now…”

There's something incredibly special about a client who comes back to you time and time again. 🥹

Whether it's buying a home, remortgaging or investing in property, building long-term relationships with my clients is one of the most rewarding parts of what I do! 🤭

A huge thank you to Katrina for this wonderful review:

“We have been using Emma for years now for a wide range of mortgages, both residential and buy-to-let. She has consistently been reliable and professional, always just a phone call away whenever we’ve needed advice or answers. Her experience and dedication have been invaluable to us, and we wouldn’t hesitate to recommend her to anyone looking for a trusted mortgage adviser.”

Your mortgage needs don't necessarily stay the same forever.

🏡 You might start with your first home.

🔑 A few years later, you could be moving up the property ladder.

💷 You might need to review your mortgage as your circumstances change.

🏘️ Or perhaps you're exploring buy-to-let opportunities.

Whatever stage you're at, having a mortgage adviser who understands your history, your circumstances and your goals can make a real difference. 🤞🏻

I'm not just here for one mortgage application. I'm here to provide advice and support as your property journey evolves. 💙

Thank you so much, Katrina, for your continued trust over the years. It really does mean the world! ☺️

Looking for a mortgage adviser you can rely on for the long term? Whether it's residential, remortgaging or buy-to-let, message me today and let's explore your options. 💬

21/10/2026

Want to be in your NEW HOME by Christmas? Here's what you need to know… 🎄🏡

Picture it… Christmas morning, presents under the tree, the smell of roast potatoes in the oven and celebrating your first festive season in your brand-new home. 🎁

Sounds perfect, doesn't it? 🥹

But if you're hoping to be unpacked and settled before Santa arrives, there are a few things you need to know! 👀

With Christmas approaching, the clock is ticking, and buying a property isn't always as straightforward as finding somewhere you love and getting an offer accepted. Here's what could affect your moving timeline:

❄️ The property chain - If you're buying in a chain, your completion date could depend on several other buyers and sellers being ready. Even one delay can affect everyone!

❄️ Your mortgage application - From submitting documents and affordability checks to the lender's valuation and issuing a formal offer, there are several stages to work through.

❄️ Solicitors and conveyancing - Property searches, enquiries, contracts and legal checks all take time. Some issues can take longer to resolve than expected.

❄️Your position as a buyer - Being a first-time buyer or purchasing a chain-free property could help simplify the process, although neither guarantees a quick completion.

❄️ Christmas deadlines - Solicitors, lenders and other businesses may have reduced availability over the festive period, making it even more important to get organised early.

So, is moving before Christmas still possible? 🎅🏻

Potentially! It depends on where you are in the buying process, the property you're purchasing and how quickly everything progresses.

But here's my biggest piece of advice…

Don't leave your mortgage arrangements until the last minute! 🤞🏻

Getting your finances organised, understanding your budget and having the right documents ready can help avoid unnecessary delays.

Hoping to move before Christmas or planning a fresh start in 2027? Message me today and let's get your mortgage plans moving! 💬

20/10/2026

Your mortgage is affordable… but what about your WINTER energy bills? 🥶🏡

You've found your dream home, worked out your deposit and discovered that the monthly mortgage repayments fit comfortably within your budget.

Amazing! 🎉

But before you start mentally decorating the living room and planning cosy evenings by the fire, there's something else worth thinking about…

How much is that home actually going to cost you to RUN? 👀💷

Because as the temperatures drop and the heating goes on, the true cost of homeownership can become a little more noticeable!

Here's what I'd encourage buyers to consider:

🔥 Energy bills - That gorgeous four-bedroom detached house might be within your mortgage budget, but how much will it cost to heat throughout winter? Check the property's EPC rating and ask about typical energy usage.

🏡 Council Tax - Two properties with similar asking prices can fall into different Council Tax bands, so it's worth checking before you commit.

🔧 Maintenance and repairs - Boiler breakdowns, leaking roofs and unexpected repairs don't exactly wait until payday! Having an emergency fund can make a HUGE difference.

💡 Everyday household costs - Water, broadband, home insurance and other regular expenses can quickly add up alongside your mortgage payment.

💷 Room for the unexpected - Just because a lender is prepared to offer you a certain mortgage amount doesn't necessarily mean you should borrow the maximum available.

And that's something I always encourage buyers to think carefully about…

A mortgage should fit your LIFE, not just your lender's affordability calculations! 💙

After all, you want to enjoy your new home, not spend every winter worrying about whether you can afford to turn the heating on! 🥶

My advice? When working out your house-hunting budget, think beyond the monthly mortgage payment and consider what homeownership will realistically cost you throughout the year. 🤞🏻

Thinking about buying your first home or moving somewhere new? Message me today and let's explore your mortgage options with your bigger financial picture in mind. 💙

16/10/2026

⭐️⭐️⭐️⭐️⭐️ “We feel completely confident in her guidance at all times.”

When you're making one of the biggest financial decisions of your life, having someone you can trust to guide you through it makes ALL the difference! 🏡

And that's exactly what I aim to provide for every client! 🤭

A huge thank you to James for this wonderful review:

“Emma has been absolutely fantastic to work with. She is always able to answer any questions we have very quickly, and she does so with such reassurance and expertise. Her knowledge of mortgages is second to none, and she makes the whole process feel straightforward and stress-free. We feel completely confident in her guidance at all times. I can't recommend her highly enough!”

For me, being a mortgage adviser is about so much more than finding a suitable mortgage deal.

It's about making sure you feel…

💙 Informed, so you understand your options and the decisions you're making.
💙 Reassured, so you're not left worrying about what happens next.
💙 Supported, with someone available to answer those questions, big or small.
💙 Confident, knowing you've received advice tailored to your circumstances.

With over 20 years of experience in financial services, including my background as a mortgage underwriter, I know how important it is to make what can feel like a complicated process as straightforward as possible. 🤞🏻

Thank you again, James, for your incredibly kind words and for putting your trust in me. 🥰

Looking for mortgage advice that leaves you feeling confident rather than confused? Whether you're buying your first home, moving or remortgaging, message me today and let's explore your options. 💬

14/10/2026

New season, new home? Why AUTUMN could be the perfect time to start house hunting! 🍂🏡

When you think about buying a home, spring and summer might be the first seasons that come to mind. But what if I told you that autumn could actually be a great time to find your next home? 👀

Here's why it might be worth swapping pumpkin picking for property viewings this season… 🎃👇🏻

🍂 Potentially less competition - With the busy spring and summer moving seasons behind us, there may be fewer buyers actively house hunting in some areas. That could mean less pressure when viewing properties and making offers.

🍂 Motivated sellers - Some homeowners who listed their properties earlier in the year may be keen to secure a sale before Christmas, potentially creating opportunities for negotiation.

🍂 More room to negotiate? - Depending on local market conditions, properties that have been listed for a while may have sellers who are more open to reasonable offers. It never hurts to understand your negotiating position!

🍂 See how a property handles the British weather! - Autumn viewings can reveal things you might not notice on a sunny summer afternoon, from damp patches and drainage issues to how much natural light a property actually gets.

🍂 Get ahead of the new year rush - Starting your search now could put you in a stronger position heading into 2027, even if you don't find the right property straight away.

Of course, there's no single 'best' season to buy a home. The right time depends on your finances, circumstances and what's happening in your local property market. 🤞🏻

But if you've been putting off your property search until spring, you might be missing opportunities that are available right now! 🍂

And before you fall in love with that cosy fireplace, beautiful kitchen or autumn garden…

Make sure you know what you can realistically afford! 😉

Thinking about moving this autumn? Message me today and let's explore your mortgage options, work out your budget and get you ready for your next chapter. 💙

13/10/2026

“We can get you a MUCH better deal on your insurance…” But can you trust the person calling? 🧐

Imagine receiving a phone call from someone claiming to be from a reputable insurance company, promising to save you money on your existing cover. Sounds tempting, right? 👀

Unfortunately, not every caller is who they claim to be, and insurance scams can leave you financially vulnerable or even without the protection you thought you had. 😰

So, before you agree to anything, here are a few things to remember! 👇🏻

🌟 Don't share your personal or policy details - Never give out sensitive information about your existing insurance, bank details or passwords to an unexpected caller unless you've independently verified who they are.

🌟 If it sounds too good to be true, be cautious! - Scammers may promise unbelievably cheap premiums or better cover to encourage you to make a quick decision.

🌟 Don't assume the caller is genuine - Fraudsters can impersonate legitimate businesses and even disguise the number they're calling from. If you're unsure, hang up and contact the company using a number you've found independently.

🌟 Don't let anyone pressure you - A genuine provider should give you time to understand the policy, check the details and make an informed decision.

🌟 Speak to your existing adviser before making changes - Before cancelling or replacing your protection, let's make sure you understand exactly what you're being offered and whether it genuinely meets your needs.

Remember, cheaper doesn't always mean better, especially when it comes to protecting your home, family and financial future. 🏡

Received a suspicious insurance call or been offered a deal you're unsure about? Message me before making any changes and let's talk through your options. 💙

Address

Southbourne Crossroads
Southbourne

Telephone

+447894154581

Website

http://www.emmafreestonemortgages.com/

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