Monique Jones - Willowgate Finance Mortgage & Protection Specialists

01/06/2026

07/05/2026

𝐓𝐡𝐢𝐧𝐤 𝐛𝐚𝐝 𝐜𝐫𝐞𝐝𝐢𝐭 𝐦𝐞𝐚𝐧𝐬 𝐧𝐨 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞? 𝐍𝐨𝐭 𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐢𝐥𝐲.

There are actually lots of lenders who will consider applicants with credit blips, it’s just about knowing where to look and how to present your case.

One lender I’m highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):

✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don’t always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV

This is exactly why speaking to a broker makes a difference, criteria like this isn’t always obvious if you’re going direct.

If you’ve been declined before, or you’re unsure where you stand, it’s worth having a conversation.

📩 Drop me a message, and I’ll give you a clear, honest view of what’s possible.

𝑆𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑓𝑢𝑙𝑙 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑡𝑖𝑜𝑛 𝑎𝑛𝑑 𝑝𝑟𝑜𝑑𝑢𝑐𝑡 𝑟𝑎𝑛𝑔𝑒.

𝑌𝑜𝑢𝑟 𝐻𝑜𝑚𝑒 (𝑜𝑟 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦) 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑑𝑒𝑏𝑡𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑜𝑛 𝑖𝑡. 𝑇ℎ𝑒𝑟𝑒 𝑚𝑎𝑦 𝑏𝑒 𝑎 𝑓𝑒𝑒 𝑓𝑜𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑎𝑑𝑣𝑖𝑐𝑒, 𝑡ℎ𝑒 𝑒𝑥𝑎𝑐𝑡 𝑎𝑚𝑜𝑢𝑛𝑡 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑐𝑖𝑟𝑐𝑢𝑚𝑠𝑡𝑎𝑛𝑐𝑒𝑠.

01/05/2026

Such a lovely way to end the week; the sun is shining and another happy customer leaving a 5* review of our service. 🌞🎉

18/03/2026

𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗬𝗼𝘂𝗿 𝗖𝗵𝗶𝗹𝗱𝗿𝗲𝗻’𝘀 𝗙𝘂𝘁𝘂𝗿𝗲

𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝘁𝗵𝗲 𝗚𝘂𝗮𝗿𝗱𝗶𝗮𝗻𝘀 𝗡𝗮𝗺𝗲𝗱 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗪𝗶𝗹𝗹

Writing a Will is one of the most important steps you can take to protect your children. It allows you to appoint trusted guardians who will care for them if the unexpected happens.

But many parents overlook one critical question:

𝗪𝗶𝗹𝗹 𝘁𝗵𝗼𝘀𝗲 𝗚𝘂𝗮𝗿𝗱𝗶𝗮𝗻𝘀 𝗵𝗮𝘃𝗲 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝘁𝗵𝗲𝘆 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗿𝗮𝗶𝘀𝗲 𝘆𝗼𝘂𝗿 𝗰𝗵𝗶𝗹𝗱𝗿𝗲𝗻?

That responsibility can bring significant financial pressure, including:

▪️Day to day living expenses
▪️Food and clothing
▪️School costs and activities
▪️Childcare and transport
▪️Housing and utility bills

That’s where 𝗙𝗮𝗺𝗶𝗹𝘆 𝗜𝗻𝗰𝗼𝗺𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 can make all the difference.

Please get in touch to learn how 𝗙𝗮𝗺𝗶𝗹𝘆 𝗜𝗻𝗰𝗼𝗺𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 can work for you.

06/02/2026

💡𝗦𝘁𝗿𝘂𝗴𝗴𝗹𝗶𝗻𝗴 𝘁𝗼 𝗷𝘂𝗴𝗴𝗹𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱𝘀, 𝗹𝗼𝗮𝗻𝘀 𝗼𝗿 𝘀𝘁𝗼𝗿𝗲 𝗰𝗮𝗿𝗱𝘀?

I have access to a lender that offers a 𝗱𝗲𝗯𝘁 𝗰𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗶𝗼𝗻 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗽𝘁𝗶𝗼𝗻 𝘂𝗽 𝘁𝗼 𝟴𝟬% 𝗹𝗼𝗮𝗻 𝘁𝗼 𝘃𝗮𝗹𝘂𝗲, so only 20% equity in your home! It is designed to help homeowners bring multiple debts together into one manageable monthly payment.

This could help if you’re dealing with:
✔️ High credit card balances
✔️ Multiple monthly debt repayments
✔️ Recent ups and downs with your credit

✨𝗪𝗵𝘆 𝘁𝗵𝗶𝘀 𝗼𝗽𝘁𝗶𝗼𝗻 𝘄𝗼𝗿𝗸𝘀 𝗳𝗼𝗿 𝗺𝗮𝗻𝘆 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀:
• No strict income-to-debt limits
• Debts paid off as part of the mortgage aren’t counted again in affordability
• No set limit on how much debt can be consolidated
• Larger balances considered sensibly, based on your recent spending
• No special or higher-priced products - it’s part of the lender’s standard range
• Interest-only options available with flexible repayment plans

If you’re looking to reduce monthly outgoings and get back in control of your finances, it’s worth having a conversation.

📩 Message us to see if this could work for you.

𝘚𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

04/02/2026

𝗕𝗲𝗰𝗮𝘂𝘀𝗲 𝗬𝗼𝘂𝗿 𝗙𝗮𝗺𝗶𝗹𝘆’𝘀 𝗟𝗶𝗳𝗲 𝗦𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝗖𝗵𝗮𝗻𝗴𝗲 𝗜𝗳 𝗬𝗼𝘂’𝗿𝗲 𝗡𝗼𝘁 𝗧𝗵𝗲𝗿𝗲

If the worst were to happen, would your family still be able to live the life you planned for them?

𝗙𝗮𝗺𝗶𝗹𝘆 𝗜𝗻𝗰𝗼𝗺𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 is designed to replace your income with regular, tax-free payments — helping your loved ones cover the everyday things that matter most: the home they live in, the bills they pay, the activities they enjoy and the future you’re working so hard to build.

✅ 𝗢𝗻𝗴𝗼𝗶𝗻𝗴 𝗶𝗻𝗰𝗼𝗺𝗲 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗰𝗮𝗻 𝗿𝗲𝗹𝘆 𝗼𝗻
✅ 𝗦𝗶𝗺𝗽𝗹𝗲, 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻
✅ 𝗥𝗲𝗮𝘀𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲𝘆’𝗹𝗹 𝗯𝗲 𝗼𝗸𝗮𝘆

𝗚𝗶𝘃𝗲 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆, 𝘄𝗵𝗮𝘁𝗲𝘃𝗲𝗿 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄 𝗯𝗿𝗶𝗻𝗴𝘀.

Get in touch today for more information 📞 01775 421501

27/09/2025

Massive well done to the Red Roses!!
🌎🏆🎉👏🏻

27/09/2025

📢 A Message From Us at Fratelli Cafe ☕️

Lately, you may have noticed our little café feeling quieter than usual. We want to be honest with you — running a small independent business has become tougher than ever. ‼️

Everything is going up:
☕ Staff wages (because our amazing team deserves fair pay)
🏠 Rent, business rates & BID charges
⚡ Utilities that seem to double every month
🥐 Stock & ingredients that cost far more than before

We’re so proud of the space we’ve built together, and the wonderful reviews we’ve received from so many of you remind us we’re doing something right. But the truth is, despite the love and hard work, survival is harder than it should be.

If you value independent cafés like ours, we’d be so grateful if you popped in, told a friend, left us a review, or simply shared this post. Every cup of coffee, every meal, every kind word really does make a difference.

Thank you for supporting local. 💛 Without you, places like ours can’t exist.

Fratelli Cafe Spalding

*please note that this picture was taken on Friday lunchtime ‼️

08/09/2025

🩷 Beautiful family home in Spalding 🏡

28/07/2025

Huge congratulations to the Lionesses and their team! 🎉 👏