Mike Howarth - Cheshire Mortgage Group

Home
United Kingdom
Stalybridge
Mike Howarth - Cheshire Mortgage Group

Call Directions Website

Mortgage & Protection advice

02/11/2026

You might have seen the term LTV (loan to value) and wondered what it actually means.

It's simply the percentage of the property value you're borrowing. So if you're buying a £200,000 home with a £20,000 deposit, you're borrowing 90%, and your LTV is 90%.

Why does it matter? Because the lower your LTV, the better mortgage rates you can access. Lenders see a bigger deposit as lower risk, so they reward it with better deals.

It's one of the reasons saving a little more before you buy can make a real difference to your monthly payments.

If you’re looking for advice on your mortgage, get in touch!

☎️ 07568 547714
📧 [email protected]

01/11/2026

Thinking about buying your first home but not sure if you're ready?

Here's a simple checklist:
Do you have at least 5% of the property value saved as a deposit?
Are you registered on the electoral roll?
Have you checked your credit report recently?
Do you have a rough idea of what you earn and spend each month?

If you ticked most of these, you might be more ready than you think.

The next step is just a conversation.

☎️ 07568 547714
📧 [email protected]

31/10/2026

Bad credit doesn’t automatically mean no.

Remortgaging with less than perfect credit can be harder than with a clean file, but it's not impossible. There are specialist lenders who work with people in this situation every day.

It depends on the nature of your credit issues, how recent they are, and your overall financial picture.

The worst thing you can do is apply to multiple lenders at once, hoping something sticks, because each application leaves a mark on your file.

If you’re worried about remortgaging, give me a call, and we can discuss your options.

☎️ 07568 547714
📧 [email protected]

30/10/2026

Happy completion day!

This is the day you’ve been waiting for, and you finally get your keys. But there’s a lot happening behind the scenes.

🏡 Your mortgage lender releases the funds to your solicitor.
🏡 Your solicitor transfers the money to the seller's solicitor.
🏡 Once confirmed, the property is yours.
🏡 You get your keys.

The whole thing usually happens by early afternoon. And just like that, your new home is yours 🥂

29/10/2026

If you were unable to work due to illness or injury, how long could you cover your mortgage payments?

Income protection insurance replaces a portion of your income if you can't work, so your home stays secure even if life doesn't go to plan. And it can cost a lot less than most people think.

If this post makes you feel uncomfortable with the level of protection you currently have, get in touch with me on 07568 547714 and let's see how we can get you protected.

28/10/2026

Not sure if you'd even get approved for a mortgage?

It's one of the most common things we hear from first time buyers, and honestly, most people are in a much better position than they think.

Lenders will look at the full picture, not just one number. And knowing which lenders are most likely to say yes to your specific situation is exactly what we do.

If you’re worried about getting approved, give me a call and let’s see what’s possible.

☎️ 07568 547714
📧 [email protected]

27/10/2026

Did your fixed rate end and you didn't do anything about it?

You're not alone. Life gets busy, the letter from your lender gets buried, and suddenly you're on their standard variable rate paying more than you need to every single month.

The good news is it's not too late to sort it out.

☎️ 07568 547714
📧 [email protected]

26/10/2026

Being self-employed doesn't mean mortgage doors are closed to you.

But it does mean lenders look at things slightly differently. Most want to see 2 years of accounts or tax returns, though some will consider just 1. And knowing which lenders are most likely to say yes to your situation is exactly what a good broker is for.

Sole trader, limited company director, or contractor, we've helped people in all of these situations get the mortgage they needed.

☎️ 07568 547714
📧 [email protected]

25/10/2026

Something we hear a lot from first time buyers is that they don't even know where to start, and are worried about asking stupid questions.

But there really are no stupid questions.

We've helped people at every stage, from those who have no idea how a mortgage works, to those who just need help with the final details. We work with no judgement and no jargon.

If the process has been putting you off, that's exactly the problem we're here to solve.

☎️ 07568 547714
📧 [email protected]

24/10/2026

Building a good credit score is a bit like building up your steps. Small, consistent actions add up over time.

Pay bills on time. Keep credit card balances low. Don't apply for lots of credit at once. Check your report for errors.

None of these are dramatic changes, but done consistently, they make a real difference to the mortgage deals available to you.

Every step counts. 👣

☎️ 07568 547714
📧 [email protected]

Address

Stalybridge
SK153GD

Telephone

+447568547714

Website

https://cheshiremortgagegroup.co.uk/

Alerts

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