Mike Howarth - Cheshire Mortgage Group

Mike Howarth - Cheshire Mortgage Group Mortgage & Protection advice

Is your mortgage costing you more than it should be?If you're on your lender's standard variable rate and watching your ...
08/09/2026

Is your mortgage costing you more than it should be?

If you're on your lender's standard variable rate and watching your monthly payments eat into everything else, a remortgage review might give you some breathing room.

It's not always possible to reduce payments, but it's always worth finding out. And we'll give you a straight answer either way.

☎️ 07568 547714
📧 [email protected]

If you were unable to work due to illness or injury, how long could you cover your mortgage payments?Income protection i...
07/09/2026

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.

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, an...
06/09/2026

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]

If we've helped you with your mortgage, we'd love to hear about it.Honest reviews mean everything to a small business. T...
05/09/2026

If we've helped you with your mortgage, we'd love to hear about it.

Honest reviews mean everything to a small business. They help other people in exactly the same position as you were, find the right advice at the right time.

It takes two minutes, and it makes a huge difference.

https://rpst.in/OmAoc

Happy completion day!This is the day you’ve been waiting for, and you finally get your keys. But there’s a lot happening...
04/09/2026

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 🥂

Being self-employed doesn't mean mortgage doors are closed to you.But it does mean lenders look at things slightly diffe...
03/09/2026

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]

Something we hear a lot from first time buyers is that they don't even know where to start, and are worried about asking...
02/09/2026

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]

Did your fixed rate end and you didn't do anything about it?You're not alone. Life gets busy, the letter from your lende...
01/09/2026

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]

Before you start seriously viewing properties, you'll want a mortgage in principle. But what does it really do for you?A...
31/08/2026

Before you start seriously viewing properties, you'll want a mortgage in principle. But what does it really do for you?

A mortgage in principle (also called a decision in principle or agreement in principle) is a written estimate from a lender confirming how much they'd be willing to lend you, based on a basic check of your finances.

It doesn't commit you to anything. It doesn't guarantee a full mortgage offer.

But estate agents take you more seriously, and you know your budget before you fall in love with a house you can't afford.

We can get yours sorted quickly.

☎️ 07568 547714
📧 [email protected]

How much can I actually borrow for a mortgage?It's one of the first questions everyone asks. But the answer is… it depen...
30/08/2026

How much can I actually borrow for a mortgage?

It's one of the first questions everyone asks. But the answer is… it depends.

Most lenders will offer around 4 to 4.5 times your annual income. So if you earn £30,000, you might be looking at borrowing £120,000 to £135,000.

But lenders also look at your outgoings, credit history, the size of your deposit, and more

The only way to get a real answer for your situation is to speak to a broker.

☎️ 07568 547714
📧 [email protected]

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Stalybridge
SK153GD

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+447568547714

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