Mike Howarth - Cheshire Mortgage Group

Mike Howarth - Cheshire Mortgage Group Mortgage & Protection advice

If you were unable to work due to illness or injury, how long could you cover your mortgage payments?Income protection i...
08/06/2026

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.

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 ...
07/06/2026

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]

Friday is when most mortgages complete, which means keys are changing hands all over right now.Congratulations to everyo...
05/06/2026

Friday is when most mortgages complete, which means keys are changing hands all over right now.

Congratulations to everyone getting theirs today!

If your mortgage journey is just beginning, we're here whenever you're ready.

☎️ 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 — ...
04/06/2026

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.

How much can I actually borrow for a mortgage?It's one of the first questions everyone asks. But the answer is… it depen...
03/06/2026

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]

Is your mortgage costing you more than it should be?If you're on your lender's standard variable rate and watching your ...
02/06/2026

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]

Being self-employed doesn't mean mortgage doors are closed to you.But it does mean lenders look at things slightly diffe...
01/06/2026

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.

☎️ 03333 583 001
📧 [email 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...
31/05/2026

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]

Quick Tip: Did you know your credit score is a key player in your mortgage options? 📊A higher credit score can unlock lo...
30/05/2026

Quick Tip: Did you know your credit score is a key player in your mortgage options? 📊

A higher credit score can unlock lower interest rates and better mortgage terms, potentially saving you thousands over the life of your mortgage. 🏡💰

Are you ready to improve your credit score and secure a better mortgage deal?

Start by checking your credit report for errors and paying bills on time.

Need guidance? Reach out to us for expert advice! 🤝

Don't miss out on your dream home—take control of your credit today! 🌟

🏡 Are you looking to purchase your first home?🏡 Confused about what you need to do?🏡 How much do you need for your depos...
29/05/2026

🏡 Are you looking to purchase your first home?

🏡 Confused about what you need to do?

🏡 How much do you need for your deposit?

We can answer ALL your questions and help you get the right deal for your circumstances!

Address

Stalybridge
SK153GD

Telephone

+447568547714

Website

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