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Healey Mortgages

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Healey Mortgages

Approved by The Openwork Partnership on 09/06/2026

02/11/2026

Renting now cheaper than buying for the average First-Time Buyer?

➡️Follow for insights & tips on buying your first home 🏡

31/10/2026

Happy Halloween from all of us at Just Mortgages! 🎃👻

Wishing you a spooktacular evening filled with treats! 🍬

29/10/2026

A headline mortgage rate may catch your attention, but there is more to consider before choosing a deal.

Arrangement fees, cashback and fee-free options can affect the overall cost, while deal length and early repayment charges may influence how well it fits your plans. 🧾📅

Taking a closer look at these details could help you choose a mortgage that better matches your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

29/10/2026

The Budget often comes with lots of headlines, opinions and speculation.

We've pulled together some of the key announcements from today's Autumn Budget to help you stay informed.

If you're unsure how any of these changes could affect your plans, we're here to help.

Approved by The Openwork Partnership on 28.10.2026
Just Mortgages is a trading name of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Could the Budget bring breathing space for families and fresh hope for first-time buyers?

John Phillips shares his reaction to the announcements and explains why mortgage advice matters when planning your next step.

Read John’s blog: https://tinyurl.com/yktt33wz

27/10/2026

The lowest mortgage rate does not always mean the lowest overall cost.

Fees, incentives, deal length and early repayment charges can all affect how mortgage options compare. 🔍🧾

Looking at the mortgage as a whole could help you make a more informed decision and find an option that suits your needs.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

26/10/2026

What could the upcoming Budget mean for your finances?

John Phillips, CEO of Just Mortgages, shares what he hopes, and expects to see, from support for household budgets to greater financial confidence for mortgage borrowers.

Read John’s pre-Budget blog: https://tinyurl.com/5x59h9tm

23/10/2026

When your current mortgage deal ends, you could move onto your lender’s follow-on rate.

This may change the amount you pay each month, so it helps to understand what happens next before your deal expires. 🏡📋

Reviewing your mortgage early gives you time to compare what your existing lender offers with other available deals and explore what could suit your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

21/10/2026

You may be able to review your mortgage options several months before your current deal ends.

Starting early gives you more time to compare deals, prepare your documents and check whether any early repayment charges apply. 🏡📅

Understanding your options in advance could help you plan your next steps around your circumstances and future plans.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

15/10/2026

A billionaire on DOAC telling ordinary people not to buy a home…….

Agree or disagree? 👇

➡️Follow for more podcast “experts” getting called out

15/10/2026

Your credit score is only one part of your mortgage application.

Lenders may also consider your income, deposit, existing debts, regular spending and overall affordability when assessing your circumstances. 🏡📊

Looking beyond the headline number could help you understand your position. A mortgage adviser can explain how these factors may affect your options.

Read our blog to find out more about credit checks and preparing for a mortgage: https://tinyurl.com/mr33bzc6

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

14/10/2026

Pull out of a house sale - should you have to pay up?👇

➡️Follow for more mortgage insights

13/10/2026

Reality behind the headline…….

Apparently the average 5 yr fixed rate mortgage is now 6% - OR IS IT?

Let me tell you the reality from an actual mortgage expert who’s arranging them daily

Share this with someone that might have fallen for the clickbait headlines…..

So the key is in the headline – AVERAGE

This factors in ALL the products available – so all the low deposit schemes, all the adverse credit products, all the niche products – these are all higher rates than standard mortgage deals

So while the word “average” might technically be correct

MOST people will be able to secure much lower than 6%

Chances are you’re eligible for a standard fixed rate – which will start with a 5

Not cheap no – but definitely not 6% plus

Like I always say – don’t listen too much to the news & legacy media

We should all know by now – they profit massively from scaremongering & clicks

Follow ➡️ for less scaremongering & more real life mortgage insights…..

13/10/2026

A lower credit score does not automatically mean a mortgage is out of reach.

If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡

Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.

Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/mr33bzc6

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

12/10/2026

First-time buyers - here’s an idea of what you’re looking at……..

These are example monthly payments on a £300,000 property over 30 years, based on different deposit sizes and fixed-rate options.

And remember - depending on your age and circumstances, you may be able to stretch the mortgage term and bring those monthly payments down 📉

➡️ Follow for more first-time buyer tips

09/10/2026

Don’t let your bank decide if you can buy a home……

➡️Follow for more home buying tips 🏡

02/10/2026

Everyone’s terrified about their mortgage going up….

Here’s what you need to do to secure the best possible mortgage deal!

➡️Follow for more mortgage tips

01/10/2026

First-time buyers, stop treating the asking price like it’s gospel……

Don’t come at me estate agents 😅

27/09/2026

New First-Time Buyer Scheme……

PM Andy Burnham has just announced a new FTB scheme, but it might sound a bit familiar…..

Let me break it down for you……

Make sure you save this to come back to and share it with someone who may benefit

So it’s being called “Your First Home” for first-time buyers in England –

You can buy a new build home with just a 2.5% deposit

The important bit – newbuild homes only

So on a £300k house: that’s £7,500 from you.

The government then provides an equity loan of up to 20%, and you get a mortgage to cover the rest

So if you can afford a monthly mortgage payment but you’re struggling to save a deposit – this could be massive for you

But it’s not just free money – so you need to understand……

The equity loan is expected to be interest-free for five years - that’s good news.

But there’s a catch.

The government obviously wants a return.
So If they lend you 20% of a £300k home - that’s £60k

As the property rises in value, so does the money you owe back

So if your property goes up to £400k, you pay back £80k

Is this a good idea that’s gonna help out a load of FTBs?

Or is it just the old “Help to Buy Scheme” rebranded as a new Labour idea?

Let me know in the comments 👇

➡️ Make sure you’re following for all the best First-Time Buyer insights

24/09/2026

Maternity leave & mortgages……

If you’ve just had a baby and you’re on maternity leave… good luck getting a mortgage.

You’re on Reduced pay.

You’ve got Childcare costs coming.

And Maybe you don’t even know exactly when you’re going back to work

No lender is gonna do this… right?

Wrong! Let me tell you how you can……

If you’re on maternity leave or about to go on it - save this for later

I speak to loads of parents who think they can’t get a mortgage while they’re on maternity leave.

Like lenders are gonna penalise you for having a baby!

But the reality is - you absolutely can get a mortgage while you’re on maternity leave.

Lenders will usually wanna know:

* When you’re planning to return
* Whether your hours are changing
* Whether your income will change
* What childcare costs you’re gonna have

And if you’re going back on the same hours and salary,
most lenders will assess affordability using your normal pre-maternity pay.

Nice to know you don’t get penalised for having a baby eh

➡️Follow for more real-world mortgage insights

Address

-
Stockport

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://healeymortgages.co.uk/, https://link.healeymortgages.co.uk/widget/booking/RWEzvZSqcgp7oWRILJqH, https://linktr.e

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