Charlotte Parry at Cheshire Mortgage Group

Charlotte Parry at Cheshire Mortgage Group CeMap qualified Mortgage and Protection Advisor. Based in Stockport with customers UK wide. Straight forward advice to save you time and money.

16/06/2026

📅 Quick homeowner check:

Do you know:
✔️ Your current interest rate?
✔️ When your deal expires?
✔️ Your remaining mortgage balance?

Many homeowners don't.

Taking 5 minutes to find out could potentially save you thousands over the life of your mortgage.

If you're unsure where to find this information, drop me a message.

15/06/2026

Bank Statement Tip for First-Time Buyers

📱 Small subscriptions add up!

When lenders review affordability, every regular commitment matters.

Take a look at your monthly spending:
• Streaming services
• Gym memberships
• Finance agreements
• Mobile contracts

You don't need to live like a monk, but understanding your spending can help you present the strongest mortgage application possible.

Could you save an extra £100 a month towards your deposit?

14/06/2026

Daily Tip: Future-Proofing Your Mortgage

🏡 A mortgage isn't just about getting the keys.

It's about making sure your home still works for you in 3, 5, or even 10 years' time.

Whether you're:
👶 Planning a family
💼 Thinking about self-employment
🚗 Needing more space
📈 Looking to improve your finances

A little planning today can create more options tomorrow.

If you'd like help building a mortgage strategy around your future goals, my inbox is always open.

13/06/2026

💼 THINKING OF GOING SELF-EMPLOYED?

Many homeowners worry that becoming self-employed will make getting a mortgage impossible.

The good news? It doesn't.

If you're considering self-employment and know you'll need to remortgage in the future, start preparing now:

✔️ Keep business and personal finances separate
✔️ Register with HMRC promptly
✔️ Maintain accurate accounts
✔️ Avoid unnecessary debt
✔️ Work with an accountant

The earlier you plan, the more mortgage options you're likely to have when the time comes.

📩 Thinking of making the move to self-employment? Let's discuss how it could affect your future mortgage plans.

12/06/2026

REMORTGAGING THIS YEAR? DON'T LEAVE IT TOO LATE

One of the biggest mistakes homeowners make is waiting until their current deal has ended before looking at their next mortgage.

Many lenders allow you to secure a new rate up to 6 months before your current deal expires.

Benefits include:

✅ Protection against future rate rises
✅ More time to review your options
✅ Avoiding the lender's standard variable rate

If your mortgage deal ends within the next 6 months, now is the perfect time to start planning.

📩 Message me to check when your deal expires and what options may be available.

11/06/2026

🏡 FIRST-TIME BUYERS: WATCH YOUR BANK STATEMENTS

Did you know your bank statements can be just as important as your credit score when applying for a mortgage?

Some common red flags lenders may question:

❌ Frequent gambling transactions
❌ Unauthorised overdraft usage
❌ Missed payments
❌ Buy Now, Pay Later commitments
❌ Large unexplained cash deposits

Before applying for a mortgage, it's worth reviewing your statements to make sure there are no surprises.

Planning to buy your first home this year? A quick review now could save delays later.

📩 Send me a message if you'd like guidance on getting mortgage-ready.

10/06/2026

Daily Tip:

Scared to check your credit score?

Worried what your remortgage payment might be?

Unsure whether you can afford to move?

The answer already exists.

Not asking the question won't improve it.
Not checking won't change it.

But finding out gives you something powerful: certainty.

Whether the answer is good, bad, or somewhere in between, you can only make informed decisions when you know where you stand.

The first step isn't getting the perfect answer.

It's asking the question.

09/06/2026

🏡 Daily Mortgage Tip

When it's time to re-mortgage, don't just review the interest rate - review your mortgage term too.

Many homeowners keep the same term length every time they re-mortgage without considering whether it still suits their circumstances.

If you can afford slightly higher monthly payments, reducing your term could save you thousands in interest and help you become mortgage-free sooner.

Don't pay more interest than you need to.

08/06/2026

🏡 Daily Mortgage Tip (More of a househunting one today)

Don't rely solely on property portals when house hunting.

Get out and view properties in person. Photos and descriptions don't always tell the full story.

(I'm saying this from experience as I now live in the property I refused to book a viewing for...)

07/06/2026

🏡 Daily Mortgage Tip

Don't base your property search solely on the maximum amount a lender is willing to lend you.

Instead, work out what monthly mortgage payment feels comfortable for your lifestyle and finances.

Just because you can borrow more doesn't always mean you should.

Address

Stockport

Telephone

+447857739073

Website

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