15/10/2026



Good morning,
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🏠 Your Mortgage Payment Has Increased. But What If Your Income Didn’t?
With mortgage payments putting more pressure on household budgets, it’s understandable that you might be thinking:
“I can’t afford to pay for protection right now.”
But there’s another question worth asking…
Could you afford to pay your mortgage if illness or injury stopped you working?
Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.
That’s why it’s worth considering:
💷 Income Protection – Could provide a regular income if illness or injury prevents you from working.
❤️ Critical Illness Cover – Could provide a lump sum following a qualifying critical illness.
👨👩👧 Life Cover – Could help your family financially if you die.
You don’t necessarily need to protect everything at once.
The right level of cover depends on your circumstances, budget and priorities.
If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.
👉Get in touch today. Let’s review your protection and find an option that fits your budget, so you can protect what matters most without adding unnecessary financial pressure.
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🏡 Could a 2.5% deposit be enough to buy your first home?
The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.
The proposed scheme could mean:
🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount
So, on a £300,000 new build, your own deposit could be just £7,500.
The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.
📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.
And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑
There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.
📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.
Full scheme details and eligibility are still to be confirmed.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.
