SLC Complete

SLC Complete offers expert advice on protection, mortgages, and more – all tailored to you. Real people, real support, every step of the way!

With over 20 years of combined experience, we’re here to support you with honest guidance you can trust. SLC Complete Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 11634970. Registered address c/o Apc Accountancy, 73 Gilkes Street, Middlesbrough, united Kingdom, TS1 5EH

09/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000

🏦 Potential mortgage: £218,500

🏡 Property price: £230,000

🔑 Deposit: £11,500 (5%)

📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.

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.

08/09/2026

SARAH - always going the extra mile for anyone she comes across and making sure she has every bit of detail to do a good job. Well done Sarah.

07/09/2026

🎒 Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

04/09/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:

🔎 Review your current mortgage and circumstances

📊 Look at what's happening across the wider mortgage market

⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance

🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.

I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send me a message and I'll make sure we're ready when the time comes.

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.

03/09/2026

Kids back at school and what a wonderful time we have had!! But I need some route and working man hours in the day not at 5am or 11pm at night.

02/09/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent

💡 Household bills

🚐 Vehicle and business costs

🛒 Everyday living expenses

👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?

£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

01/09/2026

Karen always goes the extra mile and looks for something else. If she can not do it no one can ❤️

31/08/2026

Last monday I was in Butlins and we had the besy time! Enjoy your bank holiday guys.. until next year.

28/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.

💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩

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.

27/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover

If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:

Pay off or reduce your mortgage

Cover household bills

Make changes to your home

Take time away from work

Help with recovery costs

💼 Income Protection

If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:

Mortgage or rent

Household bills

Everyday living costs

Family commitments

Think of it this way:

🩺 Critical Illness Cover = A lump sum following a covered diagnosis.

💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us for a protection review.

Address

Stockton-on-Tees

Website

http://www.slccomplete.co.uk/

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