House of Mortgages Ltd

House of Mortgages Ltd Looking for the right mortgage or protection? ✅
Independent advice for first‑time buyers, movers, remortgages & buy‑to‑let. Registered in England and Wales.

Mortgages, life cover, critical illness & income protection — all in one place.
👉 Message us now to get started House of Mortgages Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate mo

st Buy to Let Mortgages. Registration Number 11090366. The content of this page is aimed at UK customers

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

For our mortgage advice services, we will charge a fee of between £399 or 1% of the mortgage advance. Our typical fee is £399

The latest figures show that raising a child to 18 can cost around £250,000 for couples. 👨🏼‍👩🏽‍👧🏽‍👦🏼This figure covers t...
09/09/2026

The latest figures show that raising a child to 18 can cost around £250,000 for couples. 👨🏼‍👩🏽‍👧🏽‍👦🏼

This figure covers the essential costs for a decent standard of living.

And the responsibility often extends beyond 18, with parents supporting further education or housing.

What if your income was suddenly gone due to illness?

Or what if a parent was no longer there? 💔

Life insurance can offer a lump sum to protect your children and their future plans.

We help you find the cover that suits your income, mortgage, debts, and your family’s plans. 💷

Let’s review your insurance to ensure it fits your changing needs.

Get in touch today. 📲

Source: https://blog.moneyfarm.com/en/markets-and-economy/raising-a-child-today-costs-249000/

Many people mistakenly believe these mortgages come with lots of hidden catches. 🤫Perhaps you think they're only for new...
07/09/2026

Many people mistakenly believe these mortgages come with lots of hidden catches. 🤫

Perhaps you think they're only for new buyers, or that the interest rates are always through the roof.

The truth is, even if you're a current homeowner, you could still explore a 5% deposit mortgage.

Lenders are offering competitive rates, and being self-employed doesn't rule you out either, provided you have your paperwork sorted. 💪

Our team is here to clear up the confusion and do the heavy lifting.

We’ll look at your unique situation, explore suitable options from various lenders, and help you understand what’s possible.

Let's chat about your options. 📲

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

You're six months from your mortgage deal ending and life feels busy. 🤔Waiting until the last minute to look at your rem...
06/09/2026

You're six months from your mortgage deal ending and life feels busy. 🤔

Waiting until the last minute to look at your remortgage can really limit your choices.

Many lenders let you secure a new rate well before your current one finishes. This early start gives you more time to compare what's out there. ⏰

Your existing lender's renewal offer isn't always the most suitable for you, and if you don't act before your rate ends, you could roll onto your lender's SVR, which could cost you hundreds extra!

Our team can help you review all your options up to 6 months before your deal ends. 🔎

We compare different lenders and products to make sure you get a clear picture.

This means you have plenty of time to make an informed decision. ✅

Let's chat about your options. 📞

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

When you apply for a mortgage, there's a type of debt many people overlook. 🤔You might declare credit cards or car repay...
02/09/2026

When you apply for a mortgage, there's a type of debt many people overlook. 🤔

You might declare credit cards or car repayments, but those 'buy now, pay later' schemes, such as Klarna, are also debt and must be declared.

Lenders see them as financial commitments, just like any other.

Having existing debt won't always take you out of the running! We know plenty of lenders who work with various credit histories. 💪

It's more about your income-to-debt ratio and whether you're actively paying these off. Our team helps you explore suitable options.

Book a chat with us today. ☎

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

CLIENT REVIEW ✨✨✨✨✨This was my first house purchase, and after looking at the list of things involved in the process, I ...
01/09/2026

CLIENT REVIEW ✨✨✨✨✨
This was my first house purchase, and after looking at the list of things involved in the process, I decided that it definitely needed someone who knew what they were doing, and that person was definitely not me. The first meeting with Jude was great, with lots of information about how things would work, and a budget illustration, which covered short-term costs and general outgoings, to check affordability. I was also updated on mortgage market changes between that first meeting and when I had found a property.
As well as explaining all of my mortgage options, arranging the mortgage, and referrals to surveyors and solicitors, Jude also helped me with putting in the offer with the estate agent, which was also welcome reassurance considering the amount of money involved in house purchases.
After the wheels were set in motion, Carly did a great job of keeping me updated, and chasing the various involved parties for updates, she also coordinated with the solicitor to ensure my buildings insurance started on exchange day. On the income protection side, Rhianna went over all of my options and helped me figure out what income protection insurance would work best for my circumstances.
The short version: If you want a friendly, dedicated and professional team, who know how to navigate the complexities of the house buying process and give you reassurance along the way, I strongly recommend using House of Mortgages to take a lot of the stress out of one of the most stressful things you'll ever do.

Did you know almost 60% of first-time buyers rule themselves out of a mortgage before even speaking to anyone? 🤔They do ...
31/08/2026

Did you know almost 60% of first-time buyers rule themselves out of a mortgage before even speaking to anyone? 🤔

They do this because they assume a bit of existing debt means they can't get on the property ladder. This isn't always the case!

Our team works with dozens of specialist lenders who understand that life isn't always linear. They have a much more understanding view of debt than the average high-street lender.

We help clients with less-than-perfect credit find suitable options.

While the application changes a little, we've helped many in your shoes secure a mortgage.

We'll need some bits like payslips, bank statements, and proof that you're actively paying off your debt to get things started, and we'll sort the rest!

We do the application, research, and admin so you don't have to! 🙌

Let's chat about your options. 📞

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

Source: https://theintermediary.co.uk/2026/08/58-of-ftbs-rule-themselves-out-of-mortgages-before-applying-lloyds-finds/

That occasional football wager or betting on horses at the track might seem like a bit of harmless fun. 🤔However, lender...
30/08/2026

That occasional football wager or betting on horses at the track might seem like a bit of harmless fun. 🤔

However, lenders look closely at your bank statements for regular gambling transactions.

These can sometimes suggest financial red flags or affect affordability calculations in their eyes. 🚩

It's not about judgement, but about how they assess risk for your mortgage.

Our team understands how these things are viewed.

We can help you prepare your financial picture, offering guidance and finding suitable options that consider your whole situation.

We know how to find specialist lenders that understand more complicated cases!

Let's chat about your options. 📱

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

The biggest mistake many first-time buyers make isn't about saving enough, it's about waiting too long. ⏰You might think...
26/08/2026

The biggest mistake many first-time buyers make isn't about saving enough, it's about waiting too long. ⏰

You might think you need a massive deposit or completely sorted finances before talking to anyone.

That's a common misconception, and it could stop you from stepping onto the property ladder sooner.

Our team is here to help clear things up.

We can explain how much you could borrow, what kind of deposit you might need, and the suitable mortgage options available. 🏡

Even if you're not ready to buy today, an early chat helps us create a plan to strengthen your application and sort your AIP, so you know how much you could borrow!

Let's chat about your options. 📞

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

When your fixed mortgage rate comes to an end, it’s easy to slip onto your lender’s Standard Variable Rate without notic...
24/08/2026

When your fixed mortgage rate comes to an end, it’s easy to slip onto your lender’s Standard Variable Rate without notice. 🤔

This often means your monthly repayments go up, sometimes quite a bit. 💷

The good news is we can review your options up to 6 months before your deal ends.

This gives us enough time to properly search for a rate that suits you while giving you breathing room to deal with any changes in the market!

Our team is here to help you explore suitable options to avoid paying more than you need to.

Even if rates move again, we could switch your new deal to a lower rate before it completes.

Let's chat about your options. 📞

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

Thinking about solar panels or better insulation? It’s fantastic for your energy bills and the planet! 🌍But did you know...
23/08/2026

Thinking about solar panels or better insulation?
It’s fantastic for your energy bills and the planet! 🌍

But did you know some upgrades might even help you access better mortgage rates?

We have access to green mortgages which you could use to reduce your mortgage payments! You may also qualify for one if you're buying a new build, as they're often more energy efficient. 🤩

It's not just any upgrade though; some lenders are specific about what qualifies.

Swapping double glazing for triple might count, but a like-for-like replacement might not. Every lender has their own list, and checking it beforehand can save a lot of head-scratching. 🤔

That’s where we can help.
We analyse the different products, helping you understand the criteria and find suitable options for your next mortgage.

Let's chat about your options. 📞

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

Address

Stone Business Park Suite 5a, Kern House, Brooms Road
Stone
ST150TL

Opening Hours

Monday 9:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 9am - 4pm

Telephone

+441785594888

Website

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