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

House of Mortgages Ltd

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House of Mortgages Ltd

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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 most 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

02/11/2026

Lenders look at self-employed income in different ways. 🔎

Some want to see two years of accounts; others will work with just one. It depends on whether you're a sole trader, a company director, or a contractor.

Lower or up-and-down income doesn't mean the door is closed. It just means you need a lender whose criteria fits how you actually get paid.

We'll help you get your paperwork sorted, work out what lenders will want to see, and find options that suit your situation. 📃

Speak to us when you're ready to get started. 📞

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

30/10/2026

That's a huge number when you think about how many of us rely on our wages to cover rent, mortgage payments and everyday bills. 🫣

81% of workers without cover are renting or paying a mortgage. Nearly half have children under 17 depending on that income too.

One in five full-time workers has gone through a stretch without their usual pay because they couldn't work. That's not a small risk; it's something that could derail your livelihood!

Income protection could provide you with a monthly income to help you pay the bills

We can walk you through how income protection works, what it might cover, and how it could sit alongside your budget and any workplace benefits you already have.

Speak to us about how it works today

Source: https://theintermediary.co.uk/2026/10/only-16-of-full-time-workers-have-income-protection-cover-shepherds-friendly-finds/

28/10/2026

The big announcement from today's Autumn Budget is that the Your First Home Scheme, in England, has officially been confirmed! ✅

We mentioned this a few weeks ago, but it's now official!

The scheme is designed to help more people get onto the property ladder.

Eligible first-time buyers could purchase a new-build home with just a 2.5% deposit, alongside a 20% government equity loan that's interest-free for the first 5 years! 🏡

Applications aren't open yet, but pre-registration will open before the end of 2026, with applications expected to open in February 2027 📆

Pre-registering won't commit you to purchasing, but will help you understand your eligibility and local property price limits.

You can read more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

There's also news about a new First Time Buyer ISA!

The Government is planning to introduce a new, simpler savings account to help first-time buyers save towards their first home.

It's intended to replace the Lifetime ISA for new savers, although existing Lifetime ISA holders will still be able to continue saving under the current arrangements.

There's no confirmed launch date for the new ISA yet, but we'll keep you updated!

It's great to see some positive announcements for first-time buyers! 🤩

If you're planning to buy your first home, we can help you understand these changes, explore your mortgage options and prepare for your purchase 🏡

Get in touch today!

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

26/10/2026

Turns out the deposit isn't what keeps most first-time buyers up at night.

51% say it's the legal and admin side that worries them more 😅

That's why we take the mortgage admin off your plate. 🤩

From getting your Agreement in Principle (a document showing how much a lender might lend you) sorted, to researching options and submitting your application, we talk you through each step so you're never left wondering what happens next. 📃

Buying your first home should feel exciting, not overwhelming.

Speak to us and let's make the process feel a lot more manageable 🏠

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

Source: https://theintermediary.co.uk/2026/10/homebuying-process-overtakes-deposit-as-biggest-ftb-concern-tembo/

25/10/2026

Your mortgage renewal date isn't something to ghost. 👻

Miss it, and you could roll onto your lender's SVR (their standard variable rate). That's usually much higher than what you're paying now, and it could cost you hundreds more each month. 💷

Scary stuff.

Here's the treat, though. We can start looking for new deals up to 6 months before your renewal date, so you're never left trick-or-treating with your finances. 🎃

And if rates drop after we've secured you a deal? We could still switch you to a lower one before everything completes.

Speak to us before your renewal date creeps up on you. ☎️

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

21/10/2026

Nearly HALF of solo mortgage buyers skip this vital step! 🤯

It's true, almost 49% of people buying a home on their own don't think about income protection.

But what happens if you can't work? Your mortgage payments, bills, and everyday costs don't stop.

Income protection is designed to pay out a portion of your salary if you're unable to work due to illness or injury.

It's a safety net that gives you peace of mind, so you can focus on getting better without financial worries.

Let's make sure you're covered

Source: https://theintermediary.co.uk/2026/02/49-of-solo-buyers-take-out-mortgages-without-income-protection-zurich/

19/10/2026

The clocks go back this weekend, and that spare hour is yours. ⏰

Most of us will spend it in bed. No judgement here.

But that hour could also be the moment you finally sit down and look at your mortgage. 🔎

When did you last check if your rate still suits you?

Or whether there's something out there that fits your situation better?

It doesn't take long to find out. Just one hour, maybe even less. ⏱️

Speak to us this week and we'll walk through your options together. 🏡

That extra hour might be worth more than you think.

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

18/10/2026

Think you need a massive deposit to buy a home? Think again. 🏡

Some mortgages are available with as little as 2% deposit, and in certain circumstances, even 0%.

Of course, a smaller deposit usually means a higher loan-to-value (LTV). That's the amount you're borrowing compared to the property's value, and it can affect the rates on offer.

But deposit size isn't the whole story. Your income, affordability, and personal circumstances are all important pieces of the puzzle. 🧩

If you've got a small deposit, that doesn't mean waiting years is your only option.

It's worth looking at the full picture: the rate, the fees, and what your monthly payments would actually look like. 🔎

Every lender has different criteria, so what works for one person might not work for another.

Close to having a deposit but not sure if it's enough? Speak to us before assuming you need more time. 💬

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

18/10/2026

🎉🏡 EXCITING NEWS – OUR TEAM IS GROWING! 🏡🎉

We’re absolutely delighted to welcome John, Mortgage Adviser to our growing team! 🙌💥

It’s such an exciting time for us, and we couldn’t be happier to have another fantastic addition on board! ⭐

With more expertise, more passion and even more dedication to helping people achieve their property dreams, the future is looking brighter than ever! 🏡🔑

Please join us in giving our newest team member a HUGE warm welcome! 🥳👏

MortgageExperts

18/10/2026

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

https://houseofmortgages.net/

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