Lesley Elsworthy - Mortgage Broker & Equity Release Specialist

22/10/2026

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳 Here are a few ways you could improve your credit score:
✅ Register on the electoral roll.
✅ Pay bills and credit repayments on time.
✅ Keep credit card balances low.
✅ Avoid making multiple credit applications in a short period.
✅ Check your credit report for any errors.

🏡 But what if your credit score still isn't quite high enough?
There's some good news!

I have access to a lender offering a specialist mortgage range called Reach, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

✨ Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

📩 Don't rule yourself out! Drop me a message and let's explore what's 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.

Send a message to learn more

08/10/2026

🏡 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.

Send a message to learn more

26/08/2026

🏡 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.

22/03/2026

Another lovely review 🥰

18/03/2026

📈 Mortgage rates spike…

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.

For anyone looking to buy, re-mortgage, or secure a new deal, keeping up with these changes can feel overwhelming.

This is where using a mortgage broker can really help 👇

🔎 Access to a wide range of lenders – not just the ones you see on the high street
📊 Up-to-date market insight – we keep track of rate changes as they happen
💡 Tailored advice – finding the most suitable deal for your personal circumstances
⏱️ Saving you time and stress – we compare options and handle the process for you

With rates changing regularly, having someone monitoring the market and guiding you through it can make all the difference.

If you're thinking about buying, re-mortgaging, or reviewing your current deal, now is a good time to speak to a broker.

📩 Feel free to message me to explore your options.



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.

09/02/2026

I often receive positive feedback but nothing has blown me away before until now - this feedback put a beaming smile on my face 😁over the weekend from a new client who was referred to me from one of my existing clients:

We’re happy to confirm that we’d like to go ahead with the mortgage deal you have sent over.
We should mention that this same deal was also offered to us by our previous mortgage advisor, whom we have always used, and at no charge. However, the level of service, expertise and support you’ve provided has genuinely stood out. Your manner in dealing with us throughout the process has been second to none, and you’ve made everything clear, straightforward and reassuring.
Because of this, we were very comfortable turning down that offer and are more than happy to proceed with you, including paying the fee.
We feel you’ve done a great job, and you’re exactly the kind of person we’d want to continue dealing with in the future

😍love my job