Kate Lott - Mortgage Adviser - North Devon

21/08/2026

Don’t leave your mortgage until the last minute 🏡

Did you know you can start reviewing your mortgage 6 months before your fixed rate comes to an end?

Starting early gives us plenty of time to regularly review the available rates and keep an eye on the market, helping us secure the best possible rate available to you when the time is right.

There’s no need to wait until your current deal ends — getting organised early could give you more options and greater peace of mind. 🙌

📅 If your fixed rate is ending within the next 6 months, now is the perfect time to get in touch.

📞 Get in touch today and let’s make sure your next mortgage deal is one you’re happy with.

12/08/2026

🏡 First-Time Buyers – This Could Be Your Opportunity

If you've been waiting for the "right time" to buy your first home, the market is looking much more favourable for buyers.

✔️ More homes to choose from
✔️ Less pressure to make rushed decisions
✔️ More room to negotiate with sellers
✔️ A better chance of finding a home that fits your budget

Buying your first home can feel overwhelming, but you don't have to figure it out alone.

The best place to start is knowing what you can afford. Getting your mortgage arranged before you start viewing puts you in a much stronger position when you find the right property.

If you're wondering whether you're ready to buy or want to understand your options, I'm here to help. Send me a message for a friendly, no-obligation chat.

Your first home could be closer than you think. 🔑

15/07/2026

Is your mortgage rate due to expire in the next 6 months?
Don’t wait to review it just in case rates go down ⬇️

If we secure a new rate now, every time the lender reduces them I can amend your offer

Also if rates increase you have the peace of mind knowing you are fixed into a competitive rate already.

It’s a no brainier!

Pop me a DM for a no obligation chat 💬

30/06/2026

I have the best clients 🥰 I love helping people into their new homes🏡 it’s the best part of my job!

09/06/2026

02/06/2026

🏡 Thinking About Remortgaging? It Could Do More Than You Think

Remortgaging isn’t just about getting a better rate — it can be a powerful way to **unlock money from your home** and put it to good use.

Whether your current deal is ending or you’re simply exploring your options, now could be the right time to review.

🔑 Common Reasons to Remortgage & Raise Capital:

💳 Consolidate existing debts

Bring credit cards, loans, and other commitments into one **simplified monthly payment**.

🛠️ Fund home improvements

Planning an extension, new kitchen, or renovation? Use your equity instead of high-interest borrowing.

👨‍👩‍👧 Support family

Help children onto the property ladder or support loved ones financially.

📉 Secure a better rate

Your current deal may no longer be competitive — switching could **reduce your monthly payments**.

💼 Invest in opportunities

Some clients raise funds to invest in property or business ventures.

⚠️ Things to keep in mind

* Your mortgage is secured against your home
* Extending your term may increase total interest paid
* Not all options are right for everyone — advice matters

🤝 How I can help

As a mortgage broker, I’ll:

* Review your current situation and goals
* Explore whether remortgaging and capital raising makes sense
* Search across lenders to find suitable options
* Guide you every step of the way

📩 Let’s have a chat

If you’re curious about what’s possible, get in touch for a free, no-obligation review.

*Your home may be repossessed if you do not keep up repayments on your mortgage.*

08/05/2026

A lot of completions for us over the last 7 days! This means that we have helped lots of families move into their dream home
🏡
It's the best feeling in the world and that is why I love my job 💕

If you want to talk about moving or your first purchase, please reach out.
I'm always happy to chat 💬

28/04/2026

Buying a home can feel overwhelming… and honestly, that’s completely normal 🏡

From deposits and decisions to paperwork and timelines, it’s easy to feel like there’s a lot to figure out. But the good news? You don’t have to navigate it alone.

With the right guidance, the process becomes clearer, more manageable, and even exciting. Whether you're a first-time buyer or stepping back into the market, having someone by your side to explain each step can make all the difference.

If you’re feeling unsure about where to start, I’m here to help make things simple, straightforward, and stress-free.

Your dream home is closer than you think ✨