Dartmoor Financial

02/04/2026

Hey 👋

We're taking a couple of weeks to rest and recharge whilst the kids are off school.

Thanks to Mike Jones Mortgages for the image (yoink)

We'll catch up with all our enquiries when we return

Happy Easter break 😁

17/03/2026

Doing my bit for HLPartnership today in Bristol representing the panel and schmoozing with the other network representatives.

Fun 😊

26/02/2026

📢 Market Update: New Lifetime Mortgage Range Launched

This week, Canada Life has launched a new range of lifetime mortgages, including some discounted rates.

For homeowners aged 55+, the later life lending market continues to evolve — with changing rates, flexible drawdown options and product features designed to support different retirement plans.

However, rate headlines are only part of the story.

When reviewing later life lending options, it’s important to consider:

✔️ Early repayment charges
✔️ Inheritance protection options
✔️ Impact on state benefits
✔️ Whether a Retirement Interest Only (RIO) or traditional mortgage may be more suitable

Lifetime mortgages are not right for everyone, and exploring all options ensures any recommendation fits both current and future needs.

If you’d like to understand how these recent changes may affect you — or simply want clarity on your choices — we’re always happy to have a no-obligation conversation.

⚠️ A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration.
⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
⚠️ Lifetime mortgages are only available to those aged 55 and over and may affect eligibility to means-tested state benefits and the inheritance you leave.

💼 There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £498 to £798.
💼 A fee of £1,295 is payable on completion for equity release products.

Dartmoor Financial LLP is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

The Advantage range offers a discounted interest rate in return for a commitment to regular monthly interest payments.

23/02/2026

🥧 Melton… not just famous for pork pies anymore!

From 23rd February 2026, Melton Building Society will be offering 100% LTV mortgages nationwide.

That’s right — no deposit mortgage options now available across the country (subject to criteria).

For some buyers, especially those with strong affordability but struggling to build a deposit, this could open up new conversations.

Of course, 100% borrowing isn’t right for everyone. It’s important to understand:

✔️ The eligibility criteria
✔️ The long-term cost implications
✔️ The risks of borrowing at higher loan-to-values

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

Dartmoor Financial LLP is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority

12/02/2026

Mike Jones Mortgages (pictured right) came on a run today with Nicola from Livemore Mortgages and myself for our lunch break.

He's raising funds for charity as he works to doing a 10k run in May.

Here's his link if you'd like to show him some love

https://www.justgiving.com/page/mewstone-mike-for-hugs

11/02/2026

🏡 NEW 100% LTV FAMILY MORTGAGE – NOW AVAILABLE
Struggling to help a first-time buyer or home mover with a deposit? This could be worth a look 👇

A new Family Mortgage has been re-launched offering up to 100% Loan to Value, supported by family security.

🔎 Key Features:

✔ No application or product fees
✔ Up to 100% LTV (with 20% family security)
✔ Up to 5.33x income
✔ Maximum loan £750,000
✔ Up to 40-year term
✔ Purchase applications only
✔ Initial borrower deposit optional

👨‍👩‍👧 How does the family support work?

Family members can help in two ways (or a combination of both):
• Place savings into a Family Security savings account (earning interest)
• Allow a collateral charge over their property

The total security (plus any deposit) must equal 20% of the property value.

Security is held until the end of the fixed rate period (subject to conditions).

This could be a powerful option for families who want to help without gifting large deposits outright.

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

Dartmoor Financial LLP is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

06/02/2026

People often ask us who to use for mortgage legal work. If one of our local quality contacts are in the area then yes we're big fans of shopping local. That said... If they need specialist legal advice when considering a Lifetime Mortgage then the great team at Barton Law do a fantastic job AND carry out home visits as standard.

https://www.facebook.com/share/1CNDmH6i9C/

04/02/2026

Not me this year. Still wonderful to be a finalist at the British later Life lending awards AND it means I get to go to bed early. Congratulations to Mike from TERE 😊

04/02/2026

Lowest rates in town.