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Laura Thompson- Mortgage and Protection

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Thornton-Cleveleys
Laura Thompson- Mortgage and Protection

Thompson Mortgage Brokers. Award Winning Mortgage Brokers, Covering the whole of the UK

01/11/2026

I hope everybody had the best Halloween weekend! We did 🎃 i have got a busy week ahead mortgage wise but still a couple of availability for mortgage appointments 🧙‍♀️

25/10/2026

I am now back from Benidorm! Thank you to all my clients who have been super patient whilst I have been away for 4 days. I usually take my laptop with me, but I decided for this holiday it best stay at home 🍹💻😄 On our last day we hired electric bikes and rode to the top of the Serra Gelada Natural Park that was 217 meters above sea level to see the La Cruz ( the cross) of Benidorm. Loved it. I am back in the office from 9am tomorrow, I have two mortgage applications to submit and a few mortgage enquiries to get through, but open as usual. Have a lovely Sunday 💨

12/10/2026

I haven’t posted in a while because the last month has been really busy! I have submitted 3 applications last week for people facing eviction, and over 6 enquiries from tenants panicking because their landlords are selling up.

So I wanted to share a few things you might not know…

DID YOU KNOW?

Some lenders offer 100% mortgages with ZERO DEPOSIT!

Some lenders accept deposits gifted by family or even friends.

Some landlords may gift equity to help tenants buy their home.

You may be able to buy with a deposit as little as £5,000, depending on the property and lender criteria.

If your landlord is selling, you're worried about your next move, or you dream of owning your own home, please don't assume you can't!

Please share — this information could really help someone! 🏡💗

03/09/2026

Coventry BS have now announced they are lending 6.5x income for first-time buyers only! This is well above the standard 4-4.5x that most lender are offering.

So many buyers don't realise borrowing power has improved, and still assume deposit is the only barrier. In fact, 27% of prospective buyers still say deposit is their biggest hurdle, but this shows affordability is shifting too.

📋 Key facts:

• Up to 6.5x income for eligible first-time buyers

• Available up to 95% LTV

• Minimum income: £30,000 (sole) or £50,000 (joint)

• Only available via a mortgage broker

• New-build LTVs also increased: up to 95% on houses, 85% on flats (owner-occupied)

13/08/2026

I had a client on the phone to me in tears today after an estate agent told them they couldn’t view a property unless they spoke to the agents in-house broker first.

This is not acceptable. Estate agents should not be making you feel pressured into using a particular mortgage broker as a condition of viewing a property.

You are entitled to choose your own mortgage adviser and should never feel bullied or pressured into using someone you don’t want to use.

If this happens to you, don’t be bullied into it. Ask the agent to confirm this in writing- then show me ⭐️

And remember — you are in control of who you use for your mortgage. 🏡❤️

I find this so annoying theres work out there for everybody 👩‍💼

23/07/2026

Saved £5k? That could now be enough for your first home ‼️

Leeds Building Society has just launched its brand new Start Mortgage.

Here’s what you need to know 👇

• Deposit from just £5,000 (that’s a 2% deposit!)
• Borrow up to 5x your household income
• Minimum household income £30,000
• Maximum loan £500,000
• No completion fee + free standard valuation
• Self-employed? Accepted ✔️
• Gifted deposits? Accepted ✔️

Is this something that interests you?

03/07/2026

A very sad day for me today. I spend so much of my time helping and reassuring my clients through every step of their journey, yet today I’ve found myself needing that same reassurance.

After 11 years of raising my daughter here on my own, my home completed this morning. A place filled with so many memories, laughter, tears, and milestones. I’m grateful it’s gone to a lovely family who will make their own special memories here too. Feeling very numb today ❤️

22/06/2026

Starmer Quits! 🇬🇧

What do you think this means for the mortgage market?

We are not sure yet if this will have a positive or negative impact on interest rates- but there is nothing stopping you from looking at your options now!

Andy Burnham could be the next PM, and if he does- he has plans to abolish stamp duty 🤞He has also spoke about getting rid of council Tax and replacing it with Land Value Tax.

What are your thoughts? 💭

27/05/2026

Hope everyone is enjoying the kids’ holidays! ☀️🐄

I blocked out my diary today to take Millie to see the cows at Malham Cove — nice day out! And of course did my 15K steps!

It is never a quiet one though… I’ve still had 6 enquiries come through today, which I’ll be working on over the weekend and into next week. 📞🏡

The good news is rates are still coming down, first-time buyer incentives are very really strong atm, the sun is shining… honestly, it’s a great time🔑✨

18/05/2026

Did You Know You Can Still Get a Mortgage with Bad/ Adverse credit?

Every day I help people who thought homeownership was impossible because of CCJs, defaults or missed payments.

Adverse credit doesn’t always mean No mortgage.

In many cases, you may only need a 5% deposit.
Please don’t assume you can’t buy a home without speaking to someone first 🏡

When clients come to me with adverse credit, and if I cannot help them there and then, I will always write them a to do list and a plan on what to do next to get them mortgage ready. I aways give saving tips too.

Even if you believe you are not ready now its always worth a chat so I can point you in the right direction.

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