Pointers Financial

Pointers Financial Local, independent and award winning fee free mortgage advice.
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Pointers Financial is an Appointed Representative of New Leaf Distribution Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 460421).

😳 Pulling out of a house purchase could soon come with a financial penalty ‼️ The Government is exploring changes to the...
22/06/2026

😳 Pulling out of a house purchase could soon come with a financial penalty ‼️

The Government is exploring changes to the home-buying process that could see buyers and sellers enter into binding agreements much earlier than they do today.

The aim is to reduce the number of sales that fall through 🙌🙌

At the moment, around ONE IN FOUR property transactions collapse before completion, often leaving both parties out of pocket after paying for surveys, legal work and other costs.

While the details are still being worked through, the proposed changes are designed to bring greater certainty to the process and give buyers and sellers more confidence that a transaction will actually complete.

Whatever happens, one thing won’t change: how you prepare to buy matters🕺🏽.

Making sure your finances are in order, understanding your borrowing options and securing the right mortgage advice early can help put you in the strongest possible position when the right property comes along.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Lucky enough to have a ‘family and friends’ discount on your next property?Buying a property from a family member, landl...
09/06/2026

Lucky enough to have a ‘family and friends’ discount on your next property?

Buying a property from a family member, landlord or someone you know? If they are keen to sell below market value to give you a special 💃🏻 I-really-like-you 🕺🏽 discount, this has potentially a DOUBLE 🤩 benefit!

Some lenders may allow the difference between the property’s value and the price you’re paying to be used as equity in the property, potentially reducing the deposit you’ll need to contribute yourself. 

LESS DEPOSIT TOO! Wowza! 😮

Thinking more about buying from someone you know?

Have we got you thinking?

Maybe it’s time to bake your landlord a cake 🍰 and start shmoozing! 

Let us know how you get on! 🤔

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Deposit ✅ Mortgage ✅ Legal Fees ✅ Stamp Duty... wait, what? 😩One of the biggest surprises for many first-time buyers isn...
02/06/2026

Deposit ✅ Mortgage ✅ Legal Fees ✅ Stamp Duty... wait, what? 😩

One of the biggest surprises for many first-time buyers isn’t the mortgage.
It’s that flippin’ Stamp Duty bill.

Since the rules changed in April 2025, buyers now start paying Stamp Duty on properties above £300,000 rather than £425,000.

For some buyers, that’s meant finding thousands of pounds they hadn’t budgeted for.

The monthly payments may be affordable, but the upfront costs can still catch people out.

It’s one of the reasons we encourage buyers to talk to us early, before they start viewing properties.

Knowledge is power. When you know more, you know more! You can get organised, plan and still get that house purchase over the line.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Shut the front door! Our friends at NatWest have done it again. Last week, NatWest increased their maximum loan to incom...
27/05/2026

Shut the front door! Our friends at NatWest have done it again. 
Last week, NatWest increased their maximum loan to income for joint applicants earning £150,000+, with access to up to 6.5x income at 75% Loan to Value (LTV) or less. YES, you read that right 🙃

 👉 6.5 x your joint income 👈

This is Natwest’s fourth Loan-to-income enhancement this year! So, what are you waiting for? 🏃‍♂️‍➡️

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

19/05/2026

Did you know, you can buy a property with a just a £5k deposit?

Halifax has launched a new £5k Deposit Mortgage, aimed at helping first-time buyers onto the property ladder with just a £5,000 minimum deposit. The scheme offers up to 98% LTV on properties up to £300,000.

This has just launched and it’s already keeping us super-busy!

Time to go house-shopping? 🛍️

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Good signs appearing! 📣. Both Nationwide and NatWest have this week reduced their product ranges. This signifies that le...
12/05/2026

Good signs appearing! 📣. Both Nationwide and NatWest have this week reduced their product ranges. This signifies that lenders are becoming more competitive again. Nationwide’s rates have been reduced by up to 0.36%.

If you’d like to be one of the first to know what’s happening in the mortgage market, we can add you to our Weekly Bulletin mailing list straight to your inbox. Just ping us!

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Trying to make the maths work to secure a mortgage?Nationwide, amongst other lenders, can now offer based on 6 TIMES an ...
07/05/2026

Trying to make the maths work to secure a mortgage?

Nationwide, amongst other lenders, can now offer based on 6 TIMES an income to employed and self-employed clients. That’s a move away from the old 4.5 times income.

With property prices being higher in some areas, buying becomes easier for many people.

Does that change your plans for the better? 🤞

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Pointers were out and about last week joining the New Leaf Distribution Pub Tour in Bristol 🍻. Thanks to Jo Pawson and c...
27/04/2026

Pointers were out and about last week joining the New Leaf Distribution Pub Tour in Bristol 🍻. Thanks to Jo Pawson and co for organising it.

A nice change from zoom conversations and calls!

Always useful to catch up with people in the industry, talking mortgages (funny that!), protection and current affairs. A chance to share ideas without a Teams link in sight!

Good people, relaxed setting, and plenty of chat. Apologies if Mercedes and Jim didn’t get a chance to chat to everyone there. Will catch you next time! 🕺🏽

Looking to buy a new build? We have good news! 🙌 Have you heard of the Own New Scheme? It’s the initiative introduced ...
21/04/2026

Looking to buy a new build? We have good news! 🙌 Have you heard of the Own New Scheme?

It’s the initiative introduced for new build purchases to allow developers to reduce your mortgage. Previously there was a deduction from the scheme operator,  but now Own New no longer deducts any fees from the builder incentive.

Which means……. 🥁

100% of the incentive now goes to the purchaser!

It is first used to reduce mortgage rate and monthly payments, with any remaining amounts paid as Own New cashback.

👉 Example: Average 2-year fixed rates across the wider market are now around 5.37% at 85% LTV.

Through Own New, someone can currently access rates from 2.26% at the same LTV, with 100% of the builder incentive working for them.*

Time to go shopping for a new build?

Source: Ownnew.co.uk

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

newbuild ownnewscheme

Your property journey tells a 📖 story. Look at Helen, our Case Handler’s journey 👇A winding path across the UK from that...
15/04/2026

Your property journey tells a 📖 story. Look at Helen, our Case Handler’s journey 👇

A winding path across the UK from that first feeling of independence, changing relationships and locations, creating a second income and eventually finding a forever home. All whilst building wealth over her lifetime.
 
Helen 🙋‍♀️

1996 - 💰 Bought with ex-husband in Surrey
2004 - 🌊 Moved to the coast, rented
2006 – 👊 Divorced, bought first home on her own.
2009 – 🪜 Changed original home to a buy-to-let, and bought a second property.
2015 – 💍 Sold, moved back to her first with now husband.
2018 – ❤️ Bought forever home as a couple.

It may feel hard to get started, but property can create stability, a lifestyle and an income….It’s worth it ❤️.

Start dreaming and make a plan.

What will your property journey look like? 

Address

The Conservatory, 82 Fore Street
Topsham
EX30HQ

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+441392979331

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