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).

Live where you love.Town or country, coast or city. Close to family or somewhere completely new.Where you live matters. ...
31/08/2026

Live where you love.
Town or country, coast or city. Close to family or somewhere completely new.

Where you live matters. So, where do you choose?

Let’s figure out together how we can make it happen for you ❤️🙋🏻‍♀️.

Our office is just off Fore Street in crazy, warm, historic Topsham.



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.

Over 55? Don’t assume your mortgage options are disappearing.If you’re in your 50s or 60s, it’s easy to assume that gett...
26/08/2026

Over 55? Don’t assume your mortgage options are disappearing.

If you’re in your 50s or 60s, it’s easy to assume that getting a new mortgage, or taking one over a longer term, is going to be difficult purely because of your age.

All is not lost! Read on

Lenders have different criteria around maximum ages, mortgage terms, retirement income and how affordability is assessed when a mortgage runs into retirement.

We’d want to understand when you plan to retire, what your income is likely to look like then, how much you want to borrow and what you’re trying to achieve.

Your age is part of the picture, but it isn’t the whole answer. The useful bit is finding the lenders and options that fit your individual circumstances.

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.

When it’s bad news for sellers, let’s look at the opportunity for buyers.New asking prices fell by 2% in August, which i...
17/08/2026

When it’s bad news for sellers, let’s look at the opportunity for buyers.

New asking prices fell by 2% in August, which is the biggest August drop since 2018. But here’s the bit we’re interested in as mortgage brokers.

If you’re buying and the price of a property comes down, don’t just think about the money you’ve saved on the purchase. Think about what it does to your mortgage.

👉 Say you were buying for £400,000 with a £40,000 deposit.
👉 That’s a 90% mortgage.
👉 If you negotiate the property down to £390,000 and keep your £40,000 deposit in place, your loan-to-value falls too.
👉 And sometimes moving into a lower LTV bracket can open up different mortgage options or rates.

It won’t work like that in every case – mortgage pricing bands and lender criteria vary – but it’s worth doing the sums 🤔 before deciding what to do with the saving.

💡 A lower house price could change more than the price you pay.

If you’re buying at the moment, let Pointers look at the whole picture before you decide what mortgage works for you.

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.

What would you do? Imagine...🔔 Your mortgage deal ends in October.💰 You owe £240,000 with 18 years left to run.You’re of...
10/08/2026

What would you do? Imagine...

🔔 Your mortgage deal ends in October.
💰 You owe £240,000 with 18 years left to run.

You’re offered:
A. 2-year fix – slightly cheaper today
B. 5-year fix – costs a little more, but gives you certainty
C. Tracker – currently more expensive, but would fall if Bank Rate falls
The Bank of England has just held the Bank Rate at 3.75%.

🤔 You think rates could fall, so the 2-year fix feels like the obvious choice.
But then you tell us you’re hoping to move in three years.

Now we’re looking at it differently.

👉 What are the early repayment charges on that 5-year deal?
👉 Can the mortgage be ported – and what happens if you need to borrow more when you move?
👉 Does the tracker have an early repayment charge?
👉 How much would the Bank Rate actually need to fall before the tracker works out cheaper than fixing?
👉 And if you take the 2-year deal, what will it cost to remortgage again in two years? There’s the valuation, legal costs as well as the rate available at the time?

When we work with you to secure the mortgage you need now, we start with what you’re likely to do next. Then we get to work 🏃‍♀️‍➡️

Want to chat to an expert ☎️?



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.

We must be doing something right! 🕺 Did you know our average customer rating is 99.7%? Getting someone through the mortg...
04/08/2026

We must be doing something right! 🕺
Did you know our average customer rating is 99.7%?

Getting someone through the mortgage process is one thing, but looking after them every step of the way, is a very different story.

Huge thanks to the team! 🙌 Whoop! Whoop! And yes, even the Pointers dog 🐕 is doing a happy dance!

Ok, who’s your money on? Who would you lend to?👉 A GP who has recently become self-employed.👉 A couple earning over £90,...
27/07/2026

Ok, who’s your money on? Who would you lend to?

👉 A GP who has recently become self-employed.

👉 A couple earning over £90,000 a year, but paying £2,000 a month in nursery fees.

👉 A 70-year-old business owner with a healthy income, a substantial pension and no plans to retire.

On paper, they could all be perfectly capable of repaying a mortgage. Yet each has circumstances that don’t fit the traditional lending mould.

The way we live and work has changed enormously over the last decade. More people are self-employed, have multiple income streams, significant student loan and childcare payments or work beyond retirement age.

🙌 That’s why it’ll be interesting to see how the Financial Conduct Authority (FCA) review parts of the mortgage rulebook. Its consultation closes this week, with proposals that could give lenders more flexibility when assessing affordability, while maintaining responsible lending.

So...should someone be judged purely on how neatly their finances fit a traditional application form, or on their overall ability to afford a mortgage? 🤔

At Pointers, we specialise 👊 in helping people with circumstances that don’t quite fit the old tick-box approach.

Your ‘unconventional situation’ may be our new normal! Let’s talk! ☕️



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.

Thinking you’re too old for a mortgage? Think again 👊.Newcastle Building Society has removed the upper age limit at the ...
22/07/2026

Thinking you’re too old for a mortgage? Think again 👊.

Newcastle Building Society has removed the upper age limit at the end of its standard repayment mortgage terms.

With more people working for longer and borrowing later in life, lenders are increasingly looking at affordability and individual circumstances rather than simply age.

‼️ And get this! UK Finance reports a 33.5% increase in mortgages for borrowers aged 55+, showing this is a growing part of the market. This helps us offer better 💡 solutions and give clients more time to repay with greater flexibility for complex financial needs.

Don’t forget, we love a good chat ☕ ! Always pick up the phone or drop us an email and we can brainstorm your mortgage issues and get that purchase underway! 

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.

 
Newcastle Building Society

🛎️ We’re just going to say it. The D-word. Deposit. Is the pressure 😳 of raising it stopping you get on that housing lad...
13/07/2026

🛎️ We’re just going to say it. The D-word. Deposit. Is the pressure 😳 of raising it stopping you get on that housing ladder? We feel your 🤪frustration!

So, how about the latest 100% 🔑 mortgage from Metro Bank? No deposit needed but a firm commitment from a family member.

🔑 Metro Bank has launched a family-supported option that could help some buyers purchase without a deposit.

There are 3 key points:
🐕 Family support is required.
A close relative joins the mortgage to help with affordability.

🐕 They don’t own the property.
The buyer is the sole owner, but both are responsible for repayments.

🐕  It’s not for everyone.
 Both parties need to fully understand the risks before proceeding.

The mortgage market is constantly 🤪 evolving, and lenders continue to introduce new ways to help people buy a home. Know 💡 the pros and cons of everything available to you: it can be the difference to being in your home in 6 months or in 6 years. Which is it to be? 🤔

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.

Metro Bank

🎉 Happy 1 Year, Helen! 🩵Today we're celebrating Helen, who's been part of the Pointers Financial team for one whole year...
07/07/2026

🎉 Happy 1 Year, Helen! 🩵
Today we're celebrating Helen, who's been part of the Pointers Financial team for one whole year! 🥳
Thank you for all your hard work, your positivity, and the care you give to our clients every day. We're so lucky to have you on the team!
Here's to an amazing first year and many more to come. Happy work anniversary, Helen! 🎉✨

Have you met LISA yet? She’s lovely! She is the Lifetime ISA that’s ideal if you’re saving for your first home. But you’...
03/07/2026

Have you met LISA yet? She’s lovely! She is the Lifetime ISA that’s ideal if you’re saving for your first home. But you’ve got to be quick!

The Government is currently consulting on plans to replace the Lifetime ISA with a new First Time Buyer ISA, so there’s understandably been a lot of confusion.

You may have seen for example Martin Lewis, The Money Saving Expert reassuring first-time buyers on social media that, if you’re eligible, it’s still worth looking at a Lifetime ISA.

Existing Lifetime ISAs aren’t disappearing, and if you open one before the new product launches, you’ll still be able to keep contributing to it under the current rules.

A few things to remember:

🕺 You must have had your Lifetime ISA open for at least 12 months before you can use it towards buying your first home.

🕺 You can save up to £4,000 each tax year, with a 25% Government bonus.

🕺The proposed replacement product is still being consulted on, so some of the key details haven’t yet been confirmed.

🕺 If buying your first home is on your radar over the next few years, the message is....get organised!

And if you need to talk 📞 anything through about how much deposit you might need and other concerns, you know where we are!

Martin Lewis

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

Website

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