Paul Oliver - My Mortgage Gateway

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Paul Oliver - My Mortgage Gateway

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I have been working as a self employed mortgage adviser with Mortgage Advice Bureua for over 5 years now and have a wealth of experiance to not only help my cients find the best deal available to them, but also help protect their future

02/11/2026

Bad credit doesn’t automatically mean no mortgage.

There are specialist lenders who work specifically with people who've had credit issues. Missed payments, defaults, even bankruptcies. There are options available.

The rate will usually be higher, and you'll typically need a bigger deposit. But "can't get a mortgage" isn't accurate for most people.

The longer it's been since the issue, and how you’ve handled things since, the more options open up. It’s not a permanent situation. It gets easier over time.

If you've been written off, get a second opinion.

01/11/2026

A lot of people leave their remortgage until the last minute. Then they end up rolling onto the lender's standard variable rate while they sort it out, which is usually the most expensive option going.

But you can lock in a new deal up to six months before your current one ends. That means you can secure today's rates, and if rates drop before your new deal starts, you can usually swap to a better one before completion.

Six months feels early but it's the safer move.

If your deal ends before the end of the year, now's a great time to get the ball rolling.

📞 07816 826761
📧 [email protected]

31/10/2026

A lot of first time buyers think they’re not ready because they don't understand the process well enough.

Here's the thing: you don't need to understand every step before you start.

In half an hour I can walk you through the whole thing. What you need, what to expect and what it actually costs.

Then you can decide if you're ready. Give me a call to find out more.

📞 07816 826761
📧 [email protected]

30/10/2026

Something worth knowing if you own a home or are thinking about buying one.

Some lenders now offer a green mortgage, with better rates for properties with a good EPC rating.

If your home is currently rated C or lower, improvements like solar panels, or upgraded insulation could bring that rating up. A better EPC rating on your next remortgage could mean a noticeably better deal.

Good for the environment. Potentially good for your monthly payment too.

Give me a call and we can look at whether it makes sense for you.

📞 07816 826761
📧 [email protected]

29/10/2026

If you bought your home a few years ago and haven't looked at your mortgage since, something's probably changed that's worth knowing about.

Your equity has probably grown. And more equity means a lower loan to value, which means you might qualify for a better rate now than when you first took it out.

If you want to see if your equity has grown, give me a call on 07816 826761 and we can check.

28/10/2026

Saving for a deposit while paying rent is one of the hardest parts of getting onto the ladder. Most people know that. What's changed is how many options there are now for people who don't have a huge chunk saved up.

5% deposit mortgages are widely available. Some lenders will now consider no deposit at all if you've got a solid rental history. And one of the newer options on the market lets you buy with a flat £5,000 deposit.

If you want to find out which low deposit options are available for your circumstances, give me a call on 07816 826761.

27/10/2026

The lowest rate isn't always the cheapest mortgage.

I know that sounds odd but stay with me.

There are fees that sit on top of the rate and they matter more than people think. A £999 arrangement fee added to your mortgage doesn't cost you £999. By the time interest is added over the term it's closer to £1,700.

We’ll work out the real cost of every deal before we recommend it.

📞 07816 826761
📧 [email protected]

26/10/2026

Your credit report might have an error on it right now and you'd have no idea.

It's more common than people think. Old addresses that were never updated, joint accounts from years ago, a missed payment that's stuck around longer than it should.

Before you apply for a mortgage it's worth checking. Credit Karma, Clearscore and MSE Credit Club are all free to use and between them cover all three credit reference agencies. If something shouldn't be there it can be disputed and removed before any lender sees it.

Address

Opening Hours

Monday	09:00 - 18:30
Tuesday	09:00 - 18:30
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00
Sunday	09:00 - 18:30

Website

https://www.mymortgagegateway.co.uk/

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