Madeleine Newman-Curry - Mortgage Broker

29/10/2026

🏡 AUTUMN BUDGET: WHAT BUYERS NEED TO KNOW

💰 Your First Home Scheme

• Buy a qualifying new-build with a deposit as low as 2.5%
• Aimed at first-time buyers struggling to save for a deposit
• Government provides a 20% equity loan
• First 5 years interest-free on the equity loan
• Launching in 2027, so we don’t have any set criteria or participating lenders just yet

💷 New First-Time Buyer ISA

• Set to replace the Lifetime ISA
• Expected to launch in April 2029
• More details on the savings limits and bonus still to come

🏦 Lifetime ISA changes

• Withdrawal penalty reduced to 20% for eligible buyers purchasing above the £450k property price cap

The takeaway?
There’s help on the way for first-time buyers - watch this space 👀

26/10/2026

It’s a bit of a mixed bag. Affordability is still stretched and the housing market is quieter than hoped, but some lenders are starting to sharpen their pencils again - we are seeing a number of rate decreases. If you’re buying or remortgaging, don’t assume every lender is moving in the same direction - it’s worth checking the options available to you.

12/10/2026

08/10/2026

✨Adverse credit mortgages hit highest level since 2008✨

• Adverse credit can include: missed payments, defaults, CCJs, debt management plans, IVAs, bankruptcy.

• Obtaining a mortgage with adverse credit IS possible, even with a low deposit (in some cases as little as 2%).

• The level and date of the adverse credit will determine what’s applicable for you.

• Adverse credit is nothing to be embarrassed about - life happens 🤷‍♀️

If you want to know what’s possible for you, I’m your gal 👋

📞 07308 791 797
📧 [email protected]

*For information purposes only. Your home may be repossessed if you do not keep up repayments on your mortgage.*

02/10/2026

FIRST-TIME BUYERS — STOP DOING THIS 👀

Waiting for mortgage rates to fall before even checking what you can borrow.

Why?

Because rates are only ONE part of the equation.

Your income.
Your deposit.
Your credit history.
Your monthly commitments.
The property price.
The mortgage product.

All of these matter.

Find out what you can actually afford first. THEN make your decision.

DM or WhatsApp (07308 791797) me - "help" for more information.

28/09/2026

The mortgage market remains changeable, with rates moving in both directions depending on the lender and product. For anyone buying or remortgaging, reviewing options early and keeping in touch with a broker is particularly important.

24/09/2026

🚨ChatGPT & Mortgages = Avoid🚨

ChatGPT, or other AI models, absolutely have their role. I call mine Brian and he helps with all sorts of queries! BUT, when it comes to mortgages, it's best to take your advice from an actual human being.

Here's why:

- Saturn (a financial technology firm) recently ran a test on 18 AI models
- 10,000 questions were asked to said models
- 57% of answers given were incorrect (this may not seem like a lot, but are you willing to take a 50/50 bet on your future?)
- Some models failed up to 99% of complex queries 😮

"Robots" have their purpose, but I'd highly recommend sticking to the flesh-suit wearing, i.e. human, mortgage brokers for accurate advice 👋🏻

I'm here for any questions, small or big, at any time - there is NO such thing as a stupid question!

Feel free to DM me or I'm available via WhatsApp - 07308 791 797

22/09/2026

For those wanting to know a little more about me, you now can:

I’m Madeleine (or Madi, whichever you’d prefer) a no-nonsense, straight-talking mortgage adviser who believes mortgages shouldn’t feel like a walk through Jurassic Park!