Tessa - Mortgage Adviser

Tessa - Mortgage Adviser First home? Remortgaging? Let’s make it stress-free. I help UK buyers secure mortgages with confidence – no jargon, just results.

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See LinkedIn for experience 👇🏽

http://linkedin.com/in/tessa-d-souza-kanabar-cemap-922b5193 With nearly 20 years of experience in the financial industry, I bring a wealth of knowledge and a passion for helping people find their dream homes. My journey began in 2004 with NatWest, where I climbed the ranks to become a branch manager over my 10-year tenure. During this time, I dabb

led in mortgage advice, sparking a new passion. After a year of traveling and reflection, I decided to dive fully into the mortgage industry, earning my CeMAP qualification independently. In 2016, I began my career as a mortgage and protection broker, quickly advancing to a mortgage partner with three promotions in just eight years. Along the way, I was honoured with multiple "Mortgage Broker of the Year" awards. What sets me apart is my commitment to going beyond just securing a mortgage—I’ll help you find your dream home, liaise with estate agents, and support you through every step of the buying process, from making offers to finally getting the keys. Having worked for one of the largest estate agency groups, I knew it was time to take my expertise and passion to the next level by becoming an independent, self-employed mortgage and protection adviser. Now, as a whole-of-market broker, I can truly offer personalised mortgage solutions that fit your unique needs. Whether you’re buying your first home, buying an additional property or re-mortgaging, I’m here to guide you through the entire process, making it as smooth and exciting as possible. Let’s make your dream home a reality


Areas of expertise:

• Home movers
• Re-mortgage
• First time buyers
• Bad credit
• Self employed
• Debt consolidation
• Buy to let

Three things lenders check that most people don’t know about Everyone knows lenders look at income and credit history.Bu...
08/06/2026

Three things lenders check that most people don’t know about

Everyone knows lenders look at income and credit history.

But here are 3 things that regularly surprise people:

1️⃣ How much of your credit card limits you’re using

Even if you make payments on time, high credit utilisation can impact affordability and how some lenders view risk.

2️⃣ The number of recent credit applications

Applied for a new credit card, car finance, or loan recently?

Some lenders will take a closer look.

3️⃣ Your dependants

Children and other dependants can affect affordability because lenders consider household expenditure, not just income.

The biggest myth?

That lenders only care about your salary.

In reality, they’re looking at the full picture 👀

Your home may be repossessed if you do not keep up repayments on your mortgage.

Sometimes You Just Have to Trust the JumpSharing my Dumbo sketch today.It actually got me thinking about something I see...
07/06/2026

Sometimes You Just Have to Trust the Jump

Sharing my Dumbo sketch today.

It actually got me thinking about something I see a lot with mortgages.

Buying a home can feel a bit like that moment when Dumbo first has to fly…
You’re nervous, you’re unsure, and you’re wondering if everything will actually work out.

There’s paperwork, numbers, decisions, and a lot of unknowns.

But once the right plan is in place, the right support is around you, and everything starts to make sense, that big scary jump suddenly feels a lot more manageable.

Most of the time, people are far more ready than they think they are.

Sometimes you just need to take the leap. 🐘

Happy Saturday ☀️🤍Hope you’re all having an epic Saturday filled with something you love doing.Today is actually my firs...
06/06/2026

Happy Saturday ☀️🤍

Hope you’re all having an epic Saturday filled with something you love doing.

Today is actually my first work free Saturday in a while 😅

It’s my niece’s birthday, so I’ll be enjoying some much needed family time.

I’m also having a little detox from alcohol for a while. To be fair, I don’t drink much anyway, but I fancied giving myself a bit of a reset 🍃

So let’s just say today might test my willpower more than some mortgage cases have 😂

Whatever you’re up to, I hope you’re having a great one and making the most of the weekend ✨

06/06/2026

Got a great mortgage rate and worried you’ll lose it when you move house?

You might not have to.

This is where porting a mortgage comes in.

Porting allows you to take your existing mortgage deal with you when you move to a new property, which can be really useful if you’re on a competitive fixed rate you don’t want to give up.

But there’s a common misconception…

It’s not simply a case of transferring the mortgage across.

Your lender will usually:

✅ Reassess your circumstances
✅ Carry out affordability checks
✅ Review the new property

And if you’re moving to a more expensive home and need additional borrowing, that extra borrowing will often be on a separate rate and product.

Porting can be a great option, but it’s important to understand how it works before making plans to move.

Your home may be repossessed if you do not keep up repayments on your mortgage.

NatWest boosts borrowing to 6.5x income 👀🏡Interesting update from NatWest for higher earning applicants.Eligible joint a...
05/06/2026

NatWest boosts borrowing to 6.5x income 👀🏡

Interesting update from NatWest for higher earning applicants.

Eligible joint applicants with a combined income of £150,000+ may now be able to borrow up to 6.5x income, up to 75% Loan to Value.

What could this mean?

✅ Increased borrowing power
✅ More property options
✅ Greater flexibility for some buyers

For example, a combined income of £150,000 could potentially support borrowing of up to £975,000, subject to affordability and lender criteria.

As always, income multiples are only one part of the assessment. Lenders will still consider affordability, credit profile, existing commitments and overall circumstances.

An interesting change that could help some higher earners maximise their borrowing potential.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Some mortgage cases stay with you forever 🤍🏡Full disclosure:🤍 No names mentioned🤍 My client was happy for me to share he...
04/06/2026

Some mortgage cases stay with you forever 🤍🏡

Full disclosure:

🤍 No names mentioned
🤍 My client was happy for me to share her story

This wasn’t just a mortgage application.

My client was going through a separation from her ex-partner and needed to navigate splitting the equity from their home.

She was employed, received child benefit, child maintenance, and had a decent deposit to put towards her next chapter.

But midway through the process, she suffered a death in the family.

Suddenly, the mortgage became the last thing she wanted to think about.

There were phone calls that weren’t really about mortgages.

Conversations where she just needed someone to listen.

Moments where she needed reassurance that everything would be okay.

And a few days ago…

✅ Mortgage approved.

The thing that meant the most wasn’t the approval.

It was when she told me:

“You weren’t just my advisor. You were someone I could talk to.”

She also said I was her saviour and that she honestly didn’t know how she would have got through the process without my help.

Sometimes this job is about far more than rates, lenders and paperwork.

Sometimes it’s about helping someone rebuild their life and giving them the confidence to start again 🤍

Your home may be repossessed if you do not keep up repayments on your mortgage.

03/06/2026

The 8 words every broker loves hearing 👀

“Thank God I found you as my broker.” 🤍

When a client said that to me recently, it genuinely stopped me in my tracks.

I always try to stay humble because there are so many great brokers out there.

But hearing that someone feels you’ve made such a difference to their journey means a lot.

The biggest compliment isn’t the mortgage offer.

It’s knowing a client felt supported, reassured, and looked after throughout the process.

I’m incredibly grateful for every client who trusts me.

And even more grateful that this client has already referred two people to me.

Thank you. It never goes unnoticed 🤍

Your home may be repossessed if you do not keep up repayments on your mortgage.

“Just tell me how much I need to earn and I’ll do it.”One of the most common things I hear from self-employed clients.An...
02/06/2026

“Just tell me how much I need to earn and I’ll do it.”

One of the most common things I hear from self-employed clients.

And honestly?

I get it.

When you’re employed, it’s simple.

Earn a salary.
Get a payslip.
Apply for a mortgage.

When you’re self-employed, it can feel like the goalposts keep moving.

One lender wants one thing.
Another wants something else.

So naturally the question becomes:

“Just tell me the number.”

But here’s the reality 👇

It’s rarely just about how much you earn.

It’s also about:
✅ how you earn it
✅ how it’s evidenced
✅ how long you’ve been earning it
✅ what’s left after expenses
✅ how the lender assesses it

The controversial truth?

Two business owners can earn exactly the same amount and get completely different mortgage outcomes.

Same income.

Different structure.

That’s why self-employed mortgages aren’t about chasing a magic number.

They’re about understanding how lenders see the story behind the numbers.

And once you understand that…

Everything becomes a lot clearer.

Would you delay buying a house if it meant saving another £10,000? 👀🏡It’s a question I hear all the time.Some buyers wan...
01/06/2026

Would you delay buying a house if it meant saving another £10,000? 👀🏡

It’s a question I hear all the time.

Some buyers want to get on the property ladder as soon as possible.

Others would rather wait, build a bigger deposit, and potentially access better rates or lower monthly payments.

The reality?

There isn’t always a right or wrong answer.

A bigger deposit can mean:

✅ More lender options
✅ Lower loan-to-value
✅ Potentially better rates
✅ Smaller monthly payments

But waiting could also mean:

⏳ House prices change
⏳ Your circumstances change
⏳ The property you love is no longer available

I’m curious…

Would you buy now or wait until you’d saved another £10,000? 🤔👇

Your home may be repossessed if you do not keep up repayments on your mortgage.

31/05/2026

If the year ended tomorrow, would you be proud of your progress?

Be honest with yourself.

Not about what you’ve posted online.
Not about what you’ve told other people.

About you.

The person in the mirror.

Five months ago, most people were setting goals.

A better year.
Better habits.
A healthier lifestyle.
More money.
A better version of themselves.

So where are you now?

Have you moved closer to what you wanted?

Maybe that’s:
🏡 a property goal
💼 a career or business goal
❤️ a relationship goal
🏋️ a health and fitness goal
🧠 personal growth

And if the answer is “not really”…

Don’t write the year off.

You still have 7 months.

7 months to improve.
7 months to learn.
7 months to change direction.
7 months to become the person you wanted to be.

The truth?

You don’t need a new year.
You don’t need a Monday.
You don’t need perfect timing.

You just need a decision.

Because the next 7 months will pass whether you use them or not.

The question is…

When December arrives, will you be proud you started today?

Or disappointed you waited another month?

Use this month as your reset.

Your future self will thank you for it.

Address

Uxbridge

Telephone

+447912000422

Website

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