Rob Wilson Mortgage and Protection at The Right Broker Ltd

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Rob Wilson Mortgage and Protection at The Right Broker Ltd

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Simplifying life’s big decisions Registered in England and Wales no. 09656290. Registered Office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH.

The Right Broker Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

02/11/2026

Lenders look at self-employed income in different ways. 🔎

Some want to see two years of accounts; others will work with just one. It depends on whether you're a sole trader, a company director, or a contractor.

Lower or up-and-down income doesn't mean the door is closed. It just means you need a lender whose criteria fits how you actually get paid.

I'll help you get your paperwork sorted, work out what lenders will want to see, and find options that suit your situation. 📃

Speak to me when you're ready to get started. 📞

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

30/10/2026

That's a huge number when you think about how many of us rely on our wages to cover rent, mortgage payments and everyday bills. 🫣

81% of workers without cover are renting or paying a mortgage. Nearly half have children under 17 depending on that income too.

One in five full-time workers has gone through a stretch without their usual pay because they couldn't work. That's not a small risk; it's something that could derail your livelihood!

Income protection could provide you with a monthly income to help you pay the bills

I can walk you through how income protection works, what it might cover, and how it could sit alongside your budget and any workplace benefits you already have.

Give me a call to find out how it works today

28/10/2026

Great news for first-time buyers following today's Autumn Budget! 🎉

The Government has officially confirmed the new Your First Home Scheme, something we first spoke about a few weeks ago!

The aim? To make getting onto the property ladder more affordable for first-time buyers.

Under the scheme, eligible buyers could purchase a new-build property with a deposit of just 2.5%, supported by a 20% government equity loan that's interest-free for the first 5 years! 🏠

📆 Applications aren't open just yet, but pre-registration will be available before the end of 2026, with the scheme expected to open for applications in February 2027.

Pre-registration doesn't mean you're committing to buying a home. It simply gives you more information about whether you qualify and the property price limits in your area.

Find out more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

And that's not the only announcement for first-time buyers!

The Government is also planning a new First Time Buyer ISA, designed to make saving for your first property easier.

This new savings account is expected to replace the Lifetime ISA for new savers, while those who already have a Lifetime ISA can continue using theirs.

The new First Time Buyer ISA will launch in April 2029.

It's encouraging to see more support being introduced for people hoping to buy their first home! 🙌

If you're hoping to get onto the property ladder, I'm here to help you understand your mortgage options and plan your next steps.

📩 Get in touch to find out how I can help!

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

26/10/2026

New research found that AI gets financial and protection answers wrong 57% of the time. Now, for trickier questions, that jumps to 88%. 🫢

That's a lot of room for error when it's your mortgage or protection on the line.

AI can be handy for explaining terms or pointing you towards the right questions to ask.

But it doesn't know your income, your circumstances or what you can actually afford.

A mortgage is personal, and the details matter.

If you've had an AI answer that's left you unsure, bring it to me and we'll talk it through properly. 💬

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

Source: https://www.financialreporter.co.uk/ai-models-give-wrong-financial-advice-57-of-the-time-saturn-research-finds.html

25/10/2026

Your mortgage renewal date isn't something to ghost. 👻

Miss it, and you could roll onto your lender's SVR (their standard variable rate). That's usually much higher than what you're paying now, and it could cost you hundreds more each month. 💷

Scary stuff.

Here's the treat, though. I can start looking for new deals up to 6 months before your renewal date, so you're never left trick-or-treating with your finances. 🎃

And if rates drop after you've secured a deal? I could still switch you to a lower one before everything completes.

Speak to me before your renewal date creeps up on you. ☎️

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

21/10/2026

10 years of Rob Wilson Mortgage & Protection. What a milestone! 🥂

This month marks a decade in the mortgage and protection industry, and I couldn’t be prouder of what has been built along the way.

Ten years of hard work, changing markets, new challenges, and, most importantly, fantastic clients who have trusted me with one of the biggest financial decisions they’ll make. There is such a rewarding feeling that comes with this work

Knowing I've helped people buy their first home or helped them keep their family safe when they're no longer here is invaluable. ❤️

A lot has changed over the last decade, but the commitment to providing straightforward, personal mortgage and protection advice hasn’t.

Here’s to 10 years done and plenty more to come! 🎉

19/10/2026

The clocks go back this weekend, and that spare hour is yours. ⏰

Most of us will spend it in bed. No judgement here.

But that hour could also be the moment you finally sit down and look at your mortgage. 🔎

When did you last check if your rate still suits you?

Or whether there's something out there that fits your situation better?

It doesn't take long to find out. Just one hour, maybe even less. ⏱️

Speak to me this week and we'll walk through your options together. 🏡

That extra hour might be worth more than you think.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

18/10/2026

Think you need a massive deposit to buy a home? Think again. 🏡

Some mortgages are available with as little as 2% deposit, and in certain circumstances, even 0%.

Of course, a smaller deposit usually means a higher loan-to-value (LTV). That's the amount you're borrowing compared to the property's value, and it can affect the rates on offer.

But deposit size isn't the whole story. Your income, affordability, and personal circumstances are all important pieces of the puzzle. 🧩

If you've got a small deposit, that doesn't mean waiting years is your only option.

It's worth looking at the full picture: the rate, the fees, and what your monthly payments would actually look like. 🔎

Every lender has different criteria, so what works for one person might not work for another.

Close to having a deposit but not sure if it's enough? Speak to me before assuming you need more time. 💬

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

Getting married comes with enough admin without worrying about your mortgage too 💍

The good news is that a name change doesn't have to complicate your remortgage.

Your marriage certificate is usually all you need to show the change where other documents haven't caught up yet. 📄

If you've got a wedding on the horizon and a remortgage deadline creeping closer, just mention it when we chat. It helps me make sure everything's accurate from the start.

You don't need to pause your plans just because life is changing around you.

Sorting your mortgage shouldn't add stress to a time that's already full on.

Tell me what's coming up and we'll plan around it 📞

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

12/10/2026

A brilliant new scheme has just been announced to help first-time buyers in England get on the housing ladder 🏡

All you need is a 2.5% deposit saved, and the government could step in with 20% towards the value of a new-build home.

Using the average new-build price of £361,730 as an example, that's around £9,043 for your deposit... If you ask me, that's a steal! 🤩

There's also talk of an interest-free period at the start, giving you breathing room before repayments on that equity share kick in.

New builds also tend to be more energy efficient, so your utility bills could be lower from day one. 💷

I don't have all the details yet. Costs and start dates are expected at the Budget, and there will be household income caps and local price limits.

While I wait for more details, we can talk through your options

Speak to me now so you're ready to move when the details land 📲

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

Address

Wakefield

Telephone

+447950979002

Website

https://therightbroker.co.uk/about-us/rob-wilson/

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