Rob Wilson Mortgage and Protection at The Right Broker Ltd

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Rob Wilson Mortgage and Protection at The Right Broker Ltd

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.

11/06/2026

And that’s the real problem.

I’ve seen people:

stretch themselves too thin
fix for 5 years when they’ll move in 2
chase the lowest rate… and regret it later

Here’s the truth:

❌ The cheapest deal isn’t always the best deal
✅ The right structure matters more than the rate

Mortgages aren’t just numbers.

They impact:

your flexibility
your stress levels
your future decisions

If you already have a mortgage (or you’re about to commit to one), it’s worth a second opinion. Drop me a message—no pressure, just clarity.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

10/06/2026

Overpayments can be powerful! But only when used correctly.

They can:
✔ Reduce interest paid
✔ Shorten your mortgage term
✔ Improve long‑term financial flexibility

But…
⚠ Some deals limit overpayments
⚠ Overpaying isn’t always the smartest use of spare cash

The key is balance.

If you’re considering overpayments, let’s check they actually support your bigger financial goals. Get in touch and we can have a chat.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

09/06/2026

Old cover might be:
• Too little
• Too expensive
• No longer suitable

A quick review can make sure you’re properly protected, without overpaying.

If it’s been years, let’s take another look.

05/06/2026

Many buyers go straight to their bank for a mortgage. Sounds logical, right?

But here’s what most people don’t realise:
🏦 Your bank can only offer their products
📑 A broker can access dozens of lenders
🔍 Different lenders suit different situations

Bank advice isn’t wrong, it’s just limited.

As a broker, my job is to find the right deal for you, not the bank.

If you want to see what’s really available, I’m happy to help.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

03/06/2026

If you rely on your income to:
✔ Pay rent or a mortgage
✔ Cover bills
✔ Maintain your independence

…then your income is worth protecting.

Protection evolves as life changes, it’s not reserved for one life stage.

If you’re unsure what (if anything) is relevant for you, I can explain it clearly.

02/06/2026

One of the first questions people ask me is:
“How much will a lender lend me?”

The honest answer?
It’s not just your salary.

Lenders look at:
✔ Income (and how it’s paid)
✔ Regular outgoings
✔ Credit commitments
✔ Dependants
✔ Lifestyle spending

That’s why online calculators often give misleading answers.
A personalised affordability check gives you clarity before you start house‑hunting.

If you want real numbers not guesswork, message me.

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

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

27/05/2026

Not every buy-to-let mortgage fits the “standard” box — but the good news is, some lenders are catering for more complex setups 👇

Here are 3 more specialist criteria currently available, all with 1 lender!

✨ Minority shareholders accepted

You can have someone hold up to a 20% share in the Limited Company that’s buying the property, without them needing to be on the mortgage or go through credit checks.

💡 For example: you might bring in a friend or family member as a small investor in your company, without them needing to be involved in the mortgage application

🏡 Company buying a director’s current home

Your Limited Company can purchase a property you or any other shareholder currently live in and convert it into a buy-to-let.

💰 Intercompany loans for deposits

Using funds from another company as your deposit can be acceptable — even if that company is owned by a single director/shareholder.

💡 For example: you might have a trading business you’ve run for 20 years (e.g. a building company) where your main income sits. That company could provide the deposit to your property Limited Company, also known as the Special Purpose Vehicle (SPV)

Subject to full mortgage application.

Some forms of Buy to Let Mortgages are not 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. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

26/05/2026

From 1 May 2026, the Renters’ Rights Act will bring in some important changes:

🔑 Removal of ‘no fault’ evictions: Landlords will need a valid reason to end a tenancy

📄 More flexible tenancies: No more being locked into long fixed terms

📅 Rent can only be increased once a year

⚖️ Tenants can challenge unfair rent increases

💷 Large upfront rent payments will be banned

So what does this mean for you?

For landlords with mortgages:

👉 Beyond just the rules, this is likely to shift how you as a landlord approach your properties.

You may:

Review whether your current mortgage is still competitive
Look at raising funds for improvements to increase rental appeal
Reassess profitability and consider selling
Restructure portfolios or reduce the number of properties you hold

👉 If you’re a landlord, now is a good time to step back and look at your overall strategy, and make sure your mortgage is working for you, not against you.

For renters & first-time buyers:

👉 For some, this may make renting more stable. For others, it might be the nudge to explore buying instead.

That’s where I come in.

I help you understand your options, whether it’s getting onto the property ladder, reviewing your current mortgage, or planning your next move with confidence.

If you’re unsure how these changes affect you, just drop me a message 📩

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

22/05/2026

One document you should never show an estate agent.
And yet, most buyers hand it over without a second thought.

Big mistake.
Huge.

Your Decision in Principle (DIP) shows the maximum you can borrow.
Not your goal.
Your ceiling.

And estate agents are very good at maths.

Here’s what often goes wrong:
• You get a DIP for £400,000
• You view a property listed at £395,000
• You hand over your DIP like it’s a business card

Congratulations — you’ve just revealed exactly how much room you have to negotiate.

Here’s the smarter move👇

📞 Call your mortgage adviser before making an offer.

Ask for a DIP closer to the asking price — or lower.
£380,000 on a £395,000 property creates a very different conversation.

A little mystery goes a long way in negotiation.

Estate agents play poker for a living.
You should too.

20/05/2026

Buying a home isn’t just about getting the keys… it’s about keeping them. 🏠✨

Most people see protection as an “optional extra” — but it’s the thing that safeguards everything you’ve worked for.

The truth?

Protection isn’t an add‑on. It’s part of owning a home responsibly.
If life takes an unexpected turn, the right cover makes sure your home doesn’t have to be one of the things you lose.

If you’re unsure what protection you actually need, I’m here to help you make sense of it — simply and clearly.

📩 DM me “PROTECTION” for a free check‑in.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Address

Wakefield

Telephone

+447950979002

Website

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

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