Fairway Mortgage Advice

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Fairway Mortgage Advice

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Washington’s Highest Rated Mortgage Broker

We Help People Buy Houses✨

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https://linktr.ee/FairwayMortgageAdvice

03/11/2026

If I was putting an offer in on a house tomorrow, here’s what I’d do within the first week: 🏡✨🫶🏻

1. Make sure I actually know what I can afford - Before putting an offer in, I’d speak to a mortgage broker to understand my borrowing potential, monthly repayments and the deposit I’d need. I’d also get an Agreement in Principle sorted if I hadn’t already.

2. Find out everything I could about the house - I’d ask about the property’s history, whether there’s been any major work done, how old the boiler is and whether there have been any issues with damp or flooding. I’d also check the EPC and council tax band.

3. Have my solicitor ready to go - If my offer was accepted, I’d want to instruct a conveyancing solicitor quickly so the legal process could get started. I’d also make sure I understood their fees and what I’d be paying if the purchase fell through.

4. Get my mortgage application moving - Once my offer was accepted, I’d get back in touch with my broker, provide any documents they needed and discuss the right mortgage for my circumstances. I’d also arrange an appropriate property survey, as a lender’s valuation isn’t the same as a survey.
Get my paperwork organised - I’d have my payslips, bank statements, proof of deposit and ID ready. The sooner I could provide everything requested, the less chance of avoidable delays.

5. Get a few quotes for a house survey - I’d compare local surveyors, check their availability and make sure I’m getting the right level of survey for the property. Spending a few hundred pounds now could save me a very expensive surprise later.

30/10/2026

Oh hey 👋🏼🏡✨

25/10/2026

In the spirit of spooky season…. Here’s what mortgage brokers find TERRIFYING 🎃👻

22/10/2026

The 5 pieces of advice I’d give a first time buyer, 2 years on from buying my first house🏡✨

1. Don’t spend every penny you’ve got on your deposit - you’ll be surprised how quickly the little things add up. Solicitor fees, furniture, moving costs, and all those unexpected trips to B&Q (And that’s before any of the actual fun stuff!). Having some savings left over makes those first few months much less stressful.

2. You don’t need to have your dream home straight away - It’s so easy to compare your new home to the beautiful houses you see on Instagram. But you don’t need a perfectly decorated home, a brand-new kitchen or matching furniture from day one. Enjoy making it yours, little by little. You own your own house!! You should be super proud.

3. Don’t overlook the boring things when viewing a house - It’s easy to fall in love with a gorgeous kitchen or a lovely garden, but check the water pressure, look for signs of damp, ask about the boiler and find out how much the house costs to run. Those things matter a lot more once you’re living there.

4. Just because you can borrow a certain amount doesn’t mean you should - Think about the life you want to have outside your home too. Holidays, meals out, hobbies and having money left over at the end of the month. The biggest house you can afford isn’t always the best house for you.

5. Speak to a mortgage broker before you start seriously house hunting - Knowing roughly what you can borrow, what deposit you’ll need and what your monthly repayments could look like makes the whole process so much easier. It also saves you falling in love with a house that’s outside your budget.

21/10/2026

Job done xx

20/10/2026

Buying a house is so much more than just buying four walls and a roof. It’s buying the place your family will make most of their memories. It’s buying a home!

19/10/2026

You’re living the dream x

On a serious note, any size gifted deposit can be potentially acceptable as long as it can be accounted for!

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

17/10/2026

Brutally honest advice I’d give to first time buyers planning to buy in the next 6 months…

1. The bank’s maximum isn’t your budget.
Just because a lender is willing to lend you a certain amount doesn’t mean you should borrow it all. Work out what you can comfortably afford each month, not just what you’re offered.

2. Your deposit isn’t the only money you need.
Solicitors, surveys, moving costs, furniture and unexpected repairs all add up. Don’t spend every penny getting the keys and leave yourself with nothing in reserve. You’ll want something left over so you can enjoy decorating your new home.

3. You might not need as big a deposit as you think.
A 10% deposit isn’t always essential. There are mortgages available with smaller deposits, depending on your circumstances, so don’t automatically assume you need years more saving.

4. Check your credit file early.
Don’t wait until you’ve found your dream home to discover an issue with your credit report. Checking early gives you time to address any errors or potential problems.

5. Your first home doesn’t need to be your forever home.
You don’t need the perfect kitchen, a huge garden or every room decorated. Focus on what you need, what you can afford and what works for your life right now.

6. Think about your future, not just your current circumstances.
Planning a family, changing jobs or expecting childcare costs? Factor those into your budget now. You want to enjoy your home, not feel financially trapped by it.

7. Don’t focus on the mortgage payment alone.
Council tax, energy bills, insurance, maintenance and any service charges all affect how affordable a property really is.

15/10/2026

I blocked them.

14/10/2026

LET US REINTRODUCE OURSELVES!

A lot has changed since our last intro post two years ago, so here’s a little update!

Fairway Mortgage Advice is owned by husband and wife team Anth & Rebekah, who juggle running the business with raising their two little girls (aged 2½ years and 4 months!). Busy is an understatement!

We’ve grown into a team of 9, so meet the faces behind Fairway:

✨ Mortgage Advisers: Holly, James, Michael & Jake
✨ Mortgage Admin: Hannah
✨ Protection Adviser: Declan
✨ Marketing & Partnerships: Poppy
✨ And of course, Anth & Rebekah!

We’re proud to be Washington’s highest-rated mortgage broker, with over 230 five-star Google reviews!!

We love helping people who’ve been turned down elsewhere, have more complicated circumstances, or just want mortgages explained in plain English. We’re a really friendly, down-to-earth team who really do just love what we do!

Buying your first home, moving, remortgaging or looking at protection? Give us a follow or drop us a message. We’re always happy to chat! 🏡🫶🏻✨

Address

Washington

Telephone

+441914661304

Website

https://linktr.ee/FairwayMortgageAdvice

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