Anna Bradshaw - The Mortgage Expert

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Anna Bradshaw - The Mortgage Expert

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Mortgage and Protection Broker serving the whole of the UK with expertise and care. I'm a Mortgage and Protection Broker.

I've been working in financial services since 2009 and am passionate about helping people buy their first homes, dream homes or just to help save them some money! I love talking to new people and catching up with old friends, if you have any questions or need any assistance with your mortgage or your life and other protections policies please give me a call or drop me message, I'd love to hear from you.

02/11/2026

Hello November! 🍁

The clocks have gone back, the evenings are dark and the fireworks are on their way. It's also a really good time to check in on your mortgage before the busy run up to Christmas.

If your fixed rate ends before spring, if you're hoping to buy in the new year, or if your protection hasn't been looked at in years, a quick chat now can save a lot of stress later.

📩 Whatever stage you're at, get in touch. No pressure, just a conversation.

01/11/2026

Short, simple and it made me smile.

"Anna is a great mortgage adviser she helped a lot through the all process my first home in the UK thank you very much highly recommended"

F. ⭐⭐⭐⭐⭐

Buying your first home in a new country is a big step, and it's a privilege to help with it.

📩 Ready to start your own journey? Message me.

31/10/2026

Happy Halloween! 🎃 Here are four mortgage myths that are scarier than the truth.

Myth: "You need a 20% deposit." Plenty of lenders go up to 95% loan-to-value, which means a 5% deposit.

Myth: "You can't get a mortgage if you're self-employed." You can. You'll usually need accounts or tax returns to show your income, but it's far from a closed door.

Myth: "If one lender says no, they all will." Every lender has its own criteria, and what one declines, another may approve.

Myth: "You need a perfect credit history." Lenders vary a lot, and a blip in the past doesn't automatically rule you out.

The real thing to be scared of is giving up before you've asked.

📩 Got a mortgage fear you'd like me to bust? Message me.

29/10/2026

Protection week, day three: critical illness cover.

Critical illness cover pays out a tax-free lump sum if you're diagnosed with a serious illness that's listed in your policy, such as certain cancers, a heart attack or a stroke. It can help with the mortgage, the bills or time off work while you recover.

Take a couple in their 30s, both non-smokers. £50,000 of cover each, over 25 years. Typical quotes come in at around £30 to £40 a month each.

Critical illness cover can be arranged on joint terms, but it's usually recommended that you each have your own separate policy. That way, if one of you claims, the other's cover carries on.

The exact price depends on the options you choose, such as any extras added to the policy.

It's worth knowing that it pays out for the conditions the policy lists, not every illness, so the small print really matters. That's something I'll always go through with you.

Illustrative figures based on typical market quotes. Smokers and health conditions can change the price. Not a quote or an offer.

📩 Want to know what critical illness cover would cost for you, and what it would and wouldn't cover? Message me.

27/10/2026

Protection week, day two: family income benefit.

Most people have heard of life insurance that pays a lump sum. Family income benefit works differently. Instead, it pays a regular monthly income if one of you dies during the term, which can feel a lot more manageable for the person left behind.

Take a couple in their 30s, both non-smokers. £2,000 a month of joint cover, for 18 years, so it runs until the children are grown up.

Typical quotes for that sort of cover come in at around £20 to £25 a month for the two of you.

If the worst happened early on, that's up to £432,000 paid out over the term. The longer the policy has run, the less time is left to pay, so the total reduces as the years go by.

It's often cheaper than a lump sum policy and it's a good fit for families with a mortgage and children. It can also sit alongside other cover.

Illustrative figures based on typical market quotes. Smokers and health conditions can change the price. Not a quote or an offer.

📩 Want to know what this would cost for your family? Message me and I'll look at it with you.

26/10/2026

This week it's protection, with real numbers.

Take a couple in their mid 30s, both non-smokers, buying a home together, no children. £200,000 of joint life cover, over 25 years. A joint policy pays out when the first of you dies.

Typical quotes for that sort of cover come in at around £15 to £20 a month for the two of you.

Most people guess it'll cost a lot more, which is one of the main reasons they put it off. For a lot of couples it's less than they spend on a takeaway.

The price depends on your age, health, whether you smoke, your job and the type of policy, and smokers pay roughly double. The only way to know yours is to get a proper quote.

Illustrative figures based on typical market quotes, not a quote or an offer.

📩 Want to know what your own cover would cost? Message me and I'll look at it with you.

25/10/2026

This is one of the reviews that stays with me.

"I could not recommend Anna enough. From the first meeting right through to the end, Anna was informative, supportive and thorough. She has helped me purchase my own family home with my kids, which is something I didn't think I could do for a very long time. Not only was Anna amazing at finding and delivering all the mortgage information, she was great with advice and kept the support all the way through the purchasing process, even stepping in when I was having issues with my solicitors. I will be recommending her services to anyone I know looking to move."

F.L. ⭐⭐⭐⭐⭐

"Something I didn't think I could do for a very long time." If you've been telling yourself the same thing, let's find out if it's true.

📩 Ready to start your own journey? Message me.

24/10/2026

The clocks go back tonight, which means an extra hour! 🕐

So what's the plan? An extra lie-in? One more episode of that show you swear you're not bingeing? A second (third) cup of tea?

Whatever you choose, can I suggest spending 5 minutes of it checking when your fixed rate ends? Then the other 55 minutes are all yours, guilt free. 😄

If your deal ends within the next 6 months, now's a good time to look at your options, because many lenders let you secure a new deal that far ahead. Future you will be very grateful.

Can't remember when your deal ends? It's usually on your annual mortgage statement or in your lender's app. Send me a photo and I'll tell you what it means.

📩 Message me and I'll take it from there.

23/10/2026

Numbers week, day five: what overpaying actually does.

You've got £200,000 left on your mortgage, 25 years to go, at an illustrative 5.5%. Your payment is about £1,228 a month.

Overpay by £100 a month and you'd save around £28,000 in interest and clear the mortgage about 3.5 years early.

Overpay by £200 a month and that becomes around £47,800 saved and about 6 years and 3 months off the term.

Small, regular amounts add up because every pound you overpay stops interest being charged on it for the rest of the term.

Before you start, check your lender's overpayment allowance. Many lenders cap it, often at 10% of the balance a year before early repayment charges apply, but it varies from lender to lender and product to product.

Illustrative example only, assuming the rate stays at 5.5% throughout. Not a quote or an offer.

📩 Want to know how much you could overpay without penalty? Message me and I'll look at your deal.

22/10/2026

Numbers week, day four: remortgaging to borrow more.

You've got £180,000 left on your mortgage, your home's worth £320,000, and you'd like £30,000 for an extension. That would take your mortgage to £210,000.

Your loan-to-value goes from 56.2% to 65.6%, which is still a strong position, so the extra borrowing wouldn't push you into a higher-rate bracket.

Over 20 years at an illustrative 5.5%, your payment would go from about £1,238 to about £1,445 a month. That's roughly £207 a month more for the extra £30,000.

Lenders will want to know what the money is for, and the cheapest route isn't always the obvious one. It can be worth comparing borrowing more with your current lender against moving the whole mortgage, once you factor in fees and any early repayment charges.

Illustrative example only, not a quote or an offer. Your own figures will depend on your circumstances.

📩 Want to borrow more against your home? Message me and we'll compare the options.

Address

Wellingborough

Telephone

+447311264795

Website

https://themortgageexperts.co.uk/anna-bradshaw/, https://linktr.ee/annabradshaw_themortgageexpert

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