Anna Bradshaw - The Mortgage Expert

Anna Bradshaw - The Mortgage Expert 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.

What does LTV actually mean?LTV stands for loan-to-value. It's the percentage of the property's value that you're borrow...
08/09/2026

What does LTV actually mean?

LTV stands for loan-to-value. It's the percentage of the property's value that you're borrowing as a mortgage.

So if you've got a £60,000 deposit on a £300,000 home, that's a 20% deposit, meaning you're borrowing the other 80%. Your LTV is 80%.

Why does it matter? Because rates are priced in LTV bands. The lower your LTV (the bigger your deposit or equity), the better the rate you're usually offered. Even shaving a few percent off your LTV can sometimes unlock a noticeably cheaper deal.

It's one of the first things I work out with clients, because it shapes everything else about what's available.

📩 Not sure what your LTV would be? I can work it out with you.

Here's something worth knowing: an automated decline from a lender isn't always the end of the road.A lot of lenders now...
07/09/2026

Here's something worth knowing: an automated decline from a lender isn't always the end of the road.

A lot of lenders now run an initial decision through an automated system before a human ever looks at it. Those systems are built to decline first and ask questions later, it's often down to a broker to appeal, dig into the detail, or find a different lender whose criteria actually fits.

Sometimes it really is that specific. I've seen a case turned down purely because the mortgage term wasn't long enough, and approved the moment it was extended by a single year. Nobody had flagged that at the point of rejection. Small details like that can completely change the outcome.

This is exactly why it's not just about finding the best rate. It's about finding the lender who'll actually say yes to you, and knowing how to ask the question properly.

If you've been declined and told there's nothing more to be done, it's always worth a second opinion.

📩 Get in touch, let's see what's really going on.

A review that means a lot to share."Anna is the perfect companion to guide, advise and support through a property purcha...
06/09/2026

A review that means a lot to share.

"Anna is the perfect companion to guide, advise and support through a property purchase. She is empathetic, calm, professional and relatable. She isn't after a hard sell, she doesn't fight to make choices for a commission, she will have a cup of tea and listen to you about your needs and wants. I cannot recommend Anna enough (and have done to friends and family) - she's a star!"

R.B. ⭐⭐⭐⭐⭐

That's genuinely how I try to do this job. No hard sell, no pushing you toward what suits me. Just listening to what actually suits you.

📩 Ready to start your own journey? Message me.

I love where I live.This time of year, we get geese flying over constantly, practicing for their migration. There's some...
06/09/2026

I love where I live.

This time of year, we get geese flying over constantly, practicing for their migration. There's something about hearing them overhead that always makes me stop and look up, no matter how many times it happens.

It's not always about the house. It's about where the house is too.

What do you love about where you live? 👇

A story I see play out more often than people realise: a couple find their dream house, get a mortgage offer sorted, and...
05/09/2026

A story I see play out more often than people realise: a couple find their dream house, get a mortgage offer sorted, and then the survey comes back. Damp. Mould. Signs of subsidence. Old wiring that needs a full rewire. Suddenly the dream house doesn't look so dreamy.

Here's the thing - a lender's valuation is not a survey. A valuation just confirms the property is worth what you're paying for it, for the lender's own purposes. It's not checking the roof, the damp course, or whether the walls are moving.

A survey isn't compulsory, and plenty of people decide not to have one, that's a perfectly reasonable choice, especially with a newer build where there's less likely to be anything hidden. But if you're buying an older property, or you've already noticed a few things you're not quite sure about, it's usually worth having one done.

It costs money upfront, and it can be gutting to hear bad news about a house you've fallen for. But finding out now is generally better than finding out after you've exchanged.

📩 Not sure what level of survey you need? Ask me, I'm happy to point you in the right direction.

Can you fix an interest-only mortgage? Short answer: yes.There's a common assumption that interest-only means you're stu...
04/09/2026

Can you fix an interest-only mortgage? Short answer: yes.

There's a common assumption that interest-only means you're stuck with limited, restrictive options. In reality, most lenders who offer interest-only mortgages have plenty of products to choose from, just like with a standard repayment mortgage.

You can fix your rate, or you can go on a variable rate. What's actually available to you, and what's best for your circumstances, comes down to your individual situation, your deposit or equity, and your repayment strategy.

If you think an interest-only mortgage might be right for you, or you're just not sure where you stand, feel free to get in touch.

📩 Message me and we'll have a chat.

Hello September! 👋Back to school for a lot of households this month, and also when a lot of people start thinking seriou...
01/09/2026

Hello September! 👋

Back to school for a lot of households this month, and also when a lot of people start thinking seriously about getting their move sorted before Christmas.

If that's you, now's a great time to start the conversation. No pressure, just an honest chat about where you stand.

📩 Here whenever you're ready.

A Day in the Life (The Real Version)People ask what I actually do all day, so here's an honest answer.It usually starts ...
31/08/2026

A Day in the Life (The Real Version)

People ask what I actually do all day, so here's an honest answer.

It usually starts before I've had breakfast, checking what came in overnight. A lender has come back on a complicated case, a client wants an update, a solicitor has flagged something. There's almost always one thing worth answering straight away, and I like getting ahead of it before the day properly starts.

Mornings are often research. For a straightforward case that's quick. For a complex one, it can mean checking criteria across fifteen or twenty lenders, calling them directly, running numbers, working out who will actually consider a client's situation. Foreign currency income, visa applications, unusual pensions, they can take real digging, but finding the answer is honestly one of my favourite parts of the job.

Then it's calls, back to back. New enquiries, existing clients with questions, solicitors chasing, estate agents wanting confirmation. Alongside that, plenty of admin. Forms, portals, waiting on approvals, keeping a solicitor moving on a client's behalf. It's not glamorous, but it's exactly what keeps a case on track.

Some days bring a curveball too. A lender rings wanting more information. A client nearing completion needs their protection finalised. A property issue comes up that needs explaining properly so it doesn't derail everything. I'd rather handle it there and then than let it become a problem later.

And then there are the wins that make it worth it. Finding a lender willing to say yes when others said no. Getting a client the extra funds they needed for their home. Sorting protection for someone with a health history that most insurers wouldn't touch.

The day doesn't run to a strict nine to five. My WhatsApp is always open, and if a client needs me in the evening, I'll reply. I like knowing people can reach me when it matters, not just during office hours.

It's a lot. But it's also genuinely the job I love.

📩 If you're wondering whether your situation is too complicated, it probably isn't. Message me.

Why do lenders ask where your deposit came from? A question that catches people off guard.It's not about distrust, it's ...
30/08/2026

Why do lenders ask where your deposit came from? A question that catches people off guard.

It's not about distrust, it's a legal requirement. Lenders have to check the source of your deposit as part of anti-money laundering rules, even if the money has been sitting in your account for years.

Having a simple paper trail (payslips, savings statements, a gift letter if it's from family) makes this part painless.

📩 Not sure what you'll need to show? Ask me.

I want to be honest about this because I think the conversation around AI and mortgage broking can get a bit dramatic in...
29/08/2026

I want to be honest about this because I think the conversation around AI and mortgage broking can get a bit dramatic in both directions.

Yes, I use AI tools. I use them for things like drafting, admin, research, and staying on top of industry news. They save time and they're genuinely useful for that.

But they don't give the advice. I do.

The recommendation, the lender selection, the suitability assessment, the decision about what is right for your specific situation, that is me, every time. Because that's what I'm qualified and regulated to do, and because if something goes wrong, you need someone accountable. You can't go back to a chatbot and ask it to explain its reasoning to your lender.

I think AI will keep changing how this industry works behind the scenes. But I also think the advice itself, the bit that actually affects your life and your home, will stay human for a very long time.

And honestly, I think that's how it should be.

📩 If you have mortgage questions, I'm the better option

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Wellingborough

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+447311264795

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