Anna Bradshaw - The Mortgage Expert

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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.

12/06/2026

Once your mortgage is agreed, you'll hear a lot about conveyancing. Here's what it actually means.

Conveyancing is the legal process of transferring ownership of a property from the seller to you. It's handled by a solicitor or licensed conveyancer, and it happens in two main stages:

🔃Exchange of contracts, both sides sign and swap contracts. At this point the sale is legally binding. You usually pay your deposit here. A completion date is set.
✅Completion, the remaining funds transfer, the seller vacates, and you get the keys. The property is yours.

What happens in between? Your solicitor carries out searches (local authority, water, drainage, environmental), checks the title, raises enquiries with the seller's solicitor, and arranges the transfer of funds with your mortgage lender.

How long does it take? Typically 8–12 weeks from offer accepted to completion, though it can be faster or slower depending on the chain.

📩 Questions about the buying process? I'm happy to walk you through it.

11/06/2026

She came to me convinced buying was out of reach.

She was renting with her young daughter, working full time, and had been to her bank, who told her she didn't meet their criteria. So she assumed that was the end of it.

It wasn't.

When I looked at her full situation, I could see she was in a stronger position than the bank had given her credit for. Her income was stable, her outgoings were manageable, and there was a lender whose criteria she fit much better, including one who considered her child tax credits as part of her overall income.

She got her mortgage. She completed six weeks later.

The bank's "no" wasn't the final word. It never is.

📩 If you've been told no, or you've assumed the answer would be no, please get in touch before you give up.

10/06/2026

Getting your paperwork together before you apply makes the whole mortgage process smoother and faster. Here's what lenders typically ask for:

📋 Proof of identity, passport or driving licence
📋 Proof of address, utility bill or bank statement (usually within 3 months)
📋 Payslips, last 3 months if employed
📋 P60, last year's, to confirm your annual income
📋 Bank statements, usually 3 months, sometimes 6
📋 Proof of deposit, showing where the money has come from
📋 SA302s, last 2-3 years if self-employed (along with your tax year overviews)

If you're self-employed, newly employed, have bonus or commission income, or are using a gifted deposit, there may be additional things the lender needs. Your broker will flag all of this before you apply.

Getting this ready in advance means fewer delays when it matters.

📩 Not sure what you'll need for your specific situation? Drop me a message.

09/06/2026

"My partner has bad credit. Does that mean we can't get a mortgage?"

It's one of the questions I get asked most, and the answer isn't a straight no.

When you apply for a mortgage jointly, both of your credit histories are assessed.

So yes, adverse credit on one application will be taken into account. But it doesn't automatically mean a decline.

It depends on: what the adverse credit is (missed payment, default, CCJ, bankruptcy, all treated differently), how long ago it was, how much it was for, and whether it's been satisfied.

Some lenders specialise in exactly this, buyers who have a less-than-perfect credit history. The rates may be slightly different, but getting onto the ladder isn't necessarily off the table.

What matters is finding the right lender for your specific situation. That's where a broker earns their place.

📩 Tell me what you're working with and I'll give you an honest view of your options.

07/06/2026

This one landed in my inbox recently and I'm still smiling about it. 💙

"Anna has been absolutely fantastic from beginning to end, and I don't think we would have got to where we are today without her. As first-time buyers, everything seems very daunting and overwhelming when it comes to mortgages, life insurance, and all the other bits. But Anna did an amazing job in explaining everything to us and helping us if we got stuck. I would highly recommend Anna, and I will definitely be contacting Anna again when it comes to remortgaging."
M.W., first-time buyer

"Everything seems very daunting and overwhelming", yes. That's exactly how most first-time buyers feel. Which is exactly why I do this.

📩 If that sounds like you, just say hello.

05/06/2026

If your fixed rate deal has ended and you haven't done anything about it, you are now likely sitting on your lender's Standard Variable Rate.

The average SVR is currently sitting at around 8% (Uswitch, June 2026).

That is significantly higher than almost every fixed rate product available right now. For most people, this means hundreds of pounds a month extra, for no benefit whatsoever.

Your lender won't chase you. They'll just keep charging you the SVR until you do something about it.

The good news: you can remortgage at any time. And if your deal has already ended, there's no early repayment charge to worry about. You can move straight away.

📩 Drop me a message. I'll check the market and tell you exactly what you could be saving.

04/06/2026

One of the most common things people worry about before applying for a mortgage: a bounced direct debit showing on their bank statements.

Here's the honest answer.

One or two missed payments, especially if they happened a while ago, were quickly resolved, and there's a clear reason, are unlikely to derail a mortgage application on their own. Lenders look at the full picture, not just one line on a statement.
What matters more is the pattern. If there are missed payments every month, or defaults alongside them, or it's happening right now. That's a different conversation.

But if you've had the odd blip and you're worried it'll stop you buying, don't assume. Ask someone who knows.

📩 Tell me what's on your statements and I'll give you an honest view of where you stand.

02/06/2026

You might not need as big a deposit as you think.

One of the lenders I work with has just launched a new mortgage scheme specifically for first-time buyers. It requires just £5,000 personal deposit to get started.

Here's what it looks like:

✅ Minimum £5,000 personal savings deposit (cannot be gifted, must be your own)
✅ Maximum property price of £300,000
✅ Only one of you needs to be a first-time buyer on a joint application
✅ No minimum income level, available to employed and self-employed buyers
✅ 5-year fixed rate with a £0 product fee option available
✅ Free valuation included

A few things worth knowing: there is a minimum credit score required, and a maximum loan-to-income cap applies. It's not available on new build properties or affordable housing schemes, and the property must be your only residence.
But if you've been sitting on a deposit of £5,000 or more and wondering if it's enough, it could be.

📩 Get in touch and I'll tell you whether this works for your situation.

01/06/2026

Hello June ☀️

Back at my desk, inbox open, and ready to go.

If you've been putting off a mortgage conversation, this is your sign. Summer is actually a brilliant time to get moving. Sellers are motivated, viewings are easier to fit around your diary, and there's still plenty of year left to complete.

📩 Drop me a message, let's see what's possible.

30/05/2026

Buying with a friend? Yes, it's absolutely a thing — and it works.

Both incomes go towards affordability, which often means you can borrow significantly more than either of you could alone. Both credit histories get assessed, so it's worth knowing where you both stand before you apply.

A couple of things to sort early: you'll want to own as tenants in common (so you each own a defined share) and get a deed of trust drawn up — this sets out what happens if one of you wants to sell or can't pay one month. Have that conversation before you buy, not after.

And when you've both grown out of it? You sell, take your share of the equity, and each use it to buy somewhere of your own. Instead of years of rent disappearing into someone else's pocket, you've both built a deposit for your next chapter.

It's one of the most practical ways to get on the ladder when buying alone feels out of reach.

📩 Message me and I'll walk you through how it works.

Address

Wellingborough

Telephone

+447311264795

Website

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

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