Bubble Finance Hub Northamptonshire

Bubble Finance Hub Northamptonshire Whole of Market Mortgage & Insurance Adviser with over 15 years experience in Property Services

09/12/2025

Have you ever checked your credit report? 🤔

Most likely the answer is going to be no! But that’s fine, I can help you with that 🫶🏼

When you get a mortgage, lenders will do a credit check on you to make sure that the information I have put into the application is correct and to make sure you have no adverse credit that hasn’t been specified.

If you want to have a look at your credit file, please use the link below as this will allow you to view all three credit agencies that are used within the mortgage industry!

Remember to cancel your 30 day free trial so that you aren’t charged in a months time.

If you see something that doesn’t look right, just let me know. I’m more than happy to go through it with you and explain what everything means. I know it can be daunting as it’s not something we are taught at school…. And please don’t panic there are so many lenders now that give mortgages to people with adverse credit history.

Here is the link for you to follow: https://www.checkmyfile.com/

As always, let me know if you need my help or have any questions 🤍

Your home/property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

📞 07368113650
📧[email protected]
🌎 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

08/12/2025

Come with me to a Women in Business meeting with Barclays and Bella Barista ☕️ ⭐️

I love supporting other women in business and these regular meetings are a great way for me to do that and make connections.

And as always, if you need any mortgage or insurance advice, as always you know where I am!

📞 07368113650
📧[email protected]
🌎 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

20/11/2025

🔑 Fixed-rate mortgage but wanting to move? Don’t panic! You’ve got options so let’s break them down!

One option is to pay the Early Repayment Charge (ERC) to leave your current fixed-rate deal and switch to a new lender. This can give you access to a fresh mortgage with different rates or terms, which might suit your move better. While paying an ERC can feel painful, it sometimes makes financial sense, especially if the new deal or the move itself offers long-term benefits that outweigh the cost.

Another option is to stay with your existing lender and port your mortgage to the new property. This means taking your current fixed-rate deal with you, avoiding any Early Repayment Charges. If you need a larger loan for the new home, your lender can offer a top-up on a separate rate to cover the extra amount. It keeps things simple, avoids penalties, and can be a smooth way to move without breaking your current deal.
�Please let me know if you’d like any further advice!

📞 07368113650
📧[email protected]
🌎 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

📢 BREAKING: The Bank of England keeps the base rate at 4.00%Today, the Bank of England’s Monetary Policy Committee (MPC)...
06/11/2025

📢 BREAKING: The Bank of England keeps the base rate at 4.00%

Today, the Bank of England’s Monetary Policy Committee (MPC) voted 5–4 to keep the base rate unchanged at 4% which was a very close call.

🧠 The committee is made up of nine members including the Governor, Deputy Governors, the Chief Economist, and independent experts. The split vote shows just how finely balanced the decision was.

So what does this mean?

✅ If you’re on a tracker or variable mortgage, your payments stay as they are (for now)!
✅ Some lenders had already priced in a possible cut which means we’re still seeing competitive mortgage deals, despite today’s hold.

The next big moment?
👉 Rachel Reeves’ Autumn Budget, which could influence future rate decisions and shape the housing market heading into 2026.

If you want clear updates (without the political and mortgage jargon 🤪) then follow along

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Another great review from my clients who came back to me after 5 years to help with their remortgageHere is the full rev...
20/10/2025

Another great review from my clients who came back to me after 5 years to help with their remortgage

Here is the full review:
‘So we first used Amy at Bubble Finance to purchase our family home 5 years ago and although it was through COVID this didn't affect the service that we received and how easy Amy made it all for us, so when it was time to remortgage there was only one person we wanted to use. �Amy had been in contact to see how we were and wanted to see if there was anything that we needed in particular. She was able to give us a few different options and we were able to pick which mortgage suited our needs best. Amy made sure we were kept in the loop from start to finish even through our holiday and hers. The service was second to none and we would have no hesitation in recommending Amy to any of our friends or family. Thank you Amy for helping us buy our family home and continuing to help us get the best deal possible’
�If you want any advice on your mortgage whether it be a house move, remortgage, first purchase or even an investment purchase, please feel free to contact me. I’d love to help!

📞 07368113650
📧[email protected]
🌎 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

04/10/2025

Can My Income Be Used If I'm on Maternity Leave? 👶
�This is a question I’m frequently asked by my wonderful clients who are also mums!

Whether you're looking to remortgage or purchase a new property, there's no need to worry, lenders are not permitted to discriminate against individuals who are pregnant or on maternity leave 🏡

That said, lenders will typically request details of your return-to-work income. As long as you're returning to work on the same terms, they will usually ask for a pre-maternity leave payslip to assess what income can be used for affordability purposes.
If you’re planning to return on reduced hours, the lender will base affordability on your new, adjusted salary.
Additionally, any childcare costs you expect to incur once you're back at work will also be factored into the affordability assessment.
If you have any questions or would like to discuss your mortgage or insurance options you know where I am! �
📞 07368 113 650�📧 [email protected]�🌍 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

As with all insurance policies, conditions and exclusions will apply.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
Your home may be repossessed if you do not keep up repayments on your mortgage.

24/09/2025

What is a Mortgage Valuation? 🏡

Each time you get a mortgage you may hear the words ‘mortgage valuation’ and wonder what exactly that means?

Something my clients don’t always realise is that this type of valuation is for the lenders purposes only.

There are a few different types of mortgage valuations as well such as a desktop valuation, drive-by valuation and a physical valuation.

If you are looking for a more in depth survey report there are other options which you can pay for and arrange separately to the mortgage. I will go through this at a later date on a seperate video but if you have any other questions at this stage, you know where I am!

📞 07368113650
📧[email protected]
🌎 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

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

03/09/2025

What is a fixed mortgage? 🏡

A fixed rate mortgage fixes your interest rate for a set amount of time, allowing you to budget each month and not have to worry about any potential interest rate increases.

Get in touch with me today if you are looking to buy a home or perhaps your fixed-rate mortgage is ending within the next 6 months, so that we can discuss finding a new mortgage that works for you!

📞 07368113650
📧[email protected]
🌎 www.bubblefinancehub.co.uk/bubble-finance-hub-northamptonshire

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Today is Launch Day! 🎉If you know me, you’ll know how passionate I am about my work! Taking the leap to become self-em...
01/09/2025

Today is Launch Day! 🎉

If you know me, you’ll know how passionate I am about my work! Taking the leap to become self-employed in January 2020 was a big decision, but one that has truly paid off. I absolutely love what I do, I’m fortunate to be part of an incredible team, and I’ve had the privilege of balancing my career while raising two babies over the past three years. I’m so grateful to my loyal clients for their continued support, and trusting me. Even when I’ve been responding to emails at all hours of the day and night!

I am now fortunate to be in a position where I can dedicate more time and focus to growing my business and continuing to do what I love, which is helping people every day. Whether it’s securing a first home, moving to a family property, investing in buy-to-let, or looking for some insurance advice, I’m here to provide guidance and support with no complicated jargon!

And today marks the start of something new! The launch of my own Hub.

Bubble Finance Hub Northamptonshire 🏡✨

To all my lovely clients across the UK, please know that location is never a barrier! I can continue to support you wherever you are based.

I’m also excited (and nervous) to start creating some reels to share insights on all things mortgages and insurance. If there are specific topics you’d like me to cover, I’d love to hear your suggestions! Understanding mortgages doesn’t have to be boring so let’s make it simple, clear, and maybe even enjoyable!

Thank you to my mentor Gez Williams for being the best ❤️



07368113650 📲 - [email protected] 💻 - Drop me a message 📤

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

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Nene Court
Wellingborough
NN81LD

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