Wiltshire Mortgages

07/09/2026

If you’re thinking about buying a home, one of the first things you’ll probably wonder is, “How much can I actually afford?”

And I completely understand why. You don’t want to fall in love with a house, start planning where the sofa is going, and then find out the numbers don’t quite work!

The good news is, you don’t have to work it all out on your own.

It can feel like a lot to get your head around, especially if this is your first time buying a home. My job is to take some of that worry away, talk you through the numbers and help you understand what could realistically work for you.

So, if you’re at the very beginning and wondering where on earth to start, I hope this video helps make things feel a little less daunting. 💚

And if you have questions, please just ask. Honestly, there’s no such thing as a silly question.

📞 01373 228480
📧 [email protected]
🌐 https://wiltshiremortgages.co.uk

I’d be very happy to have a chat and help you get your head around it.

01/09/2026

Receiving feedback like this means so much to me.💙

My goal is always to make the mortgage process as straightforward and stress-free as possible, giving my clients confidence every step of the way. Thank you for the recommendation and for allowing me to be part of your homeownership journey.

26/08/2026

“I was told I couldn’t afford a mortgage…”

That was the position my client found herself in after speaking to other brokers.

As a single parent working part time and receiving Universal Credit, including the housing element, affordability wasn’t straightforward.

I helped her explore whether shared ownership could be an option, looking at her wider circumstances and researching lenders whose criteria may allow the housing element of Universal Credit to be considered.

The result? She was able to explore an application for a 25% shared ownership purchase.

There’s no guarantee a mortgage will be available, but this case is a great example of why understanding individual circumstances and lender criteria matters.

Read the full case study: https://www.hhhmortgages.com/news-post/shared-ownership-mortgage-universal-credit

Find out how Ricia Gibb helped a single parent secure a 25% shared ownership home by using the housing element of Universal Credit for affordability.

11/08/2026

A little reminder if you’ve been meaning to send someone my way 👋

Our Refer a Friend campaign is still running, but there’s not long left to enter.

If you have a friend, family member or colleague who is thinking about buying, moving home or remortgaging, you can refer them to me at Wiltshire Mortgages. As a thank you, you could be entered into our £500 prize draw when their mortgage completes and the relevant eligibility criteria are met.

Referrals are valid until 1 October 2026.

You can grab your shareable referral link and see the full T&Cs here:

https://www.hhhmortgages.com/referafriend-wiltshiremortgages

T&Cs apply. UK only. Eligibility criteria apply.

28/07/2026

Think you can't afford to buy a home? You might have more options than you realise. 🏡

Shared Ownership has helped thousands of people get onto the property ladder sooner, but understanding how the mortgage works is just as important as understanding the scheme itself.

Shared Ownership isn't the right choice for everyone, but it can open doors that many buyers didn't realise were available.

As a mortgage adviser, I'll explain how Shared Ownership mortgages work, what lenders look for, and whether this route could be suitable for your circumstances. I'll answer your questions in plain English, so you can make an informed decision with confidence.

If you're thinking about buying a Shared Ownership property, I'd love to help you explore your mortgage options.

20/07/2026

There's nothing more rewarding than helping clients at every stage of their homeownership journey. 💙

Thank you so much to this client for trusting me with both your first mortgage and your recent remortgage. I'm so pleased I could help make the process clear and straightforward.

15/07/2026

Buying your first home is such an exciting milestone, and it is completely understandable to want to jump straight into looking at properties.

But taking a little time to understand your budget first can make the whole journey feel much calmer and a lot less overwhelming.

Knowing what you may be able to borrow, getting an Agreement in Principle, and planning for costs beyond your deposit can all help you search with confidence and avoid any unexpected surprises along the way.

If you're just starting out and you're not quite sure where to begin, I hope this video helps make things feel a little clearer.

18/06/2026

Bank of England holds base rate!

Governor Andrew Bailey says while recent drops in oil prices are "encouraging", high energy prices from the Iran war have left "inflationary pressure in the pipeline".

16/06/2026

Saving for a deposit can feel like one of the biggest hurdles when buying a home… and honestly, it is completely normal if it is taking time.

For most people, it does not happen quickly. It is more of a marathon than a sprint, and everyone’s journey looks different.

It is also worth remembering that it is not just about the deposit. What you can comfortably afford month to month matters just as much.

There can be more options out there than you might expect, depending on your situation.

I have talked this through a bit more in this video, so feel free to have a watch if this is something you are working through 😊

16/12/2025

🎄🎄Wow! What a busy year it’s been for us at WM. We are looking forward to spending some precious time with our family and friends. 🎄🎄

Our opening hours over the festive season are as follows;

Business as usual until the 23/12/25
Closed 24/12/25 until 02/01/26

✨Looking forward to celebrating our 10th year in business next year, meeting and helping both existing and new clients.✨