Express Mortgages

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Express Mortgages Express Mortgages is a national company specialising in bespoke mortgage & protection advice

Ever spoken to someone about a property idea and felt like they just… didn’t get it? 🤦‍♀️When your plans are a little ou...
16/10/2026

Ever spoken to someone about a property idea and felt like they just… didn’t get it? 🤦‍♀️

When your plans are a little outside the box, sometimes you need more than someone who can simply find you a mortgage.

You need someone who’ll listen, understand what you’re actually trying to achieve and know how to turn that idea into a workable plan.

That’s exactly what Scott found after speaking to Jamie.

Having already spoken with several different advisers, this bit of his feedback says it all: “You can tell that Jamie is the only one who gets it.” 👏

A cracking bit of Friday Feedback for Jamie. Thanks, Scott!

16/10/2026

Finding the right lender is so important when buying for the first time...

And it's not as easy as some might think.

Every lender has different criteria, and not every lender will be the right one for you.

Using a mortgage broker means having access to the whole market to find the right lender to suit your circumstances.

They can compare the deals, speak with the lenders, and apply with confidence which means less stress for you, so you can concentrate on the excitement of buying your first home 😍

If you're looking for help with buying your first or next home, give our friendly team a call today on 01942 235000.

15/10/2026

Tomorrow is a new day 🤩

What happens when your existing mortgage lender won't offer you a new deal? 👀That's exactly what happened to one of our ...
15/10/2026

What happens when your existing mortgage lender won't offer you a new deal? 👀

That's exactly what happened to one of our Buy to Let clients.

We'd searched the market and found that staying with their current lender was the best option.

But when we applied for the rate switch, the lender declined because the property now had an HMO licence.

So, what did we do?

We changed direction.

We reassessed the options, found another lender whose criteria fitted the property and submitted a new remortgage application.

🏡 Full mortgage offer issued in less than ONE WEEK!

That's the difference having a whole of market mortgage broker can make.

We're not tied to one lender. We work for our clients, and if something doesn't go to plan, we know where to look next.

Need help with your Buy to Let mortgage? Get in touch with our team.
📞 01942 235000

14/10/2026

If you're looking to invest in property and become a landlord, working with a mortgage broker who understands buy to let is really important.

Why?

Because residential mortgages and buy to let mortgages are completely different.

Lender criteria is different, affordability isn't assessed the same way, and it's imperative to understand if the property is actually a good investment in the first place.

If you'd like help understanding your buy to let options, we have a team full of experts ready to help!

👉 01942 235000

After years working on other people's properties, this client had a question... Could they start doing it for themselves...
13/10/2026

After years working on other people's properties, this client had a question...

Could they start doing it for themselves? 🔨🏡

They'd worked on the tools throughout their career and wanted to start their own property development business.

After seeing some of the projects we'd shared on social media, they got in touch to find out what might be possible.

They'd found their first investment property selling below market value at £136,000, but wanted to put as little of their own money into the purchase as possible.

So we looked at what they already had.

Their residential home was worth around £400,000, with approximately £190,000 left on the mortgage.

That equity gave us something to work with.

By using their home alongside the new investment property as security, we structured enough funding to cover the full £136,000 purchase price.

🏡 Purchase: £136,000
💰 Net funding: £136,082
🔨 Planned works: £25,000
📈 Projected GDV: £220,000

The client will fund the refurbishment themselves and, once complete, plans to sell the property.

They had the skills. They found the opportunity.
We helped them work out how to fund it.

01942 235000

13/10/2026

Just started a new job and looking for a mortgage?

There are lenders out there who will agree to lend to you while you're still in your probation period.

Don't put your life on hold for a mortgage.

Speak to our team and we'll find the lender to suit your circumstances 😊

01942 235000

Thinking about changing jobs? Taking out car finance? Or perhaps you've just had a pay rise? 👀You might not realise it, ...
12/10/2026

Thinking about changing jobs? Taking out car finance? Or perhaps you've just had a pay rise? 👀

You might not realise it, but changes like these could affect your mortgage options.

And not necessarily in a bad way!

Here's why 👇

💼 Changing jobs? Some lenders may consider you even if you've only recently started a new role. Others have different employment requirements.

🚗 Taking out car finance? That new monthly payment could reduce how much you're able to borrow.

💷 Had a pay rise? Your affordability could potentially improve, depending on how a lender assesses your income.

📉 Paid off a loan? Reducing your monthly commitments could also make a difference.

The important thing to understand is that mortgage lenders don't all assess your circumstances in the same way.

So here's our biggest piece of advice...

If you're planning a change and you have control over the timing, speak to your mortgage advisor FIRST.

Not because your mortgage should dictate your life.

But because it's better to understand the potential impact before making a decision.

And if something unexpected has happened?

Maybe you've lost your job, your hours have been reduced or your household income has changed.

Please don't assume your mortgage plans are automatically over.

We'll look at what's changed, review your circumstances and explore what might still be possible.

Sometimes the original plan can still work. Sometimes a different approach is needed.

🏡 You don't need to put your life on hold for a mortgage. You just need to understand your options.

Thinking about buying, moving or remortgaging?

📞 Speak to our friendly team on 01942 235000

09/10/2026

Apparently the economy is booming and everything is fantastic... 🤔😂

Well, according to Paul anyway. And we think he's being just a LITTLE sarcastic!

This month's Cuppa Catch Up is back at Express HQ, and Paul and Steve have plenty to get off their chests ☕

First up, those headlines claiming 5 year fixed mortgage rates have reached 6%...

Is that really the full picture? 👀

Then there's the property investment market. Because while some people are holding back, others are spotting opportunities to negotiate and secure better deals.

Steve even shares a fascinating example involving 11 apartments and how a different approach to financing them could completely change the numbers! 🏡

And we've changed our filming location this month!

We're over with our lovely case management team, the people working behind the scenes to keep your mortgage applications moving.

Every Express client gets their own dedicated advisor AND case manager, so there's always a team working on their behalf.

Plenty of property chat, market insights and the usual Paul and Steve banter.

Pop the kettle on and enjoy! ☕

Finding a lender is one thing. Getting the funding over the line can be another story entirely.Especially when the case ...
09/10/2026

Finding a lender is one thing. Getting the funding over the line can be another story entirely.

Especially when the case isn’t completely straightforward.

That’s where having the right knowledge and experience behind you can make all the difference.

Whether it’s a mortgage or bridging finance, our job isn’t simply to point you towards an option. It’s to understand the case, work through the challenges and keep pushing to get the funding in place.

And David summed that up rather nicely in his latest feedback.

“An amazing group of people with excellent mortgage and bridging knowledge, who go the extra mile for you to get the funding approved.”

Thanks so much, David.

Address

Waterside Drive
Wigan
WN35BA

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm

Telephone

+441942235000

Website

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