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Jonathan Southgate - Mortgage Adviser at Sterling Southgate

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Jonathan Southgate - Mortgage Adviser at Sterling Southgate

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Jonathan Southgate at Sterling Southgate
🏡 Helping Devon Locals Secure Their Dream Home
👉🏻 Self Employed | Directors | Blended Families
⭐️ 5 Star Rated | 500+ clients helped
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28/10/2026

The Budget’s landed. Here’s what’s worth knowing if you own a home, want to buy one or rent one out. 👇

🏠 FIRST-TIME BUYERS
The announced Your First Home scheme could help eligible buyers purchase a participating new-build in England with a 2.5% deposit and a 20% government equity loan. First purchases are expected from April 2027.

The catch? The equity loan must be repaid. Interest starts after five years, and repayment is linked to your home’s value. Eligibility, property limits and mortgage affordability checks apply.

💷 SAVING YOUR DEPOSIT
The planned cash ISA limit cut has been scrapped. The annual limit stays at £20,000, within your overall ISA allowance.

🔑 LANDLORDS
Higher personal tax rates on rental income are proposed from April 2027. Review your after-tax income alongside your mortgage costs. Speak to your accountant before changing how you own a property.

⚡ HOUSEHOLD BILLS
£100 energy support has been announced for eligible council tax band A–D households in England in 2027. Moving gas standing charges into unit prices won’t automatically make everyone’s bill cheaper.

Buying, moving or coming up to remortgage? Drop us a message. We’ll help you understand what matters for your circumstances.

Information as at 28 October 2026. Announcements subject to eligibility, final rules and legislation where applicable. General information, not personalised mortgage, investment or tax advice. Mortgage availability depends on your circumstances and lender criteria.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for mortgage advice, ranging from £295 to £495 depending on your circumstances, discussed and agreed at the earliest opportunity.

Sterling Southgate, a trading style of Jonathan Paul Southgate (FCA number 945547), is an Appointed Representative of HL Partnership Limited (FCA number 303397), which is authorised and regulated by the Financial Conduct Authority.

The FCA does not regulate some aspects of buy-to-let and commercial mortgages. For UK consumers.

15/10/2026

🏚️ Looking for a property with potential? Here’s where to start!

Not every great property opportunity comes with a shiny kitchen and freshly painted walls. Sometimes, the real potential is in the properties that need a little (or a lot!) of TLC. 🔨

Here are 3 ways to find properties in need of work:

🏡 1️⃣ Councils’ Empty Homes Registers

Many local councils have dedicated Empty Homes Officers who work to bring vacant properties back into use. It’s worth contacting your local council to see what information or schemes they have available. Not all councils make their registers publicly accessible.

🔎 2️⃣ UK Distressed Property Lists

These can help you identify repossessions, probate properties and homes being sold in circumstances where a quicker sale may be preferred. Some opportunities are also advertised on Rightmove, so don’t overlook the usual property portals!

🤝 3️⃣ Reputable Property Sourcing Agents

Good sourcing agents can help you identify renovation opportunities, including properties that haven’t reached the open market. Just make sure they’re appropriately registered, compliant and transparent about their fees.

💡 Found something interesting?

Before getting carried away with the renovation plans, make sure the numbers stack up!

Consider the purchase price, renovation budget, potential end value and, importantly, how you’re going to finance it. Remember to factor in unexpected costs, too!

At Sterling Southgate, we can help you explore your mortgage and property finance options, including specialist finance.

📩 Got your eye on a project? Drop us a message. Let’s see what’s possible.

💗 Save this post for your next property hunt!

⸻

Important information

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

All finance is subject to status, lender criteria and property suitability. Some forms of property finance are not regulated by the Financial Conduct Authority.

Sterling Southgate is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

05/10/2026

Most people review their mortgage when it’s due. Far fewer check whether their everyday utility bills are still competitive.

We’ll do a free, no-obligation utilities check and see if there’s a better option available for your household.

No pressure. Just a quick check.

DM us **CHECK** and we’ll get it started.

SterlingSouthgate

26/09/2026

🏡 NEW FIRST-TIME BUYER SCHEME ANNOUNCED

A major new scheme has been announced for first-time buyers in England — and the headline numbers are eye-catching:

✅ Deposit from just 2.5%
✅ 20% equity loan towards the purchase
✅ Available on new-build homes
✅ Initial interest-free period on the equity loan

The new “Your First Home” scheme is expected to be confirmed in more detail in next month’s Budget, so there are still important questions around eligibility, property price limits and exactly how the equity loan will operate.

For anyone struggling to build a large deposit — particularly without the Bank of Mum & Dad — this could significantly change the numbers.

⚠️ Important: this is an announcement rather than a fully launched mortgage scheme, so don’t make any financial decisions based on the headline alone. We’ll be watching the detail as it emerges.

If you’re a first-time buyer and want to understand what you could afford now, what deposit you actually need, or whether waiting for the new scheme makes sense, drop me a message.

📩 DM “FIRST HOME” and I’ll talk you through your options.

HomeBuying NewBuildHome UKProperty MortgageBroker FirstTimeBuyers

23/09/2026

New property hot spot! Cullompton. On the market for offers in excess of £250,000 with .

3 bedroom family home, low maintenance garden with home office!

For more information contact Georgina to view.

You’re Home may be repossessed if you fail to maintain any loan secured against it this video is for entertainment purpose only and does not constitute advice. For advice on your past circumstances contact qualified advisor. Sterling Southgate is authorised and regulated by the financial authority and an appointed representative of HL partnership. There may be a fee for advice the exact amount will be disclosed at the first appointment.

15/09/2026

HOUSE PRICES FALLING = BAD NEWS? Not necessarily. 👀🏡

Rightmove has just dramatically changed its 2026 outlook — from +2% growth to somewhere between 0% and -2%.

For buyers and particularly people moving up the ladder, a softer market could mean:

✅ More negotiating power
✅ More choice
✅ More realistic asking prices
✅ A potentially smaller £ gap to your next home

A falling market isn’t automatically something to fear.

Sometimes the important question isn’t:

“What are house prices doing?”

It’s:

“What does this market allow ME to do?”

Thinking about moving? Drop me MOVE and we can look at the numbers. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Sterling Southgate, a trading style of Jonathan Paul Southgate (FCA registration number 945547), is an Appointed Representative of HL Partnership Limited (FCA registration number 303397) which is authorised and regulated by the Financial Conduct Authority.

29/07/2026

The highest offer doesn’t always win — the safest one does. Five things that put you top of the pile when you’re buying in Mid Devon 👇
Number 2 is the one almost nobody bothers with, and it’s the one that turns a cheeky offer into a reasonable one.
DM me OFFER and I’ll get your position sorted before you view anything.

Your home may be repossessed if you do not keep up repayments on your mortgage. Sterling Southgate is an Appointed Representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

28/07/2026

Week three. Annual leave: gone. Patience: going.

You’ve done the holiday club run, worked with one eye on the iPad, and promised them a proper beach day you haven’t managed yet. Then the post arrives and your mortgage deal ends in October.

There’s nowhere left in your week to put that. So don’t put it in your week — put it in the evening.

Kids down. Kettle on. That’s when I work. Willand, Uffculme, Halberton, Sampford Peverell, Cullompton and everywhere in between.

Comment BEDTIME and I’ll send you the evening slots I’ve got left this week. 🏡

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

*Sterling Southgate is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. A fee may be payable for mortgage advice — the amount will depend on your circumstances and will be confirmed before you proceed.

27/07/2026

🚨 A genuine bit of good mortgage news this week. Metro Bank has launched a 100% Joint Borrower Sole Proprietor mortgage — designed for buyers with the income but not the deposit, backed by a family member who won’t own any part of the property.

Won’t be right for everyone, but if you’ve been told you’re “not quite there yet”, this might change that.

Comment JBSP and I’ll DM you how it works 👇

📍 Sterling Southgate, Mid Devon
TivertonBusiness MidDevon PropertyLadder

RISK WARNING (on-screen text / pinned comment)
This video refers to a specific mortgage product available at the time of recording. Product availability, criteria and pricing can change or be withdrawn at any time and are subject to individual lender assessment and affordability checks. This is not personalised advice — please seek advice specific to your circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.

17/07/2026

Andy Burnham is now Labour leader. PM from Monday. His own Chancellor just compared him to Liz Truss — and we all remember what that did to mortgage rates last time. 👀
The name that matters even more than Burnham right now? Whoever he picks as Chancellor. That decision could move your mortgage before the Bank of England does anything.
If your fix ends in the next 6 months, this is not a week to sit on your hands.
Comment LOCK or WAIT below 👇 or DM me “CHANCELLOR” for what I’m telling my own clients.
Your home may be repossessed if you do not keep up repayments on your mortgage.
This is a general market commentary and does not constitute financial advice. Mortgage and rate outcomes depend on individual circumstances — speak to a qualified adviser before making decisions.
Sterling Southgate is a trading name of an Appointed Representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority

Address

Willand

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 5pm

Telephone

+441291470048

Website

http://sterlingsouthgate.com/

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