Gaby Mortgages

Gaby Mortgages 🏡CeMAP Qualified Advisor 👉🏼Helping YOU get onto the property ladder 💴Follow for Homebuying tips!

Paying £1,200 a month in rent but told you can’t afford an £800 mortgage? 🤯It might feel backwards, but lenders look at ...
18/08/2026

Paying £1,200 a month in rent but told you can’t afford an £800 mortgage? 🤯

It might feel backwards, but lenders look at much more than what you currently pay in rent.

And remember — every lender assesses affordability differently. 👀

One lender saying no doesn’t necessarily mean it’s a no across the board.

That’s where finding the right lender for your circumstances can make all the difference. 🏡🔑

📩 Want to know what you could potentially borrow? Drop me a message.



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

16/08/2026

Life wasn’t stressful enough apparently 😂🏡

❌ MYTH: Using a mortgage broker always costs more.Not necessarily!Yes, some mortgage brokers charge a fee — but a broker...
10/08/2026

❌ MYTH: Using a mortgage broker always costs more.

Not necessarily!

Yes, some mortgage brokers charge a fee — but a broker can search across multiple lenders, compare different products and help find the most suitable deal for your circumstances.

And it’s not just about the interest rate. Fees, incentives, eligibility and the overall cost of the mortgage all matter too.

Sometimes paying for the right advice could actually save you money — as well as a lot of time and stress.

📩 Not sure where to start with your mortgage? Drop me a message.

09/08/2026

Did you know some benefits can count towards your income when applying for a mortgage? 🏡💷

Depending on the lender, income such as Child Benefit, Universal Credit, PIP/DLA, Carer’s Allowance and even child maintenance may be taken into consideration.

The important part? 👇
Every lender has different criteria. Some may accept 100% of certain income, while others may only use a percentage or have additional requirements.

So, if you receive benefits, don’t automatically assume you won’t qualify for a mortgage.

📩 Message me and I can look at your individual circumstances and see what options may be available.

Can you keep your home after a separation? 🏡For this client, we were able to make it work 🙌Her property was valued at £1...
08/08/2026

Can you keep your home after a separation? 🏡

For this client, we were able to make it work 🙌

Her property was valued at £192,973, with £64,000 remaining on the mortgage.

Through the remortgage, she was able to raise:

💷 £43,000 to buy out her ex-partner
💳 £15,000 towards consolidating existing debts
🏡 New mortgage: £122,000

The product also included FREE legal work and a FREE valuation — and the mortgage offer was received in just 7 days! 🎉

Separation doesn’t always mean you have to sell your home. If you’re in a similar situation and want to know what your options are, drop me a message 📩

Your home may be repossessed if you do not keep up repayments on your mortgage. Consolidating debts may reduce monthly payments but could increase the total amount repayable.

06/08/2026

🚨 Mortgage Myth: You need a 20% deposit to buy a home.

Not true.

Many people delay buying because they think they need to save tens of thousands of pounds first. In reality, some lenders offer mortgages with deposits from just 5% (subject to eligibility).

Every situation is different, so before you rule yourself out, it’s worth finding out what’s actually possible.

Thinking about buying your first home? Send me a “HOME” in my DMs and I’ll help you understand your options. 🏡

👇 Did you think you needed a 20% deposit? Let me know in the comments.

02/08/2026

The truth is, lenders don’t just look at what you’re paying now. They assess affordability using your income, outgoings, credit commitments, stress tests, and deposit size.

It can feel frustrating, but being declined doesn’t always mean homeownership is out of reach. Sometimes it’s just about finding the right lender or putting a plan in place.

Thinking of buying your first home? Send me a DM and let’s see what your options are.

The biggest mortgage myth? That if one lender says no, they all will. 🏡Every lender has different affordability calculat...
30/07/2026

The biggest mortgage myth? That if one lender says no, they all will. 🏡

Every lender has different affordability calculations, income criteria and lending policies.

Before giving up on buying your first home, speak to a broker. You might have more options than you think.

📩 My inbox is always open if you’d like me to check.”

28/07/2026

People think I just “help people get mortgages”… but the reality is a lot more entertaining. If you know, you know. 🤣🏡

Thinking about buying your first home or remortgaging? My inbox is always open.

Address

Wolverhampton

Opening Hours

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

Telephone

+447415510665

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