Chantelle Moore Hendriks Financial Solutions

01/09/2026

📊 Your credit history is only one part of a mortgage application, but missed payments, high balances and frequent credit applications could influence your options.

Checking your report early gives you time to correct errors, review existing commitments and avoid unnecessary applications before applying for a mortgage.

📩 Speak to me for help preparing for your next mortgage application. 07956 292472/[email protected] 📞📧



Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 21/07/2026

27/08/2026

Holidays, days out, childcare, events and summer activities can all add up. ☀️

If you’re planning to apply for a mortgage soon, it’s worth remembering that lenders may look at regular spending, credit commitments, loans, overdrafts and overall affordability.

You may be asking:

Will my recent spending matter?
Should I clear any debts first?
Could childcare costs reduce what I can borrow?
How can I prepare before applying?

📩 Speak to me if you’re planning a mortgage application and want to understand what lenders may consider. 07956 292472/[email protected] 📞📧


Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 21/07/2026

25/08/2026

💷 Many people have some form of sick pay or savings, but the important question is: how long would they actually last?

If illness or injury meant you couldn’t work for several months, your regular costs may still continue. Mortgage payments, rent, bills, food, childcare and travel costs do not simply pause.

Income protection is designed to provide a regular monthly benefit if you are unable to work due to illness or injury, subject to the terms of the policy.

📩 Speak to me if you’d like to understand how income protection could fit around your existing sick pay and savings. 07956 292472/[email protected] 📞📧



Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 21/07/2026

21/08/2026

Saving for a deposit can feel like one of the biggest challenges when buying a home. For some buyers, a 100% mortgage could be an option. 🏡

This means it may be possible to buy a property without putting down a traditional deposit, depending on your circumstances and the lender’s criteria.

It’s important to understand how these mortgages work, who they may be suitable for and what the monthly repayments could look like.

📩 Get in touch if you’d like to talk through whether a 100% mortgage could be worth exploring.



Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 04/08/2026

18/08/2026

📚 August can bring school planning into focus, especially if you’re thinking about moving closer to a preferred area, school or family support network.

A few questions may come up:

How much could we borrow?
Could we move before the next school year?
Would a different postcode affect property prices?
What costs should we prepare for?

As a mortgage adviser, I can help you understand your options before you start narrowing down locations.
📩 Speak to me if school plans are part of your next move. 07956 292472/[email protected] 📞📧



Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 21/07/2026

14/08/2026

If affordability is holding you back, a Joint Borrower Sole Proprietor (JBSP) mortgage could help. 🔑

This type of arrangement allows someone, often a family member, to support the mortgage application using their income, without being named as the legal owner of the property.

In some cases, this option may also work alongside a 100% mortgage, which could be helpful for buyers trying to get onto the property ladder.

As with any mortgage, eligibility and criteria will apply, and it’s important to understand the responsibilities for everyone involved.

📩 Message me if you’d like to find out how JBSP mortgages work and whether this could be suitable for your situation.



Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 04/08/2026

11/08/2026

Dreaming of spending Christmas in a new home? 🎄🏡

If that’s the plan, it may help to get moving sooner rather than later. From having an initial mortgage conversation, to finding a property, securing your mortgage and getting through the legal process, buying a home can often take around 12-16 weeks and sometimes longer depending on the chain and circumstances.

So if being in your new home by Christmas is on your mind, now is a great time to start preparing.

Whether you’re buying your first home, moving, or just want to understand your options, I’m here to help you take the next step.

Get in touch if you’d like to start the conversation. 📩 07956 292472/[email protected] 📞📧


Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 21/07/2026

04/08/2026

🏠 Mortgage affordability can feel confusing, especially when the amount you can borrow is different from what you expected.

Lenders may look at your income, regular commitments, credit history, dependants, loan payments, childcare costs, overtime, bonuses and wider household spending.

That’s why two people with similar salaries may be offered different borrowing amounts.

As a mortgage adviser, I can help you understand how affordability works and what lenders may consider.
📩 Speak to me before you start house hunting, so you have a clearer idea of your position. 07956 292472/[email protected] 📞📧



Hendriks Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 21/07/2026

01/08/2026

Elijah’s first football match Birmingham vs Barcelona 2-2 draw, great game to start him off with 🥰

31/07/2026