Tom Hewitt - Mortgage Adviser

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Tom Hewitt - Mortgage Adviser

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I am involved in the whole of the homebuying and re-mortgaging process

Mortgage and Protection Adviser, who offers a range of mortgages, that is representative of the whole of the market, but not deals that you can only obtain by going direct to a lender.

03/11/2026

🏡 MORTGAGE AFFORDABILITY – HOW MUCH CAN YOU BORROW?

Thinking about buying your first home, moving house, or remortgaging?

Understanding your mortgage affordability is the first step towards making your property dreams a reality!

💷 Your mortgage affordability will depend on:

* Your annual income and employment.
* Your monthly outgoings and existing debts.
* Your credit history.
* Your deposit amount.
* The mortgage term you choose.
* Your overall financial commitments.

✨ Let’s find out what could be possible for you!

Whether you’re a first-time buyer, home mover or looking to remortgage, getting an idea of your affordability can help you plan your next move.

📩 Get in touch today to discuss your mortgage options.

Your next chapter could start with a conversation! 🏠

02/11/2026

🎄❤️ A LITTLE TONKS OF CHRISTMAS 2026 ❤️🎄

271 children. 271 Christmas wishes. One incredible community. ❤️

We’re launching something close to our hearts — a Christmas tradition we hope will bring a little magic to local children. 🥹🎁

As parents, we know how special Christmas morning can be. Sadly, not every child gets to experience that same excitement.

We’ve teamed up with Random Act of Kindness Black Country and Kids Clothes Project to help fulfil 271 children’s Christmas gift wishes — and we need YOUR help! ❤️

🎁 HOW TO GET INVOLVED

From WEDNESDAY 4TH NOVEMBER:

🎄 Visit our Tonks office in Halesowen and pick a child’s wish from our Christmas box.

💌 Can’t pop in? Message our page and we’ll send you a photo of an available wish.

🛍️ Buy the requested gift. Whether you fulfil one wish or several, every single one matters.

❤️ Bring your gift back to our office and we’ll pass it to our charity partners.

🚗 Local to Halesowen? We can arrange collection — just ask!

📅 FINAL DROP-OFF: MONDAY 30TH NOVEMBER 2026

🙏 Please leave gifts UNWRAPPED, as requested by the charities.

Calling local businesses too! Could your team fulfil one, five or even more wishes? We’d love your support. 🎁

At Tonks, we believe in People Before Profit. This is our community coming together to put those words into action.

Let’s make all 271 wishes come true. ❤️

Please share this post and tag friends, family and local businesses who could help spread a little Christmas magic. ✨

Lots of love,
Aaron, Sarah & all the Tonks team ❤️

31/10/2026

🎃👻 No tricks, just treats… and great mortgage deals! 🏡

Don’t let your mortgage give you a fright this Halloween! 😱

Whether you’re: 🎃 Buying your first home 🕸️ Moving house 👻 Remortgaging 🍬 Looking to save money on your monthly payments

I’m here to help make your mortgage journey a little less scary!

Let’s take the fright out of your finances and make your dream home a reality. 🏡

Happy Halloween! 🎃🧡

28/10/2026

🏡 Today’s Budget – What Does It Mean for Mortgage Holders?

For millions of homeowners across the country, the big question following today’s Budget is simple: will it make our mortgages more affordable?

Families are already facing pressure from household bills, food prices and the cost of everyday living. For those coming to the end of a fixed-rate mortgage deal, the worry about monthly repayments remains very real.

Buying a home should be about building security for your family, not constantly worrying about whether you can afford the next mortgage payment.

The Budget could also influence fixed mortgage rates through changes in financial markets, although rates could move either way.

Homeowners and prospective buyers deserve clarity, stability and a fair chance to own their own home.

What are your thoughts on today’s Budget? Will it help mortgage holders, or are homeowners still being left to carry too much of the financial burden?

👇 Let’s hear your views.

23/10/2026

🏡 ADVERSE CREDIT? YOUR MORTGAGE JOURNEY MAY NOT BE OVER! 🔑

Have you been declined for a mortgage because of your credit history?

Whether you’ve had CCJs, defaults, missed payments, payday loans, or even a previous bankruptcy, there may still be mortgage options worth exploring. 💡

❤️ Don’t let your past credit history stop you from exploring your future possibilities!

✅ First-time buyers with adverse credit ✅ Previous CCJs or defaults ✅ Missed or late payments ✅ Debt management plans ✅ Self-employed applicants ✅ Remortgages with credit issues

🏠 Every situation is different, and the right options will depend on your individual circumstances, deposit, affordability and credit history.

📩 Drop me a message today for a confidential chat about your mortgage options.

✨ Your credit history is part of your story — it doesn’t have to be the end of your homeownership journey!

📲 Message me today to take the first step.

22/10/2026

🏡 HOW MUCH MORTGAGE CAN YOU REALLY AFFORD?

It's not just about how much you earn. Your dream home should fit your lifestyle, not stretch your finances to the limit.

💷 Lenders will look at:
✓ Your income and employment
✓ Monthly bills and living expenses
✓ Credit history and existing debts
✓ Your deposit and regular commitments

The goal? A mortgage you can comfortably afford.

Don't just ask, “How much can I borrow?” Ask, “How much can I afford to repay while still enjoying life?”

Thinking of buying your first home or remortgaging? 📩 Send me a message to discuss your mortgage options. 📞

22/10/2026

Lovely to get great feedback from a happy client today 😀👍🏠. Love my job ❤️

16/10/2026

Great to catch up with Aaron and the team this morning.
More importantly, it was great to see Aaron up on his feet after what happened just over a week ago 👏👍. Keep up the fantastic work with the recovery mate, you’re doing unbelievable.
Thanks for the merchandise as well, Love it.
Such a great team to be a part of. ❤️🏠.

13/10/2026

When you break the news to first time buyers late on Friday to say offer has been accepted 😁😁then follow up with them on Monday and they’ve already ordered furniture 😂.
This is why I love my job 😁🏠

06/10/2026

🏡 NEW GOVERNMENT FIRST HOME SCHEME 🏡

Thinking about buying your first home? 🏠✨

A new government first-home scheme could help eligible first-time buyers get onto the property ladder with support designed to make buying a home more achievable.

If you’re renting and dreaming of owning your own home, now could be a good time to find out what support you may be entitled to.

📌 Are you a first-time buyer?
📌 Want to know if you qualify?
📌 Need help understanding how the scheme works?

Drop me a message or comment “FIRST HOME” below and I’ll be happy to point you in the right direction

Address

Wolverhampton

Telephone

+447709452496

Website

http://www.mortgageadvicebureau.com/dudley

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