Tina Cranfield Financial Services, Mortgage and Protection Adviser

Tina Cranfield Financial Services, Mortgage and Protection Adviser Tina Cranfield Financial Services is a Lincolnshire based company and have access to a wide range of products.
(1)

My expertise and personal approach offers you the right advice to suit your needs. Your home may be repossessed if you do not keep up repayment

Thinking about moving but not sure if you can afford it?You’re not alone.Many families assume they can’t move until they...
17/06/2026

Thinking about moving but not sure if you can afford it?

You’re not alone.

Many families assume they can’t move until they speak to an adviser.

But often the biggest surprise is discovering what’s actually possible.

Whether it’s using equity from your current home or understanding what lenders may offer, having a conversation early can open more doors than you might expect.

Sometimes the move you’ve been dreaming about is closer than you think.



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

“Are mortgages harder to get in 2026?”They’re different.Lenders assess carefully. Rates fluctuate. Criteria shifts.But p...
15/06/2026

“Are mortgages harder to get in 2026?”
They’re different.

Lenders assess carefully. Rates fluctuate. Criteria shifts.

But people are still buying homes every single day.

Preparation, education and realistic expectations make all the difference.
The right guidance turns uncertainty into a plan.

And that’s exactly what we’re here for.



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

“What if house prices fall after I buy?”It’s a fear many don’t say out loud.Buying your first home isn’t about short-ter...
12/06/2026

“What if house prices fall after I buy?”

It’s a fear many don’t say out loud.

Buying your first home isn’t about short-term headlines.

It’s about:
• Stability
• Independence
• Long-term plans

Property markets move in cycles.
Your first home is a life decision, not a stock trade.

Perspective makes a big difference.



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

No one tells you this about buying your first home…Most first time buyers think the hardest part is saving the deposit.B...
10/06/2026

No one tells you this about buying your first home…

Most first time buyers think the hardest part is saving the deposit.

But honestly?

The hardest part is knowing where to start.

Mortgage options, lender criteria, paperwork, timelines… it can feel overwhelming before you’ve even viewed a house.

The good news is you don’t have to figure it out alone.

A big part of what we do is help people understand the process step by step so the whole journey feels clearer, calmer, and far more exciting.

Your first home should feel exciting, not stressful.



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

“Can I use a gifted deposit?”Family support is more common than ever.Yes — gifted deposits are accepted by many lenders....
08/06/2026

“Can I use a gifted deposit?”

Family support is more common than ever.

Yes — gifted deposits are accepted by many lenders.

But there are rules:

• It must usually be a genuine gift
• The source needs verifying
• Paperwork is required

Handled properly, it can be the boost that gets you onto the ladder sooner.

Support isn’t cheating. It’s teamwork.



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

“What costs do I need to budget for?”It’s not just the deposit.We see buyers caught out by the extras:• Solicitor fees• ...
05/06/2026

“What costs do I need to budget for?”

It’s not just the deposit.

We see buyers caught out by the extras:
• Solicitor fees
• Survey costs
• Moving expenses
• Stamp duty (in some cases)

The best feeling? Knowing your full budget upfront.

Clarity removes last-minute stress.
We always map the whole picture so there are no surprises.



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

“Can I get a mortgage with a low deposit?”Yes. And you’re not the only one asking.We speak to so many first time buyers ...
03/06/2026

“Can I get a mortgage with a low deposit?”

Yes. And you’re not the only one asking.

We speak to so many first time buyers who think they need a huge lump sum saved before even thinking about a mortgage.

The truth? Some lenders accept 5% deposits.

The challenge isn’t always the deposit — it’s knowing which lenders fit your circumstances.

Our advice?

Don’t wait until you feel “perfectly ready.” Let’s look at your numbers and build a plan around you.

Buying your first home might be closer than you think.



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

“Can I buy if I’m self-employed?”Yes — but preparation matters.We work with freelancers, contractors and business owners...
01/06/2026

“Can I buy if I’m self-employed?”

Yes — but preparation matters.

We work with freelancers, contractors and business owners every week.

The key is understanding:
• How your income is assessed
• What accounts are needed
• Which lenders are flexible

Being your own boss shouldn’t stop you owning your own home.

It just needs the right approach.



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

“Should I fix my mortgage rate now or wait?”It’s the question of 2026.Rates move. Headlines shout. Social media panics.B...
29/05/2026

“Should I fix my mortgage rate now or wait?”

It’s the question of 2026.

Rates move. Headlines shout. Social media panics.

But the right choice isn’t about timing the market perfectly.

It’s about:
• Your budget
• Your risk comfort
• Your future plans

We help you understand the pros and cons so you choose confidently — not fearfully.

There’s no one-size-fits-all answer. Only what’s right for you.



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

“Can I get a mortgage with bad credit?”Short answer? Sometimes, yes.We know how disheartening it feels to think a past m...
27/05/2026

“Can I get a mortgage with bad credit?”

Short answer? Sometimes, yes.

We know how disheartening it feels to think a past mistake might hold you back forever.

But not all lenders think the same.
Some look at the story behind the credit blip. Others focus on how you’ve managed things recently.

The key?

Don’t assume you’ll be declined before speaking to someone who understands the full market.

There are more options than most people realise.



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

Address

Suite 1, Matthew Temple House, The Broadway
Woodhall Spa
LN106ST

Telephone

+447840740047

Website

Alerts

Be the first to know and let us send you an email when Tina Cranfield Financial Services, Mortgage and Protection Adviser posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Tina Cranfield Financial Services, Mortgage and Protection Adviser:

Shortcuts

Share

Category