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Mortgage Studio Mortgage advice tailored to you. Helping first-time buyers, home movers and remortgage clients in Worthing, Sussex and beyond.

Life’s curveballs don’t wait for you to have the right cover in place…Illness is something that cannot often be predicte...
18/10/2026

Life’s curveballs don’t wait for you to have the right cover in place…

Illness is something that cannot often be predicted, and health isn't always guaranteed.

Your ability to focus on recovery, not bills, should be your priority.

Critical illness cover could provide a vital financial safety net.

It ensures you and your loved ones have the support needed during the toughest times.

Don't let the unexpected catch you unprepared. Get in touch today! ☎️

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Many people think having a default on your record means the end of their mortgage dreams. 😟It’s understandable to feel t...
14/10/2026

Many people think having a default on your record means the end of their mortgage dreams. 😟

It’s understandable to feel that way and worry about your choices.

But here’s the good news: it doesn't have to be. 🙌

Our team specialises in finding suitable options for those with unique financial histories.

We have access to lenders who understand that life happens and look at cases individually, not just a credit score.

We handle all the research and do the talking for you. ✅

Let's chat about your options. 📞

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

In real life, buying a home or arranging your mortgage isn’t about chance or lucky rolls. It’s a big move, not a game yo...
12/10/2026

In real life, buying a home or arranging your mortgage isn’t about chance or lucky rolls. It’s a big move, not a game you want to get wrong. 🏡

That’s where we come in. We’ll help you navigate the mortgage ‘board’ with clarity and confidence.

We do the legwork, exploring options and helping you steer clear of any unexpected financial setbacks. 🙌

Let’s talk through your options. 📞

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

Mortgage rates have been all over the place the last few weeksBecause of the recent changes, a deal you spot today may n...
11/10/2026

Mortgage rates have been all over the place the last few weeks

Because of the recent changes, a deal you spot today may not be there for long. Timing can make a real difference. ⏳

We follow the market closely so we can keep you updated and help you understand how these changes could impact your options.

If you’re exploring a mortgage, we’re here to help you act while the right opportunity is still available.

Book a chat. ☎️"

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

Heading to your bank for a mortgage might feel like the simple option. 🤔But here's the huge catch. You're only seeing th...
07/10/2026

Heading to your bank for a mortgage might feel like the simple option. 🤔

But here's the huge catch. You're only seeing that one lender's products, not what else is out there across the market.

There's no one checking the paperwork with you, matching you to criteria, or fielding those tricky estate agent questions.

And if something’s filled in incorrectly or you don’t meet the lender’s criteria, your application could be declined. You may then have to start again with another lender, while the original hard credit search remains visible on your credit file.

That's a lot to carry alone on one of the biggest purchases you'll make. 📋

Speaking to us costs you nothing but could save you a lot of stress, and possibly money too.

We'll do the checking, the comparing, and the explaining, so you don't have to guess your way through it. 💬

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

A new scheme has been announced that could make buying a first home more accessible for some first-time buyers in Englan...
05/10/2026

A new scheme has been announced that could make buying a first home more accessible for some first-time buyers in England 🏡

The government's new Your First Home scheme is expected to allow eligible buyers to purchase a participating new-build with a deposit of just 2.5%, supported by a government-backed equity loan of up to 20%.

Using the average new-build price of £361,730 as an example, that would mean finding around £9,043 for the deposit.

And the small deposit may not necessarily mean paying typical 97.5% mortgage rates.

If the scheme works like the previous Help to Buy equity loan, a 2.5% deposit plus a 20% equity loan would leave the mortgage lender providing around 77.5% of the property value. Lower loan-to-value mortgages generally attract more competitive rates than very high LTV borrowing.

There could be another saving too. New-build homes are typically more energy efficient than older properties, which can mean lower heating and energy bills.

The equity loan will also have an initial interest-free period.

There are still details to come, including income limits, local property price caps, costs and the launch date, which are expected to be confirmed at the Budget.

Want to know what this could mean for you? Get in touch 📲

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

Source: https://www.gov.uk/government/news/new-first-time-buyer-scheme-to-be-confirmed-at-budget? https://www.gov.uk/government/statistics/uk-house-price-index-for-may-2026/uk-house-price-index-summary-may-2026?

Let's talk about the good news news first. 🤩Getting an agreement in principle does not leave a lasting mark on your cred...
30/09/2026

Let's talk about the good news news first. 🤩

Getting an agreement in principle does not leave a lasting mark on your credit score.

It usually involves a soft search, which only you can see. It won't affect how lenders view you later on.

Where it can matter is if you apply for lots of these in a short space of time.

Multiple hard searches from full applications can add up and make lenders a bit more cautious.

An agreement in principle is really just a lender's early estimate of what they might lend you, based on the details you give them.

It's a useful step before house hunting, giving you a rough budget to work with. 💷

Thinking about getting one sorted?

Speak to us and we'll talk you through it. 🏡

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

We get it, house hunting is half spreadsheet, half daydream.You send the Rightmove link 📄We check what you can actually ...
28/09/2026

We get it, house hunting is half spreadsheet, half daydream.

You send the Rightmove link 📄

We check what you can actually afford and how the rates stack up (and we're just as happy as you are when you find your dream home)! 🔢

But quietly, we're also having opinions about that kitchen tile choice

Someone has to!

Once your offer gets accepted, that's when we really get to work. 💪🏼

Sorting your mortgage, explaining every step in plain English, and shaping it all around what you actually need

No jargon, no confusion, just us in your corner with tailored advice from Rightmove link to keys 🏡

Send us the next listing. We'll sort the sums and enjoy the decor scroll with you. ☎️

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

That unexpected bill lands, and suddenly your overdraft looks like a trusty friend. 🤔It’s a common story, but could dipp...
27/09/2026

That unexpected bill lands, and suddenly your overdraft looks like a trusty friend. 🤔

It’s a common story, but could dipping into your overdraft affect your chances when applying for a mortgage?

The truth is, it depends on how much you're using it, how often, and if you ever go over your agreed limit. 🏡

Mortgage lenders look at your finances closely, and everyone's circumstances are different.

Our team is here to go through your unique situation and help you understand how your overdraft might be viewed.

We handle the research to find suitable options, making the whole process much clearer for you.

Let's chat about your options. 📱

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

Thinking that protection is beyond your budget is a common misunderstanding. Many people believe cover is expensive, but...
24/09/2026

Thinking that protection is beyond your budget is a common misunderstanding.

Many people believe cover is expensive, but it can actually cost less than you might expect. 💷

You could be spending more on your monthly takeaways than on safeguarding your future each month. ☕

Knowing your options is how you gain control over your financial peace of mind.

Our team helps you find protection that truly fits your life, your wallet, and your aspirations, without the fuss.

Let's chat about your options. 📞

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

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