TGP Mortgage & Insurance

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TGP Mortgage & Insurance Welcome to Wrexham's Independent, Fee Free Mortgage Brokers. We provide independent, whole of market mortgage and insurance advice.

We see lenders often query transactions on bank statements, ๐›๐ฎ๐ญ ๐ฐ๐ก๐š๐ญ ๐š๐ซ๐ž ๐ญ๐ก๐ž๐ฒ ๐š๐ง๐ ๐œ๐จ๐ฎ๐ฅ๐ ๐ญ๐ก๐ž๐ฒ ๐ฅ๐ž๐š๐ ๐ญ๐จ ๐š ๐๐ž๐œ๐ฅ๐ข๐ง๐ž๐ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž...
08/10/2026

We see lenders often query transactions on bank statements, ๐›๐ฎ๐ญ ๐ฐ๐ก๐š๐ญ ๐š๐ซ๐ž ๐ญ๐ก๐ž๐ฒ ๐š๐ง๐ ๐œ๐จ๐ฎ๐ฅ๐ ๐ญ๐ก๐ž๐ฒ ๐ฅ๐ž๐š๐ ๐ญ๐จ ๐š ๐๐ž๐œ๐ฅ๐ข๐ง๐ž๐ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐š๐ฉ๐ฉ๐ฅ๐ข๐œ๐š๐ญ๐ข๐จ๐ง?

๐Ÿ‡ ๐๐ž๐ญ๐ญ๐ข๐ง๐  ๐“๐ซ๐š๐ง๐ฌ๐š๐œ๐ญ๐ข๐จ๐ง๐ฌ

This is one of the most common issues lenders we uncover, regular betting transactions can lead to lenders declining your mortgage application if they feel it is too excessive.

๐Ÿšซ ๐Œ๐ข๐ฌ๐ฌ๐ž๐ ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ๐ฌ ๐จ๐ง ๐ƒ๐ข๐ซ๐ž๐œ๐ญ ๐ƒ๐ž๐›๐ข๐ญ๐ฌ

If lenders can see Direct Debits not being paid and resulting in missing these payments, even for a day or two, they will re consider the case and consider it as poor money management.

๐Ÿ”ป ๐„๐ฑ๐œ๐ž๐ฌ๐ฌ๐ข๐ฏ๐ž ๐Ž๐ฏ๐ž๐ซ๐๐ซ๐š๐Ÿ๐ญ ๐”๐ฌ๐š๐ ๐ž

Whilst being in your overdraft doesn't mean you will be declined, if you consistently reply upon or exceed your limit, this could lead to a decline.

If you would like any guidance before you apply for your mortgage & to ensure you're mortgage ready, please get in touch.

๐Ÿ“ฒ Book a call online here: https://tgpmi.co.uk/book-appointment
๐Ÿ“ฉ [email protected]
โ˜Ž๏ธ 01978 784882
๐Ÿ“ 32 Chester Street, Wrexham, LL13 8TJ

๐‘Œ๐‘œ๐‘ข๐‘Ÿ โ„Ž๐‘œ๐‘š๐‘’ (๐‘œ๐‘Ÿ ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘Ÿ๐‘ก๐‘ฆ) ๐‘š๐‘Ž๐‘ฆ ๐‘๐‘’ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘ ๐‘ ๐‘’๐‘ ๐‘ ๐‘’๐‘‘ ๐‘–๐‘“ ๐‘ฆ๐‘œ๐‘ข ๐‘‘๐‘œ ๐‘›๐‘œ๐‘ก ๐‘˜๐‘’๐‘’๐‘ ๐‘ข๐‘ ๐‘Ÿ๐‘’๐‘๐‘Ž๐‘ฆ๐‘š๐‘’๐‘›๐‘ก๐‘  ๐‘œ๐‘› ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘š๐‘œ๐‘Ÿ๐‘ก๐‘”๐‘Ž๐‘”๐‘’ ๐‘œ๐‘Ÿ ๐‘Ž๐‘›๐‘ฆ ๐‘œ๐‘กโ„Ž๐‘’๐‘Ÿ ๐‘‘๐‘’๐‘๐‘ก๐‘  ๐‘ ๐‘’๐‘๐‘ข๐‘Ÿ๐‘’๐‘‘ ๐‘œ๐‘› ๐‘–๐‘ก.

Not the post we want to be sharing, ๐›๐ฎ๐ญ ๐ก๐ž๐ซ๐ž'๐ฌ ๐š๐ง ๐ฎ๐ฉ๐๐š๐ญ๐ž ๐จ๐ง ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž๐ฌ ๐Ÿ‘‡In short, rates are increasing and now being...
07/10/2026

Not the post we want to be sharing, ๐›๐ฎ๐ญ ๐ก๐ž๐ซ๐ž'๐ฌ ๐š๐ง ๐ฎ๐ฉ๐๐š๐ญ๐ž ๐จ๐ง ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž๐ฌ ๐Ÿ‘‡

In short, rates are increasing and now being widely reported in the news.

We're seeing rates increase across the board and there seems no sign of them changing anytime soon.

๐–๐ก๐š๐ญ ๐ข๐ญ ๐ฆ๐ž๐š๐ง๐ฌ ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ ๐Ÿ‘‡

โœ… ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ก๐š๐ฏ๐ž ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐œ๐ฎ๐ซ๐ซ๐ž๐ง๐ญ๐ฅ๐ฒ ๐š๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž ๐ข๐ฌ ๐ฅ๐จ๐ฐ๐ž๐ซ ๐ญ๐ก๐š๐ง ๐Ÿ“% ๐š๐ง๐ ๐ก๐š๐ฏ๐ž ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐Ÿ” ๐ฆ๐จ๐ง๐ญ๐ก๐ฌ ๐ญ๐จ ๐ซ๐ฎ๐ง ๐จ๐ง ๐ฒ๐จ๐ฎ๐ซ ๐๐ž๐šl, you are likely better waiting until your deal is within 6 months of ending to review, but if you are unsure on what is best to do, please speak to an independent mortgage adviser.

โœ… ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ก๐š๐ฏ๐ž ๐Ÿ” ๐ฆ๐จ๐ง๐ญ๐ก๐ฌ ๐จ๐ซ ๐ฅ๐ž๐ฌ๐ฌ ๐ซ๐ž๐ฆ๐š๐ข๐ง๐ข๐ง๐  ๐จ๐ง ๐ฒ๐จ๐ฎ๐ซ ๐œ๐ฎ๐ซ๐ซ๐ž๐ง๐ญ ๐๐ž๐š๐ฅ, please seek independent mortgage advice and review and secure a new deal in plenty of time.

โœ… ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐ฅ๐จ๐จ๐ค๐ข๐ง๐  ๐š๐ญ ๐›๐ฎ๐ฒ๐ข๐ง๐ , affordability may be affected and worth checking your options and how much payments will cost you per month.

If you are in any of these situations ๐ฉ๐ฅ๐ž๐š๐ฌ๐ž ๐ฌ๐ฉ๐ž๐š๐ค ๐ญ๐จ ๐š๐ง ๐ข๐ง๐๐ž๐ฉ๐ž๐ง๐๐ž๐ง๐ญ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐›๐ซ๐จ๐ค๐ž๐ซ who can assess your situation and available products across the entire mortgage market.

We're here to help, we don't charge broker fee's and are independent.

๐๐จ๐จ๐ค ๐š ๐œ๐š๐ฅ๐ฅ ๐จ๐ง๐ฅ๐ข๐ง๐ž ๐ฐ๐ข๐ญ๐ก ๐ฎ๐ฌ:

๐Ÿ“ฒ Online: https://tgpmi.co.uk/book-appointment
โ˜Ž๏ธ Call: 01978 784882
โœ‰๏ธ Email: [email protected]

๐‘Œ๐‘œ๐‘ข๐‘Ÿ โ„Ž๐‘œ๐‘š๐‘’ ๐‘š๐‘Ž๐‘ฆ ๐‘๐‘’ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘ ๐‘ ๐‘’๐‘ ๐‘ ๐‘’๐‘‘ ๐‘–๐‘“ ๐‘ฆ๐‘œ๐‘ข ๐‘‘๐‘œ ๐‘›๐‘œ๐‘ก ๐‘˜๐‘’๐‘’๐‘ ๐‘ข๐‘ ๐‘Ÿ๐‘’๐‘๐‘Ž๐‘ฆ๐‘š๐‘’๐‘›๐‘ก๐‘  ๐‘œ๐‘› ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘š๐‘œ๐‘Ÿ๐‘ก๐‘”๐‘Ž๐‘”๐‘’. ๐ด๐‘‘๐‘ฃ๐‘–๐‘๐‘’ ๐‘ค๐‘–๐‘™๐‘™ ๐‘‘๐‘–๐‘“๐‘“๐‘’๐‘Ÿ ๐‘‘๐‘’๐‘๐‘’๐‘›๐‘‘๐‘–๐‘›๐‘” ๐‘œ๐‘› ๐‘ฆ๐‘œur ๐‘ ๐‘–๐‘ก๐‘ข๐‘Ž๐‘ก๐‘–๐‘œ๐‘›, ๐‘๐‘™๐‘’๐‘Ž๐‘ ๐‘’ ๐‘”๐‘’๐‘ก ๐‘–๐‘› ๐‘ก๐‘œ๐‘ข๐‘โ„Ž ๐‘ค๐‘–๐‘กโ„Ž โ„Ž๐‘–๐‘  ๐‘“๐‘œ๐‘Ÿ ๐‘๐‘’๐‘Ÿ๐‘ ๐‘œ๐‘›๐‘Ž๐‘™๐‘–๐‘ง๐‘’๐‘‘ ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘๐‘’.

Mortgage broker fees typically average between ยฃ300 and ยฃ600, ๐›๐ฎ๐ญ ๐ฐ๐ž ๐ฌ๐ข๐ฆ๐ฉ๐ฅ๐ฒ ๐ฃ๐ฎ๐ฌ๐ญ ๐๐จ๐ง'๐ญ ๐š๐ ๐ซ๐ž๐ž ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ข๐ฌ.Mortgage brokers ...
07/10/2026

Mortgage broker fees typically average between ยฃ300 and ยฃ600, ๐›๐ฎ๐ญ ๐ฐ๐ž ๐ฌ๐ข๐ฆ๐ฉ๐ฅ๐ฒ ๐ฃ๐ฎ๐ฌ๐ญ ๐๐จ๐ง'๐ญ ๐š๐ ๐ซ๐ž๐ž ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ข๐ฌ.

Mortgage brokers get paid commission from lenders & insurance providers too, so we don't feel it's right to charge a fee on top of that too.

Brokers who charge a fee may suggest a fee free broker doesn't offer the same service, ๐›๐ฎ๐ญ ๐ญ๐ก๐ข๐ฌ ๐ข๐ฌ ๐ฐ๐ก๐š๐ญ ๐ฐ๐ž ๐๐จ ๐Ÿ๐จ๐ซ ๐จ๐ฎ๐ซ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ..

โŒ No broker fees charged
โœ… Award winning, independent & reputable mortgage advice

๐Ÿ“ฒ Book a call online here: https://tgpmi.co.uk/book-appointment
๐Ÿ“ฉ [email protected]
โ˜Ž๏ธ 01978 784882
๐Ÿ“ 32 Chester Street, Wrexham, LL13 8TJ

๐‘Œ๐‘œ๐‘ข๐‘Ÿ โ„Ž๐‘œ๐‘š๐‘’ (๐‘œ๐‘Ÿ ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘Ÿ๐‘ก๐‘ฆ) ๐‘š๐‘Ž๐‘ฆ ๐‘๐‘’ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘ ๐‘ ๐‘’๐‘ ๐‘ ๐‘’๐‘‘ ๐‘–๐‘“ ๐‘ฆ๐‘œ๐‘ข ๐‘‘๐‘œ ๐‘›๐‘œ๐‘ก ๐‘˜๐‘’๐‘’๐‘ ๐‘ข๐‘ ๐‘Ÿ๐‘’๐‘๐‘Ž๐‘ฆ๐‘š๐‘’๐‘›๐‘ก๐‘  ๐‘œ๐‘› ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘š๐‘œ๐‘Ÿ๐‘ก๐‘”๐‘Ž๐‘”๐‘’ ๐‘œ๐‘Ÿ ๐‘Ž๐‘›๐‘ฆ ๐‘œ๐‘กโ„Ž๐‘’๐‘Ÿ ๐‘‘๐‘’๐‘๐‘ก๐‘  ๐‘ ๐‘’๐‘๐‘ข๐‘Ÿ๐‘’๐‘‘ ๐‘œ๐‘› ๐‘–๐‘ก.

๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐œ๐จ๐ฆ๐ฉ๐š๐ซ๐ข๐ฌ๐จ๐ง ๐ฌ๐ข๐ญ๐ž๐ฌ ๐š๐ซ๐ž ๐š ๐ ๐ซ๐ž๐š๐ญ ๐ญ๐จ๐จ๐ฅ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐ค๐ง๐จ๐ฐ ๐ฐ๐ก๐š๐ญ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ฅ๐จ๐จ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐š๐ง๐ ๐๐จ๐ง'๐ญ ๐ซ๐ž๐ช๐ฎ๐ข๐ซ๐ž ๐š๐๐ฏ๐ข๐œ๐ž.Mortgages can be a...
06/10/2026

๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐œ๐จ๐ฆ๐ฉ๐š๐ซ๐ข๐ฌ๐จ๐ง ๐ฌ๐ข๐ญ๐ž๐ฌ ๐š๐ซ๐ž ๐š ๐ ๐ซ๐ž๐š๐ญ ๐ญ๐จ๐จ๐ฅ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐ค๐ง๐จ๐ฐ ๐ฐ๐ก๐š๐ญ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ฅ๐จ๐จ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐š๐ง๐ ๐๐จ๐ง'๐ญ ๐ซ๐ž๐ช๐ฎ๐ข๐ซ๐ž ๐š๐๐ฏ๐ข๐œ๐ž.

Mortgages can be a mind-field, and products which appear to be the cheapest, may not be.

๐”๐ฌ๐ข๐ง๐  ๐š๐ง ๐จ๐ง๐ฅ๐ข๐ง๐ž ๐œ๐จ๐ฆ๐ฉ๐š๐ซ๐ข๐ฌ๐จ๐ง ๐ฌ๐ข๐ญ๐ž -

๐Ÿ”บ Online, and may be easier and quicker if you know the process
๐Ÿ”บ No need to book appointments with anyone or go into anywhere
๐Ÿ”บ No advice or guidance from anyone
๐Ÿ”บ Can become a mind-field and get easily confused

๐”๐ฌ๐ข๐ง๐  ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐›๐ซ๐จ๐ค๐ž๐ซ -

โœ… Expert advice & guidance all the way through
โœ… Brokers can explain the process and mortgages in much more detail
โœ… Some may charge broker fees, so will need to consider these (๐–๐ž ๐๐จ๐ง'๐ญ ๐œ๐ก๐š๐ซ๐ ๐ž)
โœ… You may not find a suitable adviser or not know where to start, we recommend speaking to people and researching online

Some people prefer speaking to someone and receiving more in depth advice & guidance, some will also prefer to do it themselves and either is fine, there is no right or wrong answer.

We're hear to help if you do need the support.

๐๐จ๐จ๐ค ๐š ๐œ๐š๐ฅ๐ฅ ๐จ๐ง๐ฅ๐ข๐ง๐ž ๐ฐ๐ข๐ญ๐ก ๐ฎ๐ฌ:

๐Ÿ“ฒ Online: https://tgpmi.co.uk/book-appointment
โ˜Ž๏ธ Call: 01978 784882
โœ‰๏ธ Email: [email protected]

๐‘Œ๐‘œ๐‘ข๐‘Ÿ โ„Ž๐‘œ๐‘š๐‘’ ๐‘š๐‘Ž๐‘ฆ ๐‘๐‘’ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘ ๐‘ ๐‘’๐‘ ๐‘ ๐‘’๐‘‘ ๐‘–๐‘“ ๐‘ฆ๐‘œ๐‘ข ๐‘‘๐‘œ ๐‘›๐‘œ๐‘ก ๐‘˜๐‘’๐‘’๐‘ ๐‘ข๐‘ ๐‘Ÿ๐‘’๐‘๐‘Ž๐‘ฆ๐‘š๐‘’๐‘›๐‘ก๐‘  ๐‘œ๐‘› ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘š๐‘œ๐‘Ÿ๐‘ก๐‘”๐‘Ž๐‘”๐‘’.

We're proud to still be ๐–๐ซ๐ž๐ฑ๐ก๐š๐ฆ'๐ฌ ๐ก๐ข๐ ๐ก๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž๐ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐›๐ซ๐จ๐ค๐ž๐ซ according to Google ๐ŸŒŸWe were also lucky enough to win ๐๐ž...
05/10/2026

We're proud to still be ๐–๐ซ๐ž๐ฑ๐ก๐š๐ฆ'๐ฌ ๐ก๐ข๐ ๐ก๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž๐ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐›๐ซ๐จ๐ค๐ž๐ซ according to Google ๐ŸŒŸ

We were also lucky enough to win ๐๐ž๐ฌ๐ญ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐ซ๐จ๐ค๐ž๐ซ ๐–๐š๐ฅ๐ž๐ฌ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ” by Prestige Awards too ๐Ÿ†

With over 100 5 star reviews, we've helped hundreds of clients move home, buy their first home or review existing mortgages.

๐Ÿ“ฒ ๐๐จ๐จ๐ค ๐š ๐œ๐š๐ฅ๐ฅ ๐จ๐ง๐ฅ๐ข๐ง๐ž ๐ก๐ž๐ซ๐ž: https://tgpmi.co.uk/book-appointment
๐Ÿ“ฉ [email protected]
โ˜Ž๏ธ 01978 784882
๐Ÿ“ 32 Chester Street, Wrexham, LL13 8TJ

๐‘Œ๐‘œ๐‘ข๐‘Ÿ โ„Ž๐‘œ๐‘š๐‘’ (๐‘œ๐‘Ÿ ๐‘๐‘Ÿ๐‘œ๐‘๐‘’๐‘Ÿ๐‘ก๐‘ฆ) ๐‘š๐‘Ž๐‘ฆ ๐‘๐‘’ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘ ๐‘ ๐‘’๐‘ ๐‘ ๐‘’๐‘‘ ๐‘–๐‘“ ๐‘ฆ๐‘œ๐‘ข ๐‘‘๐‘œ ๐‘›๐‘œ๐‘ก ๐‘˜๐‘’๐‘’๐‘ ๐‘ข๐‘ ๐‘Ÿ๐‘’๐‘๐‘Ž๐‘ฆ๐‘š๐‘’๐‘›๐‘ก๐‘  ๐‘œ๐‘› ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘š๐‘œ๐‘Ÿ๐‘ก๐‘”๐‘Ž๐‘”๐‘’ ๐‘œ๐‘Ÿ ๐‘Ž๐‘›๐‘ฆ ๐‘œ๐‘กโ„Ž๐‘’๐‘Ÿ ๐‘‘๐‘’๐‘๐‘ก๐‘  ๐‘ ๐‘’๐‘๐‘ข๐‘Ÿ๐‘’๐‘‘ ๐‘œ๐‘› ๐‘–๐‘ก.

Thanks for the lovely feedback ๐ŸŒŸ
02/10/2026

Thanks for the lovely feedback ๐ŸŒŸ

Following our post about the rumoured new scheme for new builds next year in England, many people are unaware of lenders...
01/10/2026

Following our post about the rumoured new scheme for new builds next year in England, many people are unaware of lenders now ๐จ๐Ÿ๐Ÿ๐ž๐ซ๐ข๐ง๐  ๐ฅ๐จ๐ฐ ๐จ๐ซ ๐ณ๐ž๐ซ๐จ ๐๐ž๐ฉ๐จ๐ฌ๐ข๐ญ ๐ฌ๐œ๐ก๐ž๐ฆ๐ž๐ฌ ๐ญ๐จ ๐›๐ฎ๐ฒ ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ซ๐ฌ๐ญ ๐ก๐จ๐ฆ๐ž.

Yes, it may be possible to ๐›๐ฎ๐ฒ ๐ฐ๐ข๐ญ๐ก ๐ณ๐ž๐ซ๐จ ๐๐ž๐ฉ๐จ๐ฌ๐ข๐ญ.

โœ… ๐‘๐ž๐ง๐ญ ๐ญ๐จ ๐Ž๐ฐ๐ง ๐’๐œ๐ก๐ž๐ฆ๐ž๐ฌ
This is where you have a track record of renting and some lenders can use this to allow you to get a mortgage of up to 100%.

โœ… ๐’๐ฆ๐š๐ฅ๐ฅ๐ž๐ซ ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐’๐จ๐œ๐ข๐ž๐ญ๐ข๐ž๐ฌ ๐จ๐Ÿ๐Ÿ๐ž๐ซ๐ข๐ง๐  ๐Ÿ๐ŸŽ๐ŸŽ% ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž๐ฌ
No rent history required, and could still not need any deposit at all.

โœ… ๐‹๐ฅ๐จ๐ฒ๐๐ฌ & ๐˜๐๐’ ยฃ๐Ÿ“,๐ŸŽ๐ŸŽ๐ŸŽ ๐๐ž๐ฉ๐จ๐ฌ๐ข๐ญ ๐ฌ๐œ๐ก๐ž๐ฆ๐ž๐ฌ
These lenders have similar schemes where ยฃ5,000 is required only, which is less than the common 5% most lenders require.

100% mortgages are not something to be taken lightly, there are risks involved such as negative equity and strict conditions and eligibility criteria, however they are available and may be something to consider.

๐๐จ๐จ๐ค ๐š ๐œ๐š๐ฅ๐ฅ ๐จ๐ง๐ฅ๐ข๐ง๐ž ๐ฐ๐ข๐ญ๐ก ๐ฎ๐ฌ:

๐Ÿ“ฒ Online: https://tgpmi.co.uk/book-appointment
โ˜Ž๏ธ Call: 01978 784882
โœ‰๏ธ Email: [email protected]

๐‘Œ๐‘œ๐‘ข๐‘Ÿ โ„Ž๐‘œ๐‘š๐‘’ ๐‘š๐‘Ž๐‘ฆ ๐‘๐‘’ ๐‘Ÿ๐‘’๐‘๐‘œ๐‘ ๐‘ ๐‘’๐‘ ๐‘ ๐‘’๐‘‘ ๐‘–๐‘“ ๐‘ฆ๐‘œ๐‘ข ๐‘‘๐‘œ ๐‘›๐‘œ๐‘ก ๐‘˜๐‘’๐‘’๐‘ ๐‘ข๐‘ ๐‘Ÿ๐‘’๐‘๐‘Ž๐‘ฆ๐‘š๐‘’๐‘›๐‘ก๐‘  ๐‘œ๐‘› ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘š๐‘œ๐‘Ÿ๐‘ก๐‘”๐‘Ž๐‘”๐‘’.

๐Ž๐ง๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐ฆ๐ข๐ฌ๐œ๐จ๐ง๐œ๐ž๐ฉ๐ญ๐ข๐จ๐ง๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง ๐ข๐ฌ ๐ญ๐ก๐š๐ญ ๐ญ๐ž๐ซ๐ฆ๐ข๐ง๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ ๐š๐ง๐ ๐œ๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ ๐š๐ซ...
30/09/2026

๐Ž๐ง๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐ฆ๐ข๐ฌ๐œ๐จ๐ง๐œ๐ž๐ฉ๐ญ๐ข๐จ๐ง๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง ๐ข๐ฌ ๐ญ๐ก๐š๐ญ ๐ญ๐ž๐ซ๐ฆ๐ข๐ง๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ ๐š๐ง๐ ๐œ๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ ๐š๐ซ๐ž ๐›๐š๐ฌ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ ๐ญ๐ก๐ž ๐ฌ๐š๐ฆ๐ž ๐ญ๐ก๐ข๐ง๐ .

โŒ MYTH: โ€œIf I have terminal illness cover, I don't need critical illness cover.โ€
๐Ÿ‘‰ FACT: They protect you against very different situations.

โค๏ธ ๐“๐„๐‘๐Œ๐ˆ๐๐€๐‹ ๐ˆ๐‹๐‹๐๐„๐’๐’ ๐‚๐Ž๐•๐„๐‘
Usually included as part of a life insurance policy. It can allow your life insurance benefit to be paid early if you're diagnosed with a terminal illness that meets the policy definition, typically where you're expected to die within 12 months. Think of it as accessing your life cover early.

๐Ÿฉบ ๐‚๐‘๐ˆ๐“๐ˆ๐‚๐€๐‹ ๐ˆ๐‹๐‹๐๐„๐’๐’ ๐‚๐Ž๐•๐„๐‘
Can pay a lump sum if you're diagnosed with a specific critical illness covered by your policy, such as certain cancers, heart attacks or strokes. The important point? You don't necessarily need to be terminally ill. You could receive a critical illness pay out and go on to recover or live for many years.

๐Ÿ›ก๏ธ ๐“๐‡๐„ ๐๐Ž๐“๐“๐Ž๐Œ ๐‹๐ˆ๐๐„

Terminal Illness Cover = Protection if you're diagnosed with a terminal condition.
Critical Illness Cover = Protection if you're diagnosed with a specified serious condition covered by the policy.

They can work alongside each other because they protect against different financial risks.

๐Ÿ“ž Not sure what your current protection actually covers? A protection review could help identify any gaps before you need to make a claim.

Definitions, conditions, exclusions and claim requirements vary between providers. Critical illness cover only pays where the policy definition is met. Always check the relevant policy terms and conditions

Thank you for the lovely feedback, Neil ๐ŸŒŸ
25/09/2026

Thank you for the lovely feedback, Neil ๐ŸŒŸ

Address

32 Chester Street
Wrexham
LL138TJ

Opening Hours

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

Telephone

+441978784882

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