Tom Pitman - Independent Fee Free Mortgage Adviser

16/10/2026

Thank you to Jordan for the recent feedback, it's much appreciated 🌟

15/10/2026

Using a 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫 vs 𝐃𝐨𝐢𝐧𝐠 𝐈𝐭 𝐘𝐨𝐮𝐫𝐬𝐞𝐥𝐟.. 🤷‍♂️

Here's a breakdown of how 𝐠𝐨𝐢𝐧𝐠 𝐝𝐢𝐫𝐞𝐜𝐭𝐥𝐲 𝐭𝐨 𝐲𝐨𝐮𝐫 𝐛𝐚𝐧𝐤 and 𝐮𝐬𝐢𝐧𝐠 𝐜𝐨𝐦𝐩𝐚𝐫𝐢𝐬𝐨𝐧 𝐬𝐢𝐭𝐞𝐬 compare to using a mortgage broker, like ourselves.

📲 Book a call online here: https://tgpmi.co.uk/book-appointment
📩 [email protected]
☎️ 01978 784882
📍 32 Chester Street, Wrexham, LL13 8TJ

𝑌𝑜𝑢𝑟 ℎ𝑜𝑚𝑒 (𝑜𝑟 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦) 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑑𝑒𝑏𝑡𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑜𝑛 𝑖𝑡.

14/10/2026

Many people know they should have insurance in place, but they're not always sure which type of cover does what.

Here's a simple guide:

❤️ Life Cover

𝐏𝐫𝐨𝐛𝐥𝐞𝐦 𝐢𝐭 𝐬𝐨𝐥𝐯𝐞𝐬: Your family would struggle financially if you died.
𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: A lump sum payment to help support your loved ones, pay off debts or cover living costs.

🩺 Critical Illness Cover

𝐏𝐫𝐨𝐛𝐥𝐞𝐦 𝐢𝐭 𝐬𝐨𝐥𝐯𝐞𝐬: You're diagnosed with a serious illness and need financial support during recovery.
𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: A tax-free lump sum that can be used however you choose, whether that's paying the mortgage, replacing lost income or adapting your home.

💼 Income Protection

𝐏𝐫𝐨𝐛𝐥𝐞𝐦 𝐢𝐭 𝐬𝐨𝐥𝐯𝐞𝐬: You can't work due to illness or injury.
𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: A regular monthly income to help cover your essential bills while you recover.

𝐓𝐡𝐢𝐧𝐤 𝐨𝐟 𝐢𝐭 𝐥𝐢𝐤𝐞 𝐭𝐡𝐢𝐬:

✔️ Life Cover protects your family's future.
✔️ Critical Illness Cover protects your recovery.
✔️ Income Protection protects your monthly income.

Not sure which protection is right for you? We're here to help and advise.

📲 Book a call online here: https://tgpmi.co.uk/book-appointment

𝑌𝑜𝑢𝑟 ℎ𝑜𝑚𝑒 (𝑜𝑟 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦) 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑑𝑒𝑏𝑡𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑜𝑛 𝑖𝑡.

13/10/2026

With some uncertainty still in the market currently, and some lenders only offering new products to existing customers up to 4 months before, 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐥𝐨𝐜𝐤 𝐢𝐧 𝐚 𝐫𝐚𝐭𝐞 𝐰𝐢𝐭𝐡 𝐚 𝐧𝐞𝐰 𝐥𝐞𝐧𝐝𝐞𝐫 𝐮𝐩 𝐭𝐨 𝟔 𝐦𝐨𝐧𝐭𝐡𝐬 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮𝐫 𝐝𝐞𝐚𝐥 𝐞𝐧𝐝𝐬.

Here at TGP, we can secure this in advance, but also 𝐦𝐨𝐧𝐢𝐭𝐨𝐫 𝐭𝐡𝐞 𝐫𝐚𝐭𝐞𝐬 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 𝟔 𝐦𝐨𝐧𝐭𝐡𝐬, we are then able to review and potentially secure a new, lower rate if rates reduce within this time.

If you need any support and would like us to review your deal please get in touch -

📲 Book a call online here: https://tgpmi.co.uk/book-appointment
📩 [email protected]
☎️ 01978 784882
📍 32 Chester Street, Wrexham, LL13 8TJ

𝑌𝑜𝑢𝑟 ℎ𝑜𝑚𝑒 (𝑜𝑟 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦) 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑑𝑒𝑏𝑡𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑜𝑛 𝑖𝑡.

09/10/2026

A wonderful review for one of our advisers Wendy 👏

If you'd like to arrange a call with Wendy, you can do so 𝐡𝐞𝐫𝐞: https://calendly.com/wendy-tgpmi/initial-mortgage-meeting

08/10/2026

We see lenders often query transactions on bank statements, 𝐛𝐮𝐭 𝐰𝐡𝐚𝐭 𝐚𝐫𝐞 𝐭𝐡𝐞𝐲 𝐚𝐧𝐝 𝐜𝐨𝐮𝐥𝐝 𝐭𝐡𝐞𝐲 𝐥𝐞𝐚𝐝 𝐭𝐨 𝐚 𝐝𝐞𝐜𝐥𝐢𝐧𝐞𝐝 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐚𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧?

🏇 𝐁𝐞𝐭𝐭𝐢𝐧𝐠 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬

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.

🚫 𝐌𝐢𝐬𝐬𝐞𝐝 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐨𝐧 𝐃𝐢𝐫𝐞𝐜𝐭 𝐃𝐞𝐛𝐢𝐭𝐬

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.

🔻 𝐄𝐱𝐜𝐞𝐬𝐬𝐢𝐯𝐞 𝐎𝐯𝐞𝐫𝐝𝐫𝐚𝐟𝐭 𝐔𝐬𝐚𝐠𝐞

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.

📲 Book a call online here: https://tgpmi.co.uk/book-appointment
📩 [email protected]
☎️ 01978 784882
📍 32 Chester Street, Wrexham, LL13 8TJ

𝑌𝑜𝑢𝑟 ℎ𝑜𝑚𝑒 (𝑜𝑟 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦) 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑑𝑒𝑏𝑡𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑜𝑛 𝑖𝑡.

08/10/2026

07/10/2026

Not the post we want to be sharing, 𝐛𝐮𝐭 𝐡𝐞𝐫𝐞'𝐬 𝐚𝐧 𝐮𝐩𝐝𝐚𝐭𝐞 𝐨𝐧 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬 👇

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.

𝐖𝐡𝐚𝐭 𝐢𝐭 𝐦𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐲𝐨𝐮 👇

✅ 𝐈𝐟 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐜𝐮𝐫𝐫𝐞𝐧𝐭𝐥𝐲 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞 𝐢𝐬 𝐥𝐨𝐰𝐞𝐫 𝐭𝐡𝐚𝐧 𝟓% 𝐚𝐧𝐝 𝐡𝐚𝐯𝐞 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟔 𝐦𝐨𝐧𝐭𝐡𝐬 𝐭𝐨 𝐫𝐮𝐧 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐝𝐞𝐚l, 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.

✅ 𝐈𝐟 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝟔 𝐦𝐨𝐧𝐭𝐡𝐬 𝐨𝐫 𝐥𝐞𝐬𝐬 𝐫𝐞𝐦𝐚𝐢𝐧𝐢𝐧𝐠 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐝𝐞𝐚𝐥, please seek independent mortgage advice and review and secure a new deal in plenty of time.

✅ 𝐈𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐚𝐭 𝐛𝐮𝐲𝐢𝐧𝐠, 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 𝐩𝐥𝐞𝐚𝐬𝐞 𝐬𝐩𝐞𝐚𝐤 𝐭𝐨 𝐚𝐧 𝐢𝐧𝐝𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐭 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐫𝐨𝐤𝐞𝐫 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.

𝐁𝐨𝐨𝐤 𝐚 𝐜𝐚𝐥𝐥 𝐨𝐧𝐥𝐢𝐧𝐞 𝐰𝐢𝐭𝐡 𝐮𝐬:

📲 Online: https://tgpmi.co.uk/book-appointment
☎️ Call: 01978 784882
✉️ Email: [email protected]

𝑌𝑜𝑢𝑟 ℎ𝑜𝑚𝑒 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒. 𝐴𝑑𝑣𝑖𝑐𝑒 𝑤𝑖𝑙𝑙 𝑑𝑖𝑓𝑓𝑒𝑟 𝑑𝑒𝑝𝑒𝑛𝑑𝑖𝑛𝑔 𝑜𝑛 𝑦𝑜ur 𝑠𝑖𝑡𝑢𝑎𝑡𝑖𝑜𝑛, 𝑝𝑙𝑒𝑎𝑠𝑒 𝑔𝑒𝑡 𝑖𝑛 𝑡𝑜𝑢𝑐ℎ 𝑤𝑖𝑡ℎ ℎ𝑖𝑠 𝑓𝑜𝑟 𝑝𝑒𝑟𝑠𝑜𝑛𝑎𝑙𝑖𝑧𝑒𝑑 𝑎𝑑𝑣𝑖𝑐𝑒.

07/10/2026

Mortgage broker fees typically average between £300 and £600, 𝐛𝐮𝐭 𝐰𝐞 𝐬𝐢𝐦𝐩𝐥𝐲 𝐣𝐮𝐬𝐭 𝐝𝐨𝐧'𝐭 𝐚𝐠𝐫𝐞𝐞 𝐰𝐢𝐭𝐡 𝐭𝐡𝐢𝐬.

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, 𝐛𝐮𝐭 𝐭𝐡𝐢𝐬 𝐢𝐬 𝐰𝐡𝐚𝐭 𝐰𝐞 𝐝𝐨 𝐟𝐨𝐫 𝐨𝐮𝐫 𝐜𝐥𝐢𝐞𝐧𝐭𝐬..

❌ No broker fees charged
✅ Award winning, independent & reputable mortgage advice

📲 Book a call online here: https://tgpmi.co.uk/book-appointment
📩 [email protected]
☎️ 01978 784882
📍 32 Chester Street, Wrexham, LL13 8TJ

𝑌𝑜𝑢𝑟 ℎ𝑜𝑚𝑒 (𝑜𝑟 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦) 𝑚𝑎𝑦 𝑏𝑒 𝑟𝑒𝑝𝑜𝑠𝑠𝑒𝑠𝑠𝑒𝑑 𝑖𝑓 𝑦𝑜𝑢 𝑑𝑜 𝑛𝑜𝑡 𝑘𝑒𝑒𝑝 𝑢𝑝 𝑟𝑒𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠 𝑜𝑛 𝑦𝑜𝑢𝑟 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑑𝑒𝑏𝑡𝑠 𝑠𝑒𝑐𝑢𝑟𝑒𝑑 𝑜𝑛 𝑖𝑡.