Inca Financial - Property Finance

Inca Financial - Property Finance 🏠| Specialists in Property Finance, Mortgages and Insurance
🤝| Supporting homeowners, business owners & investors
🌟| 5-Star rated by people just like YOU

28/05/2026

You insured the house.
But the person that actually pays the mortgage?
That’s usually the part left unprotected.

It’s a more common problem than people think.

A lot of homeowners have buildings insurance in place…
But far fewer have anything protecting their income. Their health. Their family if the worst happens.

And yet, those are the things that actually keep the mortgage running.
Your home may be repossessed if you do not keep up with repayments on your mortgage.

Is this a pressure you want to face when the unexpected happens?

Protection isn’t just one thing.
It can cover things like being off work with an injury, needing time out for your mental health, or losing the main household income if something unexpected happens.

All designed around different “what if” scenarios.

Most people don’t ignore it on purpose, it just gets overlooked in the process or dismissed as “It won’t happen to me”.

If you’ve got a mortgage (or you’re getting one), it’s worth understanding what would actually happen if life didn’t go to plan.
And you’re part of the unfortunate percentage who does end up needing to use it.

At Inca Financial, we offer a wide range of protection services including life cover, critical illness cover and income protection tailored to your situation.
Your budget.
Your needs.

Comment “protection” and we will work out what plan is best for you.

________________________________________________

This post is for general information only and does not constitute financial advice.

13/05/2026

New era loading… 👀

Most people will see the latest Bank of England update and assume nothing’s changed.On the surface, they’d be right.The ...
12/05/2026

Most people will see the latest Bank of England update and assume nothing’s changed.

On the surface, they’d be right.

The base rate is still 3.75%, and it’s been held again.

But that doesn’t mean the mortgage market is standing still.

Here’s what’s really going on:

🏡 Fixed mortgage rates don’t follow the base rate directly.
⚖️ They track swap rates, which reflect where the market thinks interest rates are heading.

And right now?

Those expectations have been moving around a lot.

We’ve seen mortgage rates rise sharply earlier this year, with some lenders only just starting to ease pricing slightly in recent weeks.

So what does that mean for you?

It means the market isn’t moving in a straight line.

There isn’t a clear “perfect moment” coming.

And waiting for one can just as easily cost you as benefit you.

Whether you’re:
✨ Buying your first home
✨ Planning a move
✨ Or approaching the end of a fixed deal

The smartest move right now isn’t guessing the market.

It’s understanding your options.

A good mortgage adviser doesn’t just find a rate today.
They track the market and help you adapt if better opportunities appear.

If you want clear, jargon-free guidance on what’s possible for you right now, feel free to get in touch.

No pressure. Just a conversation.

22/04/2026

Self-employed or a sole trader?

If you’re applying for a mortgage, your SA302 is one of the most important documents you’ll need.

It’s an official HMRC summary of your income and most lenders won’t proceed without it.

In our recent blog, we’ve broken down:
✔ What an SA302 is
✔ Why lenders require it
✔ How to download it in minutes

🔗Link in bio.
📌 Save this for when you apply
📤 Share it with someone going through a mortgage application

For more mortgage advice, drop us a follow.

17/04/2026

“A £10 Klarna miss just killed your mortgage.”

That’s the kind of line doing the rounds right now.

And it’s designed to make people panic.

Here’s the reality.

It’s not the £10.

It’s the footprint.

A missed ‘Buy Now Pay Later’ payment.
An old account still showing a black mark
A bill from years ago that never quite cleared.

On their own, they’re small.

‘It will be ok’ I hear you say

But lenders look at behaviour.

Consistency.
Reliability.
Patterns over time.

That’s what drives decisions.

And this is where people get caught out.

“It’s only £10.”
“It was ages ago.”
“It won’t matter.”

Sometimes it doesn’t.

Sometimes it does.

Better to know before you apply.

Because once you understand your position…

You can plan it properly.
Place it correctly.
Avoid problems.

Have you actually checked what’s sitting on your file?

– Use Checkmyfile to unlock the most detailed credit report out there. Trusted by millions for nearly 25 years and rated ‘Excellent’ on Trustpilot. Monitor your score, make sense of the data, and learn the habits to keep your credit health in check for a stronger financial future. Try it FREE, then it’s a paid monthly subscription – cancel online anytime

🔗 Link in bio

08/04/2026

We’ve been busy behind the scenes… 👀

With our team growing and more clients coming through the door, we’ve introduced a new office number to keep things running smoothly and get you straight through to the right person.

📞 Save our new number: 01904 230 051

New digits. Same trusted and expert advice.

Want expert mortgage and protection help?
Call the Inca Financial team today.

01/04/2026

👋🏼 Meet Sam – the newest member of our operational team at Inca Financial! 👋🏼

Sam joined us in late February and has already hit the ground running, diving into marketing, improving internal processes, and working on a very important project with John (all will be revealed soon!). Her energy, positivity, and enthusiasm have made her a fantastic addition to the team.

A fellow coffee lover and foodie, Sam has quickly settled in. Please give her a warm welcome… and fair warning: she’s a talker!

🐣 Easter Opening Hours🐣We’re off for a few days over Easter, so replies might be a little slower than usual. If you mess...
31/03/2026

🐣 Easter Opening Hours🐣

We’re off for a few days over Easter, so replies might be a little slower than usual. If you message while we’re closed, we’ll pick it up as soon as we’re back.

Here’s our opening hours:

🏡 Thursday 2nd April – 9am to 5pm
❌ Friday 3rd April – Closed
❌ Saturday 4th April – Closed
❌ Sunday 5th April – Closed
❌ Monday 6th April – Closed
🏡 Tuesday 7th April – 9am to 5pm

Thanks for your patience, and we’ll respond as soon as we can once we’re back.

We hope you have an ‘egg-cellent’ and relaxing Easter break! Enjoy the long weekend.

28/03/2026

“You can’t afford the house.”

That’s the sentence you don’t want to hear.

And most of the time… it’s avoidable.

Getting a mortgage isn’t luck.

It’s preparation.

Especially if you’re self-employed, running a business, or a sole trader.

We see it all the time.

“I’ll sort the accounts later.”
“My numbers are fine.”

Then when it matters…
things don’t stack up the way they should.

Lenders look at everything.

If your accounts aren’t clean, clear, and up to date…
you limit your options before you’ve even started.

So if you’re planning to:

🏡 Buy your first home
🏡 Move house
🏡 Remortgage
🏡 Invest in property

Do this now.

Get your accounts in order.
Make sure your income is accurate.
Know where you stand.

Start the year properly.

And if your situation is a bit messy…

Good.

That’s where we’re at our best.

Just don’t wait until you’ve found the house you love to figure it out.

Get ahead of it.

27/03/2026

Dear Algorithm…

Introduce me to people who see potential, where others see problems.

Because that’s exactly how we work.

First-time buyer.
Remortgage.
Moving home.
Buying an investment property.

Simple case or a complete headache…

We don’t walk away.

We look at what’s possible.
We fight your corner.
We get it done.

This isn’t just about mortgages.

It’s about finding the right solution for your home, your future, your plans.

So if you’re trying to make a move this year…

Drop a comment. Say hello. Let’s have a chat 👇

Address

York

Opening Hours

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

Telephone

+447464558082

Website

https://www.instagram.com/incafinancial/, https://www.linkedin.com/company/inca-financ

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