Chloe Longhorn - Mortgage Adviser

17/12/2025

From Decision in Principle to getting the keys 🏡

Buying a home doesn’t have to feel overwhelming when you know the steps.

Swipe through to see the full journey explained clearly, and save this post for later ✔️

Need guidance tailored to you? Drop us a message.

10/12/2025

💷 Thinking of buying a £200,000 home?

The price on Rightmove is only part of the picture.

Your actual cost depends on:
✅ Deposit size
✅ Interest rates
✅ Mortgage term
✅ Fees people don’t always plan for

Two buyers could purchase the same £200k house… and pay very different amounts each month.

📩 Want to know what your numbers could look like?
DM us and we’ll break it down for you.

Figures shown are examples only - everyone’s situation is different.

09/12/2025

You can now contact me on the above details as I’ve joined Yorkshire Mortgage Solutions as a mortgage advisor and case manager.

Get in touch today for anything mortgage related 📲

14/08/2025

Wondering why your friends been offered a lower rate than you? Or why you’ve found a lower rate online but can’t actually access that rate?

The interest rate you’re offered depends on a range of factors, including your LTV, credit score, income, the type of property you’re buying and more!

Swipe to learn more ➡️

05/08/2025

A lovely review from some first time buyers ⭐️

28/07/2025

🕒 Is your fixed mortgage rate ending in the next 6 months?

Don’t wait until the last minute - your lender’s Standard Variable Rate (SVR) could cause higher monthly payments.

💡 The good news? You can lock in a new rate up to 6 months in advance - often with no early repayment charges, as long as it starts after your current deal ends.

✅ Secure peace of mind
✅ Protect yourself from potential rate hikes

I help clients do this every day, and I can help you too.

📩 DM me ‘REVIEW’ to get started
🔖 Save this for when you’re 6 months away (or share it with someone who is!)

26/07/2025

A busy week helping clients buy new homes, secure new rates and plan for the future 🏡💼

Here’s what a week in the life of a mortgage adviser looks like:

✅ 7 new client meetings
✅ 3 DIP’s for excited First Time Buyers
✅ 5 Rate Switches
✅ 1 Purchase for Home Movers
✅ 2 Remortgages – one for home improvements, one for debt consolidation
✅ 6 Mortgage Offers out the door
✅ Plus rate checks to make sure clients still have the best deal secured 🔍📉

Every case is unique, every client’s goal matters. Need mortgage advice? My inbox is always open 💬

23/07/2025

🏡 Wondering what happens after your mortgage application is submitted?

When you work with me, I handle the full mortgage application process for you, from submitting your application to chasing the lender, uploading your documents, and getting your mortgage offer produced.

💼 I’ll guide you through every step, keeping things simple, stress free, and easy to understand.

Swipe through to see what happens behind the scenes once your application is submitted, and rest assured, I’ll be there to manage it all.

Ready to make the process smoother and less stressful? Send me a message, I’m here to help 📩

21/07/2025

A great review from one of my first time buyer clients ⭐️

If you want the same friendly, approachable service then get in touch with me today 📲

* your home may be repossessed if you do not keep up with your monthly mortgage repayments *

20/07/2025

One of the questions I’m asked the most is ‘how much can I borrow?’ Here’s a quick breakdown of what you can usually borrow and how lenders calculate your affordability!👇

Most UK lenders will let you borrow up to 4.5 times your annual income, but it’s not one size fits all. Some lenders will lend more than this (eg up to 5.5x your income) if you earn above a certain amount 💼

They’ll look at:
✔️ Your income (this can sometimes include benefits, child maintenance, bonuses, overtime)
✔️ Your outgoings (like loans, credit cards, car finance, childcare)
✔️ If you have any dependants (eg children)
✔️ Your credit history
✔️ The size of your deposit

Every lender is different, so what you can borrow with one might not be the same with another.

💡Want a more accurate idea? I can help you figure out what’s realistic based on your situation. Send me a message and we can figure out how much you’re likely to be able to borrow! 💬

17/07/2025