The Mortgage Broker

A brilliant TMB Summer Event covering Buy-to-Let's, Residential Purchases, Remortgages and Protection. Keeping up to speed with key lender developments and bringing our UK wide team together.

Get in touch for a Mortgage & Protection review.

Read more about the event here.

Another Fantastic Event: TMB Summer Event 2026 The Mortgage Broker invited 12 Lenders to a Summer Event to discuss all things Mortgages & Protection. Knowledge, Learning and Collaboration.

Scottish First Homes Fund: What First-Time Buyers Need to Know

The Scottish Government’s First Homes Fund is now live, giving eligible first-time buyers in Scotland access to up to £10,000 towards purchasing a home worth up to £300,000. Unlike a grant, this is a shared equity scheme, meaning the Scottish Government takes an equity stake in the property.

Key points at a glance:

-Up to £10,000 towards your first home
-Available for homes priced up to £300,000
-Requires a capital repayment mortgage
-Usually needs around a 5% deposit
-Available for both new-build and existing properties
-Applications must be made before missives are concluded
-Includes a £650 application fee

Read the full blog for eligibility rules, lender options and application steps.

Scottish First Homes Fund: What First-Time Buyers Need to Know The Scottish Government’s new First Homes Fund is now live. It gives eligible first-time buyers in Scotland access to a shared equity contribution of up to £10,000 towards buying a home worth up to £300,000.

A fantastic turnout for our TMB Summer Roadshow Event! ☀️😎

A huge thank you to all of our sponsors for your continued support and for helping make the day such a success.


Coventry Building Society Chorley Building Society West One Loans Metro Bank Guardian Financial, Inc. Together

At TMB, we're always learning, always improving, and always striving to be the best. It was great to see such strong engagement from our advisers, who recognise just how valuable these upskilling sessions are for delivering the best possible outcomes for clients.

A special shoutout to our amazing event organisers Katy and Jodi for putting together another brilliant event!

We are delighted to welcome three fantastic new additions to The Mortgage Broker team as we continue to invest in our people, knowledge and expertise.

Gemma Marshall joins us as Team Leader for our Client Fulfilment Team, bringing extensive experience in mortgage administration and team leadership.

Kirstie Everard joins us as an Employed Mortgage Adviser with 10 years of experience across both mortgage administration and advising.

Sharon Robins has joined our Client Fulfilment Team, bringing more than 20 years of mortgage administration experience and further strengthening our expertise.

We are really pleased to welcome Gemma, Kirstie and Sharon to The Mortgage Broker family. Their combined experience adds even more knowledge and expertise to our growing team, helping us provide the very best support to our advisers and service to our customers.

Meet the growing team behind The Mortgage Broker and learn more about our people here: https://themortgagebroker.co.uk/meet-the-team/

Low Deposit Mortgage Schemes: Can You Buy With 5% or £5,000 Deposit?

Saving for a deposit is one of the biggest challenges for first-time buyers, but low deposit mortgage schemes could help you buy sooner than expected. From 95% mortgages and £5,000 deposit options to Shared Ownership and Rent to Buy, there are now more ways to get onto the property ladder with smaller savings.

Before applying, it is important to understand:

-Affordability checks
-Lender criteria
-Credit history requirements
-Monthly costs and long-term affordability

The right mortgage is not just about the lowest deposit, it is about finding the right fit for your future.

Read the full blog to explore your low deposit mortgage options.

Low Deposit Mortgage Schemes: Can You Buy With 5% or £5,000 Deposit? Can you buy with a 5% or £5,000 deposit? Learn how low deposit mortgage schemes work, what to check, and when to get mortgage ready.

The Mortgage Broker supports clients from their first mortgage to their later life lending decisions.

We are proud to share that The Mortgage Broker is now a member of the Equity Release Council.

This is an important step in the continued development of our later life lending service, led by Paul Smith, who brings over 30 years’ experience in later life financial planning and supports clients with clear, honest guidance, no pressure and no jargon.

Later life lending is rarely about one product in isolation and should always involve a proper review of the wider picture, including goals, family, income, future plans, estate and long term priorities.

The phrase “holistic advice” is often said, but it really is important to cover all basis when you want to be focused on the right outcome, not just the product.

Whether the most suitable route is a standard mortgage, remortgage, Retirement Interest Only mortgage, lifetime mortgage, downsizing, using savings or taking no action at all, the advice must come before the solution.
With Paul’s specialist experience and our wider mortgage team working together, The Mortgage Broker can support clients with clear advice from their first mortgage to their later planning needs.

https://themortgagebroker.co.uk/mortgages/later-life/

Why Waiting for Your Lender Could Cost You at Remortgage

Mortgage rates can change quickly, and deals available today may be gone in weeks. A recent case showed how delaying led to a £49 monthly increase simply due to market movement.

A remortgage review helps you stay ahead, not behind.

With a broker review, you can:

-Compare rates across the full market, not just one lender
-See realistic monthly payment options
-Understand whether your current lender is competitive
-Choose a deal that fits your future plans, not just convenience

Staying put may feel easier, but it is not always cheaper or more suitable. Acting early gives you clarity, control, and more choice before rates shift again.

A remortgage is about long-term affordability, not just speed.

Read the full blog to understand how timing your remortgage properly could save you money and stress.

Why Waiting for Your Lender Could Cost You at Remortgage Waiting for your current lender could leave you with a higher rate and fewer options. Get a free remortgage review and clear support through the legal process.

We’re proud to be supporting West Lothian Dance World and their amazing community of talented dancers 💙

It was a pleasure welcoming the daughter of our colleague, , to our Bedfordshire head office, where she had the opportunity to meet our CEO and capture some special moments.

Proud to play a small part in supporting local talent and inspiring the next generation!

Why Independent Mortgage Advice Matters More Than Ever for First-Time Buyers

Buying your first home can feel overwhelming, especially with constant market noise and changing headlines. Instead of trying to time the market perfectly, the focus should be on understanding your own financial position and preparing properly. Independent advice helps cut through confusion and ensures decisions are based on your circumstances, not pressure or trends.

Key points to focus on:

-Start with affordability before looking at rates or properties
-Being “mortgage ready” strengthens your position as a buyer
-Independent advice offers broader, more suitable options than estate agent services
-Bad credit or self-employment does not mean you cannot buy, but preparation is key
-The right mortgage is about long-term affordability, not just the lowest rate today

Clarity, not timing, is what moves you forward.

Read the full blog to understand your next steps with confidence.
https://themortgagebroker.co.uk/why-independent-mortgage-advice-matters-for-first-time-buyers/