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

CGC Mortgages

Approved by The Openwork Partnership on 08/08/2026

08/10/2026

It’s natural to focus on getting your mortgage agreed, but it’s also worth thinking about what would happen if your circumstances unexpectedly changed. 🏡

Could your household continue meeting the mortgage payments if illness, injury or loss of income affected your finances?

Protection options can be discussed alongside your mortgage so you can understand what may be suitable for your circumstances.

🛡️ Get in touch to talk through your mortgage and protection needs.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

06/10/2026

When assessing a mortgage application, lenders don't just consider how much you earn.

They may also look at where your income comes from, your employment history and whether your earnings include things such as overtime, commission, bonuses or self-employed income.

Different lenders can assess income in different ways, which is where mortgage advice can help.

📩 Speak to us about your circumstances before starting your application.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

03/10/2026

It’s one of the biggest questions people have before starting a mortgage application: “Will I get approved?” 🏡

There isn’t one single factor that determines the answer. Lenders may look at your income, employment, monthly commitments, credit history, deposit and overall affordability.

Understanding your position before applying can help you feel more prepared for the process.

📩 If you're thinking about buying in Bishops Stortford, get in touch to discuss your circumstances.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

30/09/2026

🏡 Reaching completion and collecting the keys can feel like the end of the mortgage journey but it is also worth thinking about how you would protect your new home and the people who rely on you.

Life insurance, critical illness cover and income protection could provide financial support if illness, injury or death affected your household income, subject to the terms and conditions of the policy.

Protection should be considered based on your circumstances, responsibilities and existing cover.

📩 Get in touch to discuss your mortgage and protection needs.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

25/09/2026

⏳ Every mortgage journey is different, and timescales can depend on the lender, how quickly documents are provided, the property chain and the legal work involved.

Once your mortgage offer is in place, your solicitor or conveyancer will guide you towards exchanging contracts and agreeing a completion date. Exchange is when the purchase generally becomes legally binding, while completion is when the funds are transferred and you can usually collect the keys. 🔑

A mortgage adviser can help explain each stage, liaise with the lender and keep you updated throughout the process.

📩 Get in touch for support with your mortgage journey.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

23/09/2026

Receiving your mortgage offer can feel like a major milestone but there are still a few steps to complete. 🎉

📩 Looking for support from application through to mortgage offer? Get in touch.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

21/09/2026

📨 Once your mortgage application has been submitted, the lender will review your circumstances, assess the information provided and carry out the necessary checks.

They may request additional documents or clarification and will usually arrange a valuation to confirm that the property provides suitable security for the mortgage.

Responding promptly to any requests could help keep the application moving.

📩 Get in touch for support throughout your mortgage application.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

20/09/2026

🏠 When you find a property you would like to buy, the estate agent may ask whether you have an Agreement in Principle.

Having one can demonstrate that you have explored your potential borrowing and taken steps to prepare for your purchase. It does not guarantee mortgage approval, as the lender will still need to assess your full application, supporting documents and the property.

A mortgage adviser can explain the process and help you understand your next steps.

📩 Get in touch before making an offer on a property.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

17/09/2026

Base Rate Update 🚨

16/09/2026

🔑 Before arranging viewings, it can help to understand what you may be able to borrow and which properties could fall within your budget.

Alongside saving your deposit, consider reviewing your monthly spending, financial commitments and potential mortgage affordability.

An Agreement in Principle can form part of that preparation and help you begin your property search with greater clarity.

📩 Get in touch before starting your property search.

CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

Address

Bishop's Stortford

Opening Hours

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

Telephone

+447432652171

Website

https://cgcmortgages.co.uk/

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