Matt - Anytime Mortgages

Moving home? 🔑
Stamp Duty Land Tax (SDLT) is an important cost to factor into your moving budget.
Whether you’re upsizing, downsizing, or relocating, knowing what you’ll need to pay can help you plan your next move with confidence 📦🏡

Buying your first home? 🏡
You may be eligible for Stamp Duty Land Tax (SDLT) relief as a first-time buyer — helping reduce upfront costs when stepping onto the property ladder.
Understanding what you could pay (or save!) is an important part of planning your purchase 💷

Your credit rating not only impacts whether your mortgage application is successful, it also influences how costly your monthly repayments will be. 💳

Shopping around for your remortgage could pay off 🛒

The average rate saved by comparing deals? Around 0.25% — which could mean approximately £400 back in your pocket each year.

A little research can make a big difference. 👀

Mortgage rates can vary depending on your deposit size 💰
Whether you’re putting down 5%, 10% or more, understanding how your deposit impacts your rate could save you money in the long run.

⚠️ Quick reminder…

A missed payment from years ago isn’t always a deal-breaker, and many lenders will consider the bigger picture.. including what happened, when, how often and why.

👉 It’s not just about your score.

In fact, lenders don’t use your Experian or Equifax score directly — every lender has their own internal criteria.

That means:
✔️ A perfect 999 score doesn’t guarantee approval
✔️ A lower score doesn’t always mean rejection

This is where a mortgage broker can help — matching you with lenders who are more flexible and suited to your situation.

📰 NEWSFLASH 📰
Your credit score on Experian or Equifax is NOT what lenders focus on.

So what really matters?..

The big question, what can I afford?

If you're due to remortgage this year, the time to reach out is sooner than you think.

Don't put it off, get it touch and let us handle it for you.

It's a yes from me.

Those evening scrolls on PropertyPal tempt us all, but reaching out to us to know exactly what you can afford can save stress and heartache in the long run.