Dominic Kennerley - Mortgage & Protection Adviser

Mortgage renewal due this year?
Drop me a message or give me a call

The world of deposits, rates, and affordability checks can feel like an alphabet soup. 🍜

We know how confusing terms like ‘Early Repayment Charge’ or ‘LTV’ can be.

It often feels intentionally complicated, making the whole process jumbled up and stressful.

That stops with us. Our job is to translate the complexity into straightforward English.

We demystify the numbers and explain every step clearly, ensuring you feel confident about your choices.

We believe everyone deserves clear, jargon- explanations when sorting out their mortgage. 🤝

Get in touch today for a clear explanation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

Big news from the Bank of England today! They've cut the Base Rate to 3.75%

This reduction is a boost for mortgage holders, as it can mean lower costs for those with tracker mortgages or variable-rate loans, and for those with a fixed rate coming to an end. 🏡

If your mortgage deal is up for renewal soon or you're on a variable rate, it might be a good time to reassess your options! Feel free to reach out with any questions or for guidance 🤝

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

What happens when the bank values your dream home lower? 🤯

Down valuations occur when a lender assesses the property’s worth as lower than your agreed purchase price. This leaves a sudden gap you need to cover. 😬

It is an extremely common roadblock in today’s housing market. We understand this can feel disappointing, but it does not mean your purchase is over.

Our first step is often reviewing the comparable evidence to see if we can appeal the current valuation.

If the valuation holds, we explore alternative routes. We look at different lenders who might assess the property differently.

We also help you structure your mortgage to cover the shortfall where possible. We are here to manage the complexity and keep your purchase on track. 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

When applying for a mortgage, many online sites and high street banks only treat your application as simple data entry. They see figures in black and white. 🦓

We believe you deserve more support than that.

Our team takes the time to know you personally. We understand the specifics of your financial background and goals.

We ensure your unique situation is framed in a clear, compelling way for the lender. This approach helps them appreciate the whole picture.

We are your advocate, ensuring your mortgage application is heard fully. 🗣️

Let's put your mortgage application first. Get in touch today. 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

Could you manage if your sick pay stopped tomorrow? 😟

Statutory Sick Pay (SSP) is currently £118.75 per week. If you’re suddenly unable to work, that figure may not cover your monthly outgoings. 💸

Many employer schemes are short-term. We believe everyone deserves financial peace of mind, especially when recovery is the priority.

Our goal is simple: to help you keep up with commitments like your mortgage, bills, and everyday living costs if illness or injury occurs. We make sure you feel secure. 💪

If the unexpected stopped your income, would your savings cover essential costs like your mortgage and bills?

This is a genuine worry for many UK families. Life insurance and critical illness cover offer a vital safety net, ensuring your loved ones can focus on recovery, not financial strain.

We simplify these complex topics to build tailored plans that put your family first. Get in touch for a friendly chat today. 🙌🏼

Imagine waking up next Christmas Day in a home that is truly yours, that vision could be closer than you think. 😍

Getting a mortgage can be complicated, but we are here to handle the complexities and ensure your application starts strong.

Start your preparations now to put presents under your own tree. 📱

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

Standard banks represent only a small portion of the market. 🤏🏼

We have access to specialist lenders, many of whom only deal with intermediaries, who are more open to applicants with complex situations or unique earning structures.

Let us help you explore possibilities that might seem out of reach. Book a chat today. 📱

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

You might think 2026 is far off, but for your mortgage review, time flies!

We encourage you to start planning six months before your fixed rate deal expires. 🙌🏼

Starting early allows our expert team to fully assess the market and secure an appropriate new rate well ahead of your completion date.

Let us take the stress out of the countdown. Book a chat today.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE