Peter Dove - CGC Mortgages

💷 Before searching for a mortgage, it is important to understand what may be affordable for you.

Lenders can consider your income alongside your regular outgoings, credit commitments, dependants and wider financial circumstances.

Knowing your potential budget early could help you focus your property search and plan your next move with greater confidence.

📩 Speak to a mortgage adviser to explore what you may be able to borrow.



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

🏡 Your mortgage journey will usually begin with a conversation about your circumstances and property plans.

Your income, deposit, regular commitments, credit history and the type of property you are hoping to buy may all form part of the discussion.

This initial stage can help you understand your potential affordability and what your next steps could look like.

📩 Get in touch to start discussing your mortgage plans.

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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

📱 It starts with a quick scroll... then suddenly you’re planning where the sofa would go.

Before you get too attached to a property, it’s worth understanding your borrowing position, deposit, monthly payments and wider costs of moving.
📩 Get in touch to talk through your mortgage options.



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 16/07/2026

🔑 If you’re serious about buying, an Agreement in Principle can be a useful step.

It can give you an idea of how much a lender may be willing to lend, based on your circumstances, and may help show estate agents you’re ready to move forward.

📲 Thinking of making an offer? Speak to an adviser first.



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 15/07/2026

Making mortgage overpayments could help reduce the amount of interest you pay over time and may shorten your mortgage term. 💷

However, some mortgage deals have overpayment limits or early repayment charges, so it’s important to check before paying extra.

📩 Get in touch to review your mortgage and understand what may apply.



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 15/07/2026

Almost 1 in 3 First-time buyers overlook mortgage advice!

Mortgage applications can take longer if documents are missing or unclear. ⚠️

Lenders may need to check your identity, income, address history and bank statements before making a decision.

By preparing early, you can help reduce the chance of avoidable delays.

📩 Applying for a mortgage soon? Speak to an adviser before you start.



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 16/07/2026

💷 Your deposit is an important part of the mortgage process.

While affordability is key, the amount you have saved may also affect the mortgage options available, the loan-to-value and the rates you may be eligible for.

It’s worth understanding how your deposit fits into the bigger picture before applying.

📲 Speak to an adviser to understand what your deposit could mean for your mortgage options.



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 15/07/2026

📋 Mortgage documents aren’t requested just for the sake of it.

Lenders use them to understand your circumstances, verify key details and assess whether the mortgage is affordable.

Being prepared early can help avoid delays later in the process.

📲 Speak to a mortgage adviser if you’re unsure what documents you may need.



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 15/07/2026