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Celebrating 25 years of business!

December Newsletter

 

Contents

  • Happy Clients
  • November at Key Mortgage Advice
  • Industry News
  • Top Tips
  • This Month on our Social Media

A Look Back Over The Last Month

Throughout November our team has been busy prepping for the holidays! We’re excited to see the year draw to a close and see what 2025 has to offer us. Here’s some of the things we got up to over the last month:

– We of course continued our tradition of breaking down mortgage jargon, such as discussing the difference between a freehold vs leasehold property, and exploring the world of Retirement Interest Only mortgages. Want to find out more? Head on over to our socials to read more.

– We introduced our handy “How can we help?” AI Assistant website feature. It presents you with a number of different questions and situations for you to fill in, creating a unique log of your situation and allowing you to book a meeting with one of our advisors to discuss exactly what you need. This clever tool sends us the answers you have provided when you book in your meeting, allowing us to get a head start on helping you better.

 
































Look at this beautiful thank you gift Stephanie received from a happy client!

         

Latest Industry News

 

A Helpful Tip!

Did you know? Job stability is a key factor when it comes to lenders checking if you’re suitable for a mortgage application. A strong employment background that shows you have been in the same job for at least 6 months helps to prove stability.

That’s not to mean it is a deal breaker for lenders, you can still apply for a mortgage if you have recently changed jobs, but lenders are looking for assurance that you are going to be able to meet your monthly repayments and job stability is one of the best ways to prove this.

So, if you’re considering a sudden career change, you may want to wait till after your mortgage application is approved. Our experts are on hand to advise you through this, if you require any further advice please get in contact with us and secure an appointment.

Coming Soon!

What can you expect from us this month we hear you ask? This month you can expect more mortgage lessons such as “what are credit checks?” and “what is an Annual Percentage Rate of Charge?“ and an introduction into our ‘Compare Mortgages’ tool on the website.

 

 

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Recent Articles

Mortgage Affordability

My Fixed Rate Mortgage Is Ending: What Should I Do?

If your fixed rate mortgage is ending, start by checking the exact end date, your outstanding balance and what happens when the fixed period finishes. You can then compare staying with your current lender against remortgaging to another lender. If you take no action, you will normally move onto the follow-on rate set out in your mortgage agreement, which is commonly the lender’s standard variable

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Can I Get A Mortgage With A New Job?

Yes, you can potentially get a mortgage with a new job. Starting a new role does not automatically prevent you from applying, although lenders have different requirements around employment history, probation periods and the evidence they need to verify your income. Your options can also depend on the type of employment, your salary and wider affordability. Some lenders may consider an application before you have

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Does Gambling Affect Mortgage Applications?

Does Gambling Affect Mortgage Applications?

Applying for a mortgage can feel stressful, especially if you are worried about how your bank statements might look to a lender. If you have gambling transactions on your account, you may be wondering whether this could affect your chances of being approved. At Key Mortgage Advice, our team offers practical, non-judgemental mortgage support. Whether you are buying your first property, moving home or looking

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