🎃 This Halloween: 5 Scary Mortgage Myths – Busted! 👻

With Halloween creeping up, I thought it’d be fun (and helpful!) to share the five scariest things people think about getting a mortgage — and how they’re not as frightening as they seem.

Let’s face it, the mortgage world can feel full of monsters — confusing jargon, scary rejection letters, and the never-ending fear of “what if I can’t do it?”

But don’t worry — I’m here to turn the lights on and guide you through the process. 💡🏡

 💷 1. Raising a Deposit

Saving for a deposit is often the most frightening part of buying a home.

But here’s the good news — there are options!

You may not need a large deposit at all. Some lenders currently offer products where you can start with as little as 5%, depending on your credit score.

There are also fantastic schemes to help first-time buyers, such as:

Help to Buy, Shared Ownership/Equity and Gifts or loans from the “Bank of Mum and Dad”.

🏡 2. Choosing the Right Mortgage

Comparison sites can be overwhelming — endless percentages, rates, and fees can make anyone’s head spin!

That’s why speaking to a mortgage broker (like me! 🙋‍♀️) is essential. I have access to thousands more products than going direct to a lender, and I can find one that’s tailored to your income, affordability, and credit score.

🧭 3. Navigating the Process

Buying a home can seem complex — endless forms, meetings, and comparisons!

But the good news is, the industry is becoming more streamlined with digital tools and automation.

And when you go through a mortgage broker, I handle the process from start to finish — taking away the stress and paperwork so you can focus on finding your dream home.

😱 4. The Fear of Rejection

Many people worry they won’t get approved — especially if they’re self-employed, have had credit issues, or have been turned down before.

But here’s the truth: there are specialist lenders who look beyond the high street and assess each case individually.

As a mortgage adviser, I can help you find these lenders and identify the best fit for your situation — no need to be spooked! 👻

💡 5. Getting Advice

No matter what stage you’re at, the mortgage process can feel scary — but just like monsters under the bed, it’s the not knowing that’s the worst part.

Getting expert advice makes all the difference.

As an independent mortgage adviser, I can:

✅ Give you access to far more products than any one lender.

✅ Help you understand the costs, criteria, and protection options.

✅ Make sure you and your family are fully protected for the future.

If you (or someone you know) are looking to buy a property, please share my details and support local! 🥰