Novum Mortgage Services

Novum Mortgage Services Novum Mortgage Services have knowledge and experience around mortgage advice supporting home-buyers with their mortgage and protection needs .

🎄 Merry Christmas from Novum! 🎅As the festive season fills our homes with joy and laughter, we’d like to take a moment t...
24/12/2025

🎄 Merry Christmas from Novum! 🎅

As the festive season fills our homes with joy and laughter, we’d like to take a moment to wish all our clients, partners, and friends a truly Merry Christmas.

Whether you’re celebrating in your forever home or dreaming of your next move, we’re grateful to have been part of your journey this year. Your trust and support mean the world to us.

Here’s to a holiday season filled with happiness, good company, and well-deserved relaxation — and to new beginnings in the year ahead!

From all of us at Novum, thank you for an incredible year. ❤️

23/12/2025

🎁 Festive Mortgage Giggle! 🎁

What did the snowman say when his mortgage was approved?

“Ice one!” ❄️😆

May your holidays be merry, your interest rates steady, and your home filled with warmth this season. 🎄🏡

18/12/2025

🎄 A Little Christmas Mortgage Cheer! 🎄

Why did Santa apply for a mortgage?

Because even he wanted a clause in his contract! 🎅📜

Wishing you a Christmas filled with laughter, good cheer, and the kind of home that’s always worth coming back to. 🏠✨

16/12/2025

🎄 ‘Tis the Season for Festive Mortgage Funnies! 🎅

We know the mortgage process can feel serious — but it’s Christmas, and we’re adding a little festive cheer to your feed!

Over the next few weeks, we’ll be sharing our Festive Mortgage Funnies – light-hearted posts mixing Christmas spirit with a sprinkle of mortgage humour. Whether you’re house-hunting, remortgaging, or just love a good seasonal laugh, these are for you!

Because at Novum, we believe mortgages don’t have to be boring — even at Christmas!

🎁 Stay tuned, spread the laughter, and let’s make this season merry, bright, and mortgage-light!

✨ Thank You for a Wonderful Year! ✨As 2025 draws to a close, we want to take a moment to say a heartfelt thank you to ev...
11/12/2025

✨ Thank You for a Wonderful Year! ✨

As 2025 draws to a close, we want to take a moment to say a heartfelt thank you to everyone who’s been part of our journey this year.

To our incredible clients – thank you for trusting us to guide you through one of life’s biggest financial decisions. It’s been a privilege to help so many of you find your dream homes and secure your future.

To our suppliers and partners – your support, professionalism, and collaboration have been invaluable. Together, we’ve made this year one to remember.

We’re so proud of what we’ve achieved and excited for what’s to come in 2026. From all of us at Novum, we wish you a joyful festive season and a successful year ahead!

🏡 Here’s to new beginnings, new homes, and continued success in the year to come.

09/12/2025

🎄 How Christmas Spending Can Affect Your Mortgage 🎅

It’s easy to get swept up in the festive season – gifts, gatherings, and all the little extras that make Christmas special. But those extra expenses can have a bigger impact than you think, especially if you’re planning to buy or remortgage soon.

Here’s how festive spending could affect your mortgage plans:

💳 Higher credit card balances – Lenders assess your existing debts when calculating affordability. A big jump in spending could make it look like you can borrow less.

📉 Credit score changes – Using a large portion of your credit limit or missing a payment can temporarily lower your credit score, which lenders take seriously.

💼 Reduced savings – Dipping into your deposit or emergency fund can limit your mortgage options or delay your application.

📅 Timing matters – If you apply for a mortgage right after Christmas, your bank statements will reflect your festive spending. It’s often worth waiting until things settle.

🎁 Tip: Enjoy the holidays, but keep your finances in check if you’re planning to move or remortgage in the new year. A little restraint now could make your mortgage journey smoother later on.

04/12/2025

Does your mortgage deal end in the next six months? 🏡

Now’s the ideal time to start looking at your options! By reviewing your mortgage early, you could:

✅ Lock in a more competitive rate
✅ Avoid slipping onto your lender’s standard variable rate
✅ Plan ahead with confidence and peace of mind

Even a small rate change can make a big difference to your monthly payments and we’re here to help you find the best deal available.

A quick chat now could save you a lot later! 💬

We can help with an initial mortgage health check - get in touch today on 01322 617 977 and let’s take the next step.

Your home may be repossessed if you do not keep up repayments on your mortgage.

02/12/2025

Wondering whether you should go straight to your bank or use a mortgage broker?

Here’s the thing… a broker works for you, not the bank. That means:

💡 Access to loads of lenders (not just one)
💡 Exclusive deals you won’t always find yourself
💡 Expert guidance from start to finish
💡 Help with all the paperwork and tricky bits

Basically, we do the legwork so you can focus on finding your dream home. 🏡

We're here to help: Get in touch today on 01322 617 977 and let’s take the next step.

Your home may be repossessed if you do not keep up repayments on your mortgage.

25/11/2025

You don’t always need a huge deposit to buy your first home.

While a 10% deposit is common, some lenders do offer 5% deposit mortgages great news if you’re eager to get on the ladder sooner.

Also, if you’ve got a larger or gifted deposit, you could access a wider range of lenders and potentially more competitive rates. That’s because a bigger deposit usually means borrowing a smaller percentage of the property’s value, which can make you a more flexible borrower in the eyes of lenders.

No matter your starting point, the right advice can help you explore what’s possible and find a mortgage that suits your goals.

We're here to help: Get in touch today on 01322 617 977 and let’s take the next step.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Thinking about remortgaging but recently changed jobs?Your job situation can have a real impact on what lenders offer yo...
20/11/2025

Thinking about remortgaging but recently changed jobs?

Your job situation can have a real impact on what lenders offer you. If your income has increased, you might be able to borrow more or release some equity.

But if you’ve had a drop in income or started a new role less than 3–6 months ago, some lenders may be more cautious or offer a smaller loan.

Every situation is different, so getting advice from a mortgage broker can help you understand your options and find the right lender for your circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

18/11/2025

Been declined for a mortgage by your bank? Don’t panic it’s not the end of the road.

There are lots of reasons a bank might say no from strict criteria to changes in income or credit score but that doesn’t mean you can’t get approved elsewhere.

A mortgage broker can help you explore other lenders, find deals that match your circumstances, and guide you through what to do next.

You’re not out of options you just need the right support.

📞 We're here to help - drop us a call on 01322 617 977 to discuss your options.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

1A Highfield Road
Dartford
DA12JH

Telephone

+441322937550

Website

Alerts

Be the first to know and let us send you an email when Novum Mortgage Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category