Mark Davies Just Mortgages

19/05/2026

You may assume delays come from the mortgage side.

But more often than not, it’s the property chain.

That means:

* Multiple buyers and sellers
* All connected
* All needing to move at the same time

If one part slows down, everything else follows.

Understanding this helps remove one of the biggest causes of frustration for buyers.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

18/05/2026

Can you buy a house with a 5% deposit?

Sometimes — depending on your situation.

Because it’s not just about the percentage.

Lenders also look at:
• income
• commitments
• credit history
Have you rented or bought before

The important part is understanding what applies to you.

Because assuming you are not ready can delay things unnecessarily.

Key takeaway:
You may be closer than you think.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

14/05/2026

You’re probably not looking for more information...
..you’re looking for clarity.

Because once you understand the numbers and the process properly, things usually feel a lot less overwhelming.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

13/05/2026

“What are the hidden costs of buying a house?”

Most buyers plan for the deposit.

It’s the extra costs that usually catch people out.

Things like:
• Solicitor fees
• Surveys
• Mortgage fees
• Moving costs

On their own, they often don’t feel major.
Together, they can change your budget more than expected.

That’s usually where stress builds — not because the costs are “hidden”, but because nobody explained the full picture upfront.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

12/05/2026

How long does buying a house actually take in Nottingham?

Most buyers expect weeks.

In reality, it’s often 3–5 months from offer to completion.

Not because things are going wrong — but because several stages happen together:
• Mortgage
• Legal work
• Surveys
• Property chain

Most frustration comes from not expecting the timeline up front.

Key takeaway:
It’s not slow — it’s structured.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

11/05/2026

Mental health awareness week

08/05/2026

Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

07/05/2026

“How much can I borrow for a mortgage?”

It is one of the most common questions - but it’s not just a calculator.

Lenders look at:
• Income
• Commitments
• Spending
• Future affordability

That’s why two people on the same salary can get different results.

The real question isn’t “how much?”

It’s “does it actually work for your life?”



Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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

30/04/2026

28/04/2026

“How long does it take to buy a house?”

Most house purchases take around 3–5 months.

It’s not just the mortgage:
legal work, surveys, and chains all play a part.

Knowing that upfront removes a lot of frustration.



Just Mortgages is a trading name of Just Mortgages Direct Ltd, 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