Jennie Brookes - Financial Advisor

07/05/2026

Moving costs can catch buyers off guard, it’s not just the deposit you need to budget for.

My job is to make you aware and help to budget for:
• Solicitor fees
• Stamp Duty
• Survey costs
• Removal expenses
• Broker and lender fees
• Emergency funds for unexpected costs after moving in

Planning ahead makes the whole process far less stressful and helps avoid last-minute surprises.

If you’re thinking about buying a home and want to understand the full costs involved, feel free to get in touch. 🏡

26/03/2026

Fab day Networking with Lindsey Lodge Hospice & Healthcare yesterday!

01/03/2026

28/02/2026

⭐️⭐️⭐️⭐️⭐️

24/02/2026

How long do you need to be in a job to get a mortgage?

There isn’t one strict rule — it depends on your employment type 👇

✔️ Employed (PAYE)
You don’t always need years in your job. Many lenders will consider you if:
• You’ve passed probation
• You have a signed contract
• You’ve recently moved roles in the same industry

✔️ New job / Recently started
Some lenders can use a new job offer letter — even before your first payslip.

✔️ Self-employed
Typically 1–2 years of accounts or tax returns are needed (though a few lenders will consider 1 year).

✔️ Fixed-term contracts
Usually need a track record in the same line of work, often 12 months+.

20/02/2026

Securing a fixed mortgage rate can be one of the smartest financial moves you make 🏡✨

As a mortgage advisor, I often see how much peace of mind it brings my clients — especially in uncertain markets.

Here’s why locking in a fixed rate could work in your favour:

🔒 Stability & Predictability
Your interest rate stays the same for the fixed term, meaning your monthly payments won’t change — even if market rates rise.

📊 Protection from Rate Increases
With influences from the Bank of England base rate and wider economic changes, variable rates can fluctuate. A fixed rate shields you from unexpected hikes.

💷 Easier Budgeting
Knowing exactly what you’ll pay each month makes financial planning much simpler — whether you’re managing family expenses or investing elsewhere.

🧠 Peace of Mind
No worrying about headlines or sudden market shifts. You’re locked in and protected for your chosen term.

Is a fixed rate right for everyone? Not always — it depends on your circumstances, plans, and risk appetite.

If you’re reviewing your mortgage or thinking of buying, it’s worth exploring your options.

📩 Feel free to message me to discuss what could work best for you.

19/02/2026

I gained 39 followers, created 7 posts and received 45 reactions in the past 90 days! Thank you all for your continued support. I could not have done it without you. 🙏🤗🎉

13/02/2026

13/02/2026

🏡 What does it mean to “port” your mortgage?

If you’re moving house, you might not have to leave your current mortgage deal behind.

👉 Porting your mortgage means transferring your existing mortgage rate and product to your new property.

✔️ Keep your current interest rate
✔️ Avoid early repayment charges (in many cases)
✔️ Stay on your current deal until it ends

But here’s the important bit 👇
It’s not automatic approval. Your lender will reassess your income, affordability, and the new property — just like a new application.

If your new home costs more, you may need to borrow extra (often at a different rate).
If it costs less, you might have to repay some of the loan.

Every situation is different — but porting can be a great option if you’re on a competitive rate.

Thinking of moving? Let’s chat before you list your home 📩