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***** High recommend Julie as your mortgage advisor! She has been brilliant start to finish. Answers all of our questions we needed to ask! Super fast at replies and ALWAYS gave the best advice! She got us the best mortgage rate! It dropped 2 x lower to the one we agreed and was fast enough to act and change so we have an even better rate! This was our first time buying we couldn't of got though it without Julie! Very professional and such a lovely women! We will be using Julie in the future anyone looking for mortgage advisor I couldn't recommend Julie enough! Thank you from Shauna & Scott xxxx

Adele Gordon…. I have followed Julie at Border Mortgages as she has been a great pleasure to work with. I have been using Julie for the last 7 years or so and there has never been any issues. Quick communication, professionalism is upheld and she most definitely seeks the best option to suit. Although I do not live in the borders, Julie is still able to accommodate my needs. I would highly, highly recommend.

  Recently we helped a 62-year-old client nearing the end of their mortgage term. Facing intense pressure to pay off the loan, the client feared they would be forced to sell their family home.   > Key obstacles included: Age: He required a mortgage term extending to retirement at age 80. Income: Reliant on self-employed earnings from the most recent year’s accounts. Credit history: Past blips meant limited access to many other lenders. End-of-Term pressure: Risked losing home due to lender’s demand for full repayment. Interest-Only preference: Needed to keep monthly payments manageable. > Our Specialist Lending Solution Extended term: Approved a 17-year mortgage aligned with retirement plans. Interest-Only structure: Offered a £300,000 loan with affordable monthly payments. Can-do underwriting: Accepted the latest accounts, viewing minor credit issues as immaterial. Our client told us that our service ...

        Did you know one of our bespoke lender can assist with clients who are self employed with the following scenarios….   ✓   One full year’s SA302s and TYOs considered – on these cases; Maximum LTV of 90% Ideally clients with employed history in the industry prior to going self employed ( if not, will consider if they have guaranteed income in the current financial year) We may request 3 months personal and business bank statements for these clients For Limited Company Directors and 1 years accounts, use salary and dividends   ✓   Using Latest years figures Maximum 95% LTV on Level 1, 90% Level 2, and 80 % for Level 3 Wherever possible we will use latest years figures (if there has been significant increases, we will likely need additional supporting info such as Accountants reference to confirm sustainability) If the previous year was lower, tell us. If the figure 2 years ago was the start-up year for example, add details in the notes sectio...

Talking about Mortgage Rates Ending Soon… THIS is how we do it!! Dear Example Customers Many thanks for your email below.   Summary   Valuation £459,150. Loan amount £280,343. Remaining Term 28 Years.   I’ve done the research looking at 2,3 and 5 year fixed across the market together with Halifax product transfers and here are my findings sourcing the cheapest deal over the fixed rate term below:   Open Market   Coventry BS 2 Year Fixed 4.46%. Monthly Payment £1,467. Lender Fee £1,007 (added)   Coventry BS 3  Year Fixed 4.41%. Monthly Payment £1,459. Lender Fee £1,007 (added)   Barclays 5 Year Fixed 4.20%. Monthly Payment £1,425. Lender Fee £1,034 (added)   Halifax Product Transfer   4.88%  2 Years Fixed   Monthly Payment £1,532 Fee £0 4.53%  2 Years Fixed   Monthly Payment £1,480 Fee £999 (added) 4.50%  5 Years Fixed   Monthly Payment £1,468 Fee £0 4.36%  5 Years Fixed   Monthly Payment £1,452 Fee...