Mortgages by Anna Ltd

How is mortgage affordability calculated? 🧮 Here’s a quick guide: 🏡 Income: Includes salary, bonuses, and other regular earnings. 🏡 Outgoings: Loans, bills, childcare, and other expenses. 🏡 Loan-to-Income: Typically, you can borrow up to 4–4.5x your income, but some lenders may offer higher multiples for specific incomes or circumstances. 🏡 Credit Score: A higher score means access to better rates and deals. 🏡 Deposit: A larger deposit can provide more options and lower rates. 🏡 Stress Tests: Lenders assess if you can manage repayments if rates rise. 🏡 Mortgage Term: Longer terms mean lower monthly payments but more interest overall. 🏡 Type of Mortgage: Fixed rates for stability or variable rates for flexibility. 🏡 Property: Freehold vs. leasehold, location, and property condition impact affordability. 📝 Example: £40k income could mean a £180k mortgage—but options might expand depending on the lender and your financial profile. Every situation is unique—let’s find what works for you! 💬 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #MortgageAffordability #MortgageCalculator #LoanToIncome #CreditScore #DepositSavings #StressTest #MortgageTerm #FixedRateMortgage #VariableRateMortgage #PropertyAffordability #FirstTimeBuyers #ExpertMortgageAdvice #MortgageBroker #Leicester

Do Kids Impact Your Mortgage? Let’s Break it Down! Having children is a joyful milestone—but did you know it can also influence your mortgage application? Here’s how kids might play a role: 🔑 Affordability Assessments: Lenders factor in childcare and family expenses. 🔑 Household Budget: More kids = higher outgoings, affecting your disposable income. 🔑 Future Planning: Growing families may need more space. Don’t worry, I’m here to guide you through options tailored to your family needs! 👇 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #KidsAndMortgages #MortgageTips #HomeBuyingJourney #MortgageAdvice #HouseholdBudget #MortgageExpert #MortgageHelp #MortgageBroker #Leicester

Looking to make your home ownership dreams a reality? I’ve got appointments available to help you find the right mortgage solution! 🏡 Let’s chat about your options and get you on the path to your dream home. Book your appointment today! 🔑 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #HomeOwnership #DreamHome #MortgageSolutions #BookYourAppointment #Mortgages #MortgageAdvice #FirstTimeBuyer #HouseHunting #MortgageHelp #ExpertAdvice #MortgageBroker #Leicester

Happy New Year 2025! ✨🎉 Wishing you a year filled with happiness, success, and the keys to your dream home 🏡🔑 Here’s to fresh starts, exciting opportunities, and making your home ownership dreams come true. Cheers to an amazing 2025! 🥂 #MortgagesByAnna #2025 #HappyNewYear

New Year, New Possibilities! ✨ Why not make 2025 the year you buy your dream home? 🏡 I am here to offer expert mortgage advice and make your home ownership journey as stress free as possible. Your dream home is ready and waiting—let’s make it yours! 👇 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #NewYearNewHome #DreamHome #BuyAHome2025 #MortgageAdvice #HomeOwnership #ExpertAdvice #YourDreamHome #HomeSweetHome #2025 #FirstTimeBuyer #MortgageBroker #Leicester

Wishing you a very Merry Christmas! 🎅🎄 May your day be filled with love and joy 😊🎁 #MortgagesByAnna #MerryChristmas

🎄 Holiday Closure 🎄 I’m now on a festive break and will return on January 2nd, 2025. For any urgent matters, please send an email, and I’ll do my best to help. 📧 anna@mortgagesbyanna.co.uk Wishing you a wonderful holiday season and looking forward to reconnecting in the New Year! 😊💚 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #HolidayClosure #FestiveBreak #HappyHolidays #NewYear2025 #OutOfOffice #EmailForUrgentMatters #MortgageAdvice #MortgageBroker #Leicester

Bank of England keep the base rate at 4.75% If your current rate is due to end in the next 6 months, please contact a member of the team as soon as possible. If your fixed rate is not due to end within the next 6 months, this will not impact you until your fixed period ends. If you would like to discuss your options, simply contact the team using any of the methods below 👇 Source: https://lnkd.in/gg2iY-2p 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

Ask Anna 🎄💬 Will overspending at Christmas impact my affordability? 🤔 Yes, overspending can affect your mortgage affordability! Lenders check 3-6 months of statements, and high spending or reliance on credit may lower how much you can borrow. For expert advice please don’t hesitate to get in touch 👇 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #AskAnna #ChristmasSpending #MortgageAdvice #Affordability #CreditScore #FirstTimeBuyer #ExpertAdvice #MortgageAffordability #MortgageHelp #MortgageBroker #Leicester

Challenged by bad credit? 📉 It doesn't have to stand in the way of your home ownership goals 👍🏡 Explore specialised mortgages designed for individuals with bad credit. I am here to guide you through the process and secure the best option available to you. If you'd like my help in securing a mortgage, simply get in touch today to arrange an appointment 👇 💻 mortgagesbyanna.co.uk 📧 anna@mortgagesbyanna.co.uk 📞 0116 326 2610 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgagesByAnna #BadCredit #HomeOwnership #SpecialisedMortgages #MortgageHelp #CreditScore #MortgageAdvice #HomeBuyingJourney #MortgageSolutions #MortgageBroker #Leicester