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Category: 2016 News

Are you mortgage ready?

Monday, January 09, 2017 3:30:00 PM

When the time comes for you to buy that perfect property we recommend you consider all of the following to ensure you are 'mortgage ready', which will help with the success and speed of processing of your application.

If you can get yourself as mortgage ready as possible (possibly around 6 months prior to you needing a mortgage) then when the time finally comes, you will be in a much stronger position and your mortgage could go through much quicker.

Here is what the Mortgage Brain recommends you do to get yourself ready for that mortgage application.

When applying for a mortgage or when remortgaging, your lender will perform an affordability test on you, to see if your finances are in order and ultimately decide if you are trustworthy enough to lend money to.

The tests will include a look at your income vs your expenditure, so it's important that you are able to show that you are capable of keeping your finances in order.


If you have any outstanding loans, pay these off where possible before you apply for your mortgage, and avoid taking out any more loans until your mortgage application is complete  

Keep on top of payments

Pay all your bills on time. This can be anything from a phone bill, to general household utility bills. This will prove you are reliable, financially independent and will help ensure your credit score remains strong.

Electoral role

A simple but effective thing to do is to register on the electoral role. Also, make sure any bills you have are registered to your current address, so everything is easy to trace.  


It is advisable to remain in the same employment for at least six months. This will give evidence that you have a regular, stable income coming in every month, and there is less chance of your employment being terminated on the spot, like it would if you were still on a probation period. You will be asked to provide pay slips over the last 3-6 months, so it's important you can provide these.

Regular saving

If regular savings can be traced on your bank statements, this can be good for a number of reasons. Not only can it show where the money for your deposit has come from, but it can also prove to your lender that if you are able to save £500 a month, for instance, then this is money that can then go towards paying off a mortgage.

Consider your credit rating

Using a credit card responsibly can help improve your credit score, showing that you are able to look after your own finances and pay off any outstanding debts within a certain timeframe. Just make sure you register the card to the address you are actually living at, and you could even hook it up to your direct debit card, so you don't have to worry about forgetting to pay it off every month.

The main thing is to prove that your spending patterns are in line with how you see yourself when you have a mortgage. If there are any cutbacks you can make, then now is the time to make them. Perhaps gym memberships, satellite TV or weekend breaks, to assist your saving. After all every penny counts!

If you are looking for a mortgage, then we can help you every step of the way here at The Mortgage Brain in Gloucester. For more information call us on 0333 340 8888 or email

Use the mortgage broker of your choice, not the one your estate agent recommends.

Monday, January 09, 2017 3:26:00 PM

THE Financial Conduct Authority (FCA) look into the relationship between estate agents and mortgage brokers as part of their review of the mortgage industry.

Some agents are paid commissions for referring customers to mortgage brokers they work in partnership with.

The review of the mortgage market which was first announced in May by the FCA, said that it would look into relationships between brokers, lenders and estate agents.

There is concern that these relationships were creating conflicts of interest as consumers were paying more and not necessarily having options when pressured to use particular firms.

Some estate agents imply that using a particular broker might be "necessary to view or secure a property," the report said.

This is not illegal, but Mark Hayward, of the National Association of Estate Agents, said that they did not support it.

"It's not fair that buyers should be penalised if they don't use an agent's in-house broker and consumers should not be made to feel that without using the recommended financial services provider they will lose out on the home they want to buy," he said.

The regulator also said that it would examine whether the Mortgage Market Review, which was implemented in 2014, was unfairly excluding some people from buying.

The new rules were implemented to prevent mortgage lenders from offering loans to those who could not afford them, and wiped out the riskier mortgages that were being sold before the financial crisis, such as offering a borrower more than the value of their home. Many lenders have restricted their loans to borrowers over the age of 65, leaving even those with excellent credit ratings and gold-plated pensions unable to buy a home or extend their existing mortgages.

More customers now use brokers to secure mortgages since the new rules were introduced. The proportion looking for an adviser to organise their mortgage has risen from 67% in 2008 to 97% in the second quarter of this year.

This is because stricter rules mean in all but the most straightforward cases borrowers need help finding a suitable mortgage.

Here at The Mortgage Brain we work hard to establish relationships with as many lenders as possible ensuring that our clients get the best deals for them.

If you are currently looking to buy a property and have not yet agreed your mortgage we would welcome the opportunity to discuss your requirements to see if we can help you.

For more information about our services please visit, call 0333 340 8888 or email

Make 2017 your year with the help of the Mortgage Brain team

Tuesday, January 03, 2017 2:58:00 PM

Happy New year from the team here at The Mortgage Brain in Gloucester

We know that lots of  New Year resolutions will be made in the first few days of January and unfortunately most will be broken by the middle of February.

Now that 2017 is here we think it should be the year that you think of New Year's resolutions that will either increase the value of your property or help you save money.

With this in mind, we have suggested five New Year resolutions that will help you to a more prosperous 2017.

Overpay on your mortgage

Overpaying your mortgage is a great way to shorten the term of your mortgage and save a considerable amount of interest on the loan.

However, before you decide if you can afford to overpay your mortgage, check with the Mortgage Brain to make sure you will not be facing any financial penalties by paying off your loan earlier than the agreed term.

Consider remortgaging your property

Remortgaging is another option for you if you want to overpay your mortgage, however there are more great reasons why you might want to remortgage. These include:

  • Getting a better mortgage deal or better rate
  • Releasing money to consolidate debts or for home improvements

Here at the Mortgage Brain in Gloucester we can find the perfect new mortgage deal for you.

Find cheaper Home and Buildings Insurance

Are you paying too much for your home and building insurance?

You could make considerable savings by changing your provider. It could also pay to use the same company for both contents and building insurance combined.

Some insurance companies will charge a premium if you pay monthly. If you can afford it, it might be worth your while to pay the whole years premium in one go.

Talk to us here at The Mortgage Brain where we can review your insurance costs and see if we can save you money.

Add value to your property by extending, creating more space or making home improvements

Adding more space to your home will not only help to increase its value, but it will make it a better place for you to live in.

There are several ways you can add value and space to your home. The three most popular improvements are building a conservatory, an extension or converting the loft or basement.

If you are considering making any of the above home improvements, or any others such as new doors and windows, new roof, electrical rewire or new heating system and need to release equity in your property to pay for the work please talk to us here at the Mortgage Brain. We can help you find the most suitable and cost effective way to raise the money required.

Get your house valued

Selling your home is not the only reason you need to get your house valued.

You may be planning some improvements, such as an extension, and you may wish to know if you will recover your investment when you decide to sell.

You may want to know how much equity you have or you may be thinking of re-mortgaging.

If you need help with any of the above services, please contact us here at The Mortgage Brain by calling 0333 340 8888 or emailing We look forward to hearing from you.

Mortgage costs are at an all time low!

Friday, December 30, 2016 5:25:00 PM

New data from the Council of Mortgage Lenders shows that mortgages are now more affordable than at any other time on record.

First-time buyers paid an average of 17.8% of their household income towards their mortgage in September, while home movers paid 17.7%. The CML said that mortgage affordability was at an historic low, which should help those looking to get on the property ladder.

This comes after the Bank of England cut interest rates to a new record low of 0.25% in August following Brexit, resulting in a number of mortgage lenders cutting interest rates.

Paul Smee, director general of the CML, said: "Mortgage affordability reached an historic low in September, for both first-time buyers and home movers, which partly reflects the re-pricing of mortgages following August's base rate cut. "This should help turn strong appetite for home-ownership into a reality as we approach the new year." £11.4 billion was buried for house purchases, down 7% for the month but up 4% from last year. They took out 62,900 loans, down 5% on August but up 3% on September 2015.

Lending to first-time buyers fell 4% to £4.9 billion, equating to 31,500 loans. Remortgages fell 7% to £5.9 billion, but was up 8% compared to a year ago. This totalled up to 31,500 loans, down 10% month-on-month but up 2% compared to 2015.

Buy-to-let lending has been hit hard by the stamp duty changes that were introduced in April. Landlords borrowed £2.8 billion, down 7% for the month and 22% since last year.

Smee said: "House purchase activity appears to have steadied, we may not be seeing huge increases in activity on the scale of 2013-14 but there is a consistency in the levels in recent months. "Six months on since the stamp duty changes on second properties and buy-to-let continues to operate at lower levels than a year ago, but lending for buy-to-let house purchase and remortgaging has settled at its current level over the last four months."

David Brown, CEO of Marsh & Parsons, said: "Low interest rates have improved affordability for buyers and helped drive activity for those who can get great deals. Therefore, while uncertainty remains about the outcome of Brexit negotiations, confidence in property remains high for hopeful homebuyers, investors and sellers. "In London, particularly, the market could still be buoyed by the weaker pound and added interest from overseas buyers - boosted by results of the US Presidential election as Americans potentially seek solace elsewhere.

If you are looking for a mortgage to purchase a new property, we would welcome the opportunity to discuss your requirements here at The Mortgage Brain in Gloucester. Please give us a call on 0333 340 8888 or email We look forward to hearing from you

Are you one of the 75% that have never remortgaged?

Tuesday, December 13, 2016 11:20:00 AM

Nearly 75% of mortgage borrowers have never remortgaged and could be missing out on saving thousands of pounds over their mortgage term.

According to a new survey by an online mortgage broker, just a quarter (28%) of British mortgage borrowers have switched lenders in search of a better deal.

A study of YouGov over 4,000 people found that mortgage holders were more than twice as likely (63%) to have switched energy provider than their current mortgage lender, despite the annual savings from doing so being far lower.

Switching energy provider can lead to savings of around £200 a year, a small sum compared to the additional £2,800 over the odds the average UK household pays by not shopping around for the best mortgage.

In August, the Bank of England cut the base rate for the first time in seven years to 0.25%, prompting mortgage lenders to slash rates. The move was designed to put more money in the pocket of consumers, but millions of borrowers are failing to review their mortgage, with a staggering 94% saying they haven't considered switching to a better deal since the base rate was lowered.

When asked, what had stopped them switching mortgage, one in five borrowers said they feared the process would be too much hassle, while 14% claimed it was too complicated. Here at The Mortgage Brain we take the complication and hassle out of the process for you.

Around one in seven (15%) claimed they haven't switched because they thought they would be penalised for doing so, while just 7% said they stay with their current lender out of loyalty.

Enzo Mora, the MD of The Mortgage Brain in Gloucester commented: "It's shocking that almost 75% of mortgage borrowers have never switched mortgage lender in search of a better deal. Its something we regularly do with our utility suppliers, mobile phone suppliers and even with foot shopping to ensure we get best value for money. Households across the UK are throwing away thousands of pounds every year by failing to take advantage of the best rates on the market by remortgaging.

A huge issue is the lack of awareness and many homeowners are simply reluctant to face the ordeal of switching. However, with mortgage rates at record lows, and mortgage brokers and lenders making switching mortgages easier than ever, now is the time for borrowers to take charge of the situation."

If you are interested in saving yourself money on your mortgage payments then please contact the Mortgage Brain on 0333 340 8888 or email We would be delighted to help you review your mortgage and offer some options to save you money on your annual mortgage payments.

Refer A Friend

Tuesday, December 13, 2016 10:45:00 AM

Here at The Mortgage Brain we are extremely proud of the service we offer to our customers, many of whom return to us for mortgages and remortgages again and again.

Because of the excellent customer service we offer and the competitive mortgage deals we can access, we are regularly recommended by our customers to their friends and family.

When our customers recommend us and our services we like to say 'thank you' by sending them a Marks & Spencer gift voucher.

If you know somebody looking for a mortgage or remortgage ask them to contact us on 0333 340 8888 or email and tell them to mention that you've recommended them. As a thank you we will send you the M&S gift voucher, and we also promise to look after them well and find them an excellent deal too.

Help to Buy Mortgage Guarantee Scheme - Ends 31st December 2016

Wednesday, December 07, 2016 10:15:00 AM

How does it work?

A mortgage supported by the Help to Buy: mortgage guarantee scheme works in exactly the same way as any other mortgage other than the fact that the Government offers lenders the option to purchase a guarantee on mortgage loans.
Because of this support any lenders taking part are able to offer home buyers more high loan-to-value mortgages (80-95%).

You remain fully responsible for your mortgage repayments. So, if you have a 5% deposit, you will need to take out and pay back a 95% mortgage.

Who is eligible?

A mortgage under the Help to Buy: mortgage guarantee scheme works like any other mortgage. Your lender will check that you can afford the mortgage and that your credit ratings are sufficient to lend on.
To qualify for a mortgage supported by Help to Buy: mortgage guarantee:

  • the property can be an existing or new build home in the UK, priced up to £600,000
  • you must not own any other property anywhere in the world at the time you buy your home supported by the Help to Buy: mortgage guarantee scheme
  • your mortgage must be a repayment one, not interest only. Offset and guarantor mortgages are also excluded from the scheme
  • you cannot let out the property to somebody else
  • mortgages can only be taken out by individuals and not businesses.
  • other than using a Help to Buy: ISA to boost your savings, you cannot use the Help to Buy: mortgage guarantee scheme with any other government home-buying scheme such as Help to Buy: Equity Loan, Shared Ownership or Right to Buy. Your deposit for the property cannot come from publicly-assisted loans
  •  there are no additional fees to the Government to get a Help to Buy mortgage
  • the size of the mortgage must be less than 4.5 times your income.

How To Apply?

Contact the Mortgage Brain in Gloucester on 0333 340 8888 or email for more information or to apply. We work with a huge number of the lenders supporting this scheme and can work with you to find the mortgage best suited to your requirements …. but be quick because the mortgage guarantee scheme ends on the 31st of December 2016.

Airbnb News on London Home Rentals

Wednesday, December 07, 2016 9:23:00 AM

Airbnb is set to rigidly enforce a ban home owners in London renting out their homes for more than 90 days a year without permission.

Airbnb has taken this decision to address concerns that some of its users were abusing the system and damaging housing demand.

Airbnb is a peer-to-peer online market place that allows people to list and/or rent their residential properties allowing people to stay at the property at a rate agreed by the property owner.

British Property Federation director of policy Ian Fletcher says: "We are delighted to see this announcement, which is something we and many others have been calling for".

"Airbnb's co-operation in enforcing the 90-day rule is the missing link in ensuring that planning law is abided by in the capital. The company has made a very sensible decision that it should assist in that and in so doing follow good corporate practice, rather than face persistent PR damage".

"Airbnb provides an excellent platform for Londoners seeking to let out their homes temporarily, and the continuation of this has never been at stake. Rather, this change will help curb the increasing number of companies abusing the law and letting London's homes out as permanent hotel rooms."

Airbnb will put the rule into place in Spring 2017.

Landlords Rents Set to Rise

Tuesday, December 06, 2016 1:09:00 PM

A rise in confidence among landlords in Autumn showed 54% expressing a positive outlook for their investments, up from 39% in a Summer poll.

However, the Kent Reliance Buy to Let Britain report found that landlords will increase rents further in 2017 as a reflection on tax increases.

The report carried out in partnership with BDRC Continental surveyed 900 property investors and found that property investors are turning to limited company loans, with 100,000 issued in the first nine months of the year, double the total for 2015.

The survey found that 11% of landlord participants had already incorporated, or moved holdings to a lower-rate tax paying spouse or partner to limit their tax exposure, while a further 25% are considering doing so in advance of the forthcoming changes to BTL tax interest relief. Kent Reliance estimates limited company lending in 2016 could total 143,000 for the year as a whole, rising to 163,000 in 2017.

Following the Association of Residential Letting Agents (ARLA) figures, which found that rents hit an 18-month high in September, the report predicts that rents are likely to increase further in 2017 with as many as 35% of landlords expected to increase rents in the next 6 months alone by an average of 5.4% - equivalent £571 per year for the tenants. The reasons cited are higher taxes and the strength or tenant demand. The recent budget announcement to ban letting fees, while providing a welcome reduction in tenants' upfront costs, will see any additional costs for landlords factored into rents.

Extra pressure will also come from the Prudential Regulation Authority's (FPC) new underwriting standards, due for implementation next year for, Kent Reliance believe, forecasting that rents will rise by an average of 3%.

OneSavings Bank chief executive Andy Golding says: "Property investors have had to roll with punches in 2016. The stamp duty levy clearly took its toll on the market, and combined with the forthcoming tax changes, landlords have felt at the mercy of a political agenda. But confidence is returning as landlords take action to limit the damage to their finances. The use of limited companies is soaring, and rents are increasing, even after one of the biggest surges in rental supply in recent history.

"There is still more to come for the buy to let sector next year. The PRA's new underwriting standards are due to be implemented, the tax changes begin to take effect, and there is yet more potential intervention in the form of the FPC's new powers. If the cumulative effect of constant change undermines the expansion of rental properties, this will simply exacerbate the housing crisis.

"The raft of recent measures aimed at the buy to let sector singularly sought to increase home ownership levels. Ironically, they will achieve the opposite, with even greater upward pressure on rents combined with the prospect of declining real incomes likely to stretch affordability even further. We have warned all along that the tax changes will push up rents, and this is already starting to happen. The ban on often unjustifiably high letting fees is well intentioned. However, it also means landlords could pass higher costs onto tenants, doing little to bring down the overall cost of renting.

"Only through a substantive and long-term building programme across all tenures will we see an end to escalating house prices and rents. The Chancellor has moved to provide more support for house building, but it is not yet enough to see the step-change in supply that we need."

If you are a landlord looking to increase your property portfolio, or a tenant looking to purchase a home please contact The Mortgage Brain in Gloucester on 0333 340 8888 or email We look forward to hearing from you.

A ‘5 Star’ Facebook Review

Thursday, November 17, 2016 11:33:00 AM

Here at the Mortgage Brain we pride ourselves on working hard to deliver the best possible service for our customers. With this in mind it is always awesome when a client shares a great review with the World on our Facebook page.

We would like to say "thank you" to Samuel Hopson from Gloucester for leaving this excellent review for us.

"Faultless service, from our initial mortgage enquiry right the way through to completing on our first home. Kept us informed the whole way through the process. Every person we spoke to was extremely helpful and knowledgeable. Will be recommending to all our friends".

Its always great to hear we are doing a great job and we always appreciate those who take the time to offer feedback about our service too.

If we can help you with a mortgage and hopefully give you great reason to leave a fantastic review on our Facebook page then please contact us on 0333 340 8888, email or visit

Mortgage Costs Are At a Record Low

Thursday, November 17, 2016 9:50:00 AM

The Council of Mortgage Lenders (CML)  say mortgages are now more affordable than they have ever been.

In September, the average homeowner - excluding first-time buyers - spent 17.7% of his or her monthly income on mortgage repayments, the CML said, where a comparison from eight years ago showed they spent 23.7% of their income on repayments when interest rates were higher.

The figures represented a historic low said the CML and this positive news should help more people to buy their own home.

Figures show that first-time buyers are spending 17.8% of their income paying their mortgages, compared with 24.7% in November 2007, which was a recent high.

The average total of a household income being spent on repayments would have been even higher in the 1970s and 80s, when interest rates were as high as 17% a year, the CML said.

This positive news from the CML come after the Bank of England's decision to cut base rates to 0.25% in August, which resulted in many lenders cutting mortgage rates further.
There are now some great mortgage deals available with two-year fixed rates now being available for as little as 0.99%.

"Mortgage affordability reached a historic low in September, for both first-time buyers and home movers, which partly reflects the re-pricing of mortgages following August's base rate cut," said Paul Smee, the director general of the CML.

"This should help turn strong appetite for home-ownership into a reality as we approach the closing months of the year."

Here at The Mortgage Brain, we agree that it is a great time to mortgage or remortgage. With excellent rates available mortgages have never been more affordable.

If you are interested in a new mortgage or looking to remortgage please contact us on 0333 340 8888 or email We will be happy to offer advice and discuss any mortgage requirements you may have.

We look forward to hearing from you here at The Mortgage Brain.

Could a Trump win help the UK property market?

Wednesday, November 16, 2016 10:08:00 AM

International property experts have forecast there could be greater demand for UK housing from US and other international buyers following Donald Trump becoming US President.

While some have argued that a volatile financial market could dent the confidence of UK homebuyers affecting sales, others suggest that US citizens looking to move to Britain could boost demand for homes, particularly in London.

In addition to this, some have predicted that international investors looking for a safe haven for their cash might be more confident to buy property in the UK rather than the US following the election result.

Louisa Brodie from Banda Property says: “Following this morning’s shock result in the US, London is waiting to assess what Donald Trump’s victory really means.

“With global stock markets currently in turmoil and the weakening of the US dollar, Central London’s property market is going to look increasingly attractive to those who fear the Trump effect.

“We are likely to see US citizens, perhaps most of all those wealthy elite who were most offended by his campaign tactics, move to the UK now that the reality of the voters’ decision is sinking in.

“After a viciously fought campaign that has not endeared him to many around the world, particularly the Middle Eastern markets, London may now appear a far more attractive option to these buyers who had previously considered buying in the US.

“Banda has already seen an increase in US dollar buyers in Central London since the Brexit vote in June and now we are going to see more Americans considering a move to London in the aftermath of today’s result.

“The recent fall in the value of sterling means there are even more attractive options available in the London market for buyers from across the Atlantic.”

Stirling Ackroyd head of residential development Nick Davies adds: “For Americans terrified of Trump, it’s worth considering a move to London.

“The recent fall in the value of the pound against the dollar means there are great deals available in the London market for buyers from across the Atlantic.

“While the Capital’s house prices have risen 13 per cent year-on-year for domestic buyers, those using the dollar will find homes in London are almost 10 per cent cheaper than a year ago.”

For mortgage and financial advice regarding mortgages in the UK please contact The Mortgage Brain on 0333 340 8888, email or visit

We look forward to hearing from you.

Life Can Quite Easily Send You in Another Direction ...

Tuesday, September 27, 2016 1:20:00 PM

Becoming an accidental landlord can become a reality!

We never know what life will bring, and all of a sudden the direction in your life can change overnight.

Here at The Mortgage Brain we are talking to more and more people who have become 'accidental landlords' due to the circumstances in their life changing. An accidental landlord is somebody who ends up having a property to rent out due to life changes that could include;

  • Inheriting a property after a death.
  • A divorce or separation causing the property to be rented out.
  • Meeting a partner with their own home, and you move in renting your home out.
  • Relocating for work or personal purposes.

These situations can leave you unprepared about becoming a landlord, and if you have never rented out a property before here is a little bit of advice regarding the subject that is worth considering:

  1. Market your property well: Highlight the best features such as location, local ammenities, decor and any luxuries the property may have. Choose a realistic price that allows you to make a profit but doesnt make the property unmarketable. Have  a look around at other local properties being let out to get a good idea of what is realistic.
  2. Make sure you are covering all of your legal responsibilities: There are many legal and contractual requirements for you to consider both with your mortages and insurances when choosing to let out your property. We can offer you advice on all of this at The Mortgage Brain here in Gloucester. 
  3. Be a good landlord: Many landlords are faceless people who collect money via direct debits and never talk to their tenants. Always respond to queries and deal with their issues and they will respect you for it. The relationship will be better and you are far more likely to have good tenants and less issues when they are happy and living in a proplem free property.
  4. Use a mortage advisor: Here at The Mortgage Brain our knowledge, advice and information is invaluable, and will help to ensure you are doing everything correctly and legally. In addition to this we will look at the commercials and work with you to maximise the profit you make on the property.

Should you become an accidental landlord and need help or advice then please contact us here at The Mortgage Brain in Gloucester on 01452 554433 or email

Another 'Hole In One' For The Mortgage Brain

Thursday, September 08, 2016 2:30:00 PM

Now a key sponsor at Gloucester Golf Club

The Mortgage Brain are pleased to announce we have agreed a deal to sponsor the ball washers at Gloucester Golf Club in Robinswood.

The golf course is beautiful, with incredible views, and its an amazing place to play golf.

We'd recommend any keen golfers (or those looking to learn to be the next Tiger Woods) give this course a try ... you wont be disappointed!

Are you looking for your dream home in Gloucestershire?

Thursday, September 01, 2016 2:31:00 PM

Why not ask Amanda Lamb & Channel 4's Selling Houses team for help!

Channel 4's Selling Houses with Amanda Lamb is Filming in Gloucestershire

Are you looking for your dream home in Gloucestershire? Would you like some help from property guru, Amanda Lamb?

Channel 4's successful property programme, Selling Houses with Amanda Lamb would love to hear from people who are trying to buy a house in the Gloucestershire area!

House Hunters will be needed for one day of filming on either the 12th or 13th September.

They will be the first to view the three newly transformed properties and will have the option of putting in an offer before anyone else!

If keen, please email: or call 0207 539 2017 ASAP to speak to a member of the team.

And remember if you need help with your mortgage we are available to discuss your requirements, and will look for the perfect mortgage for you. Please contact our Gloucester office on 01452 554433 or email using our contact page here on the website.

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