Happy New Year from us all at TS Mortgage Specialists!  We all had a lovely time over the festive period, and we are now well rested and eager to start 2026 with a bang.  2025 saw us working with lots of fabulous new clients while continuing our great relationship with existing clients. We have provided a top-level service and mortgage advice to clients who are first time buyers,…

As we draw near to the big day, we just wanted to thank you all for choosing TS Mortgage Specialists for your Mortgage and Protection needs in 2025.  2025 was our 2nd year as a Mortgage and Protection company and we can’t express how grateful we are for your continued support.…

This month has marked 50 years of women being allowed to apply for a mortgage without permission from their fathers or husbands. In November 1975 an act was passed which allowed women to become more financially independent and to apply for a mortgage without the male guarantor.  Over the past five decades, more and more women have taken ownership of…

When you apply for a mortgage in the UK, lenders must follow rules from the Financial Conduct Authority (FCA) to ensure you can afford the loan — both now and if interest rates rise. Lenders look at several key factors, and they tend to look at 4 main areas. Here we…

First-time buyers are often faced with lots of jargon and unfamiliar terminology, so here is a round up some of the most common terms and phrases in one handy guide. This isn’t a comprehensive list but should be enough to get you started. Don’t forget your mortgage broker is always…

After the recent BBC Panorama documentary where a reporter went undercover at one of the UK’s biggest estate agents to investigate claims that it’s not acting in the best interest of the customers, we thought it was the right time for us to highlight a few truths for our clients…

Applying for a mortgage can be an intimidating prospect. Where do you start looking? What product best suits your needs? How do you get your head round all the paperwork?  One way that may make this daunting process a little easier is to use a mortgage broker.  A mortgage broker…

Applying for a mortgage can be a daunting prospect for some. But how many of your anxieties are fuelled by misconceptions and myths? 
 
Our mortgage advisers often hear from people with concerns that are totally unfounded; they’re simply not based on truths.  

You’ve seen a potential new home, it’s in budget and you want to know what to do next. Don’t make an offer just yet. Here’s what we advise.  First step, look on Rightmove and other property sites to find out what the average house prices in that postcode/area. The figures…

An interest only mortgage can be very appealing to homeowners who have other large outgoings. This type of mortgage has its own set of advantages and disadvantages, and these should be considered before making your final decision. Here’s a quick breakdown to give you an idea of the positives and…