Trojan Financial Services Ltd

Been told that bad credit means you can’t get a mortgage by your bank or estate agent? ❌ That’s just one of the many myths out there. Here’s the truth: 😎

Myth: "No Mortgage Options with Bad Credit"
Reality: Specialist lenders offer tailored mortgages for those with adverse credit.

Myth: "You Need a Huge Deposit"
Reality: Many lenders accept deposits as low as 10-15%.

Myth: "Interest Rates Will Be Sky-High"
Reality: Rates vary—working with a broker can help you find competitive options.

Myth: "Only Recent Credit Issues Matter"
Reality: Lenders consider your entire credit history, but older issues matter less.

Myth: "You’re Stuck with a Bad Credit Mortgage"
Reality: As your credit improves, you can re-mortgage to better deals.

Don’t let these myths hold you back. If adverse credit is keeping you from homeownership, let’s talk. Get in touch today, and lets explore your mortgage options! 🏡

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debt against your home)

We sometimes get asked "Why should I use a broker, can't I just do this myself?"🤔

The short answer is, yes of course you can. But just in case you wondered why a broker can benefit you, have a read of this ⤵️

🏦 The Crucial Role of a Mortgage Broker in Your Home Buying Journey 🏦

Navigating the mortgage market can feel like stepping into a maze—confusing, overwhelming, and full of jargon that leaves you more stressed than confident. But what if there was someone who could simplify this complex process, guide you to the best deals, and save you both time and money? That’s where a mortgage broker comes in.

So, what exactly does a mortgage broker do, and why should you consider working with one?

1. Access to a Wide Range of Lenders 💼
Mortgage brokers have access to a broad spectrum of lenders, from high street banks to specialist lenders you might not find on your own. This means they can shop around on your behalf, finding the best mortgage deals tailored specifically to your financial situation and needs.

2. Tailored Advice Based on Your Needs 📝
Every homebuyer’s situation is unique. Whether you’re a first-time buyer, self-employed, or looking for a buy-to-let mortgage, a broker will assess your specific circumstances and provide expert advice on the best mortgage options available to you. They’ll break down the pros and cons of each option, so you can make an informed decision.

3. Save Time and Reduce Stress ⏳
Finding the right mortgage can be incredibly time-consuming. A broker does all the legwork, from comparing rates to handling the paperwork. They’ll liaise with lenders, manage the application process, and keep things moving smoothly, so you can focus on other aspects of your home buying journey.

4. Help with Complex Situations 🧩
If your situation is a bit out of the ordinary—like having a poor credit history or irregular income—a mortgage broker can be invaluable. They know which lenders are more likely to accept your application and can advise on steps to improve your chances of approval.

5. Potentially Lower Costs 💷
Brokers often have access to exclusive deals that aren’t available directly to the public. These deals can offer lower interest rates or better terms, saving you money over the life of your mortgage. Plus, a broker’s fee is usually more than offset by the savings they can secure for you.

6. Ongoing Support and Advice 📞
Your mortgage isn’t a one-time decision; it’s a long-term commitment. A good mortgage broker will continue to provide support even after your mortgage is in place, advising on re-mortgaging options, changes in interest rates, and any other financial decisions related to your home.

The Bottom Line?
A mortgage broker isn’t just another step in the home-buying process—they’re your ally, working to ensure you get the best deal possible, with the least amount of stress. In a market that’s constantly changing, having an expert on your side can make all the difference.

Thinking about buying a home or re- mortgaging? Reach out today, and let’s discuss how a mortgage broker can help you achieve your homeownership goals. Don’t go through this process alone—get the expert support you deserve.

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debt against your home)

Its not just mortgages that we can offer you 🏡

When was the last time you had a review of your protection plans ❓

Have your circumstances changed - started a family?👶 Changed Job? 📝 Gone Self Employed from Employed or Vice Versa? 🤔Stopped smoking for 12 months or more 💪

Ensuring yourself and your family are financially protected is important, whether you own your own home or rent.

Why not contact us at and allow us to help make sure the ones you care about the most are properly protected.

There have been some remarkable displays of remembrance over the course of the 80th anniversary of D Day. We will forever be grateful for the ultimate sacrifice made by the servicemen and women who fought for our freedoms.

Interest rates are continuing to bounce around at the moment, with changes that even Mystic Meg would struggle to keep up with 🤯

However, here are a couple of positive points to make on this;

1 - The moment an application is submitted to the lender, that rate is locked. So regardless of if rates do increase, you’re application isn’t impacted 🤝
2 - During the application process, if your lender drops their rates we will ask them to switch the rate for you, ensuring you end up with the best rate for your circumstances 🙌

Let us take the stress off of your shoulders with your mortgage enquiry, whether it’s your first home, a new home, an investment home or even a remortgage, we can help you 🫡

With one single point of contact from initial enquiry, to getting your keys, why not let help make your 2024 mortgage dreams a reality 🏡

For more information, please contact us on ⤵️

[email protected] 📧
Facebook Message 📲💻

Your home may be repossessed if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home.

Exciting First Time Buyer Update 🗣️

Today a lender has launched a £5k deposit scheme! This means that on a property between £100,000 to £500,000 this equates to either a 5% or 1% deposit 🤩

This could really help those with smaller deposits get onto the housing ladder which is 🙌

Key points ⤵️

• At least one applicant must be a First Time Buyer
• 5 Year Fixed Rate Product
• Available for house purchases above £100,000 up to £500,000
• Maximum Age of 70 at the end of the mortgage term
• Subject to credit score, affordability and criteria
• Excludes Flats, New Builds and properties in Northern Ireland

So, if you’re a first time buyer, with a deposit of £5000, why not drop us a line to see if we can help you get that dream home 🏡

[email protected] 📧
Facebook Messenger 📲

(Your home may be repossessed if you fail to maintain the repayments on your mortgage.)

This week has seen one lender increase their rates on some products - firmly bucking the trend of recent weeks with a continual reducing of rates across the board 👀

Does this mean its panic stations 😣 Absolutely NOT!! 👨‍💼❌

What this does show, is how volatile - still - the market is, and how little tweaks in outside influences can effect these things. 📉📈

So if your mortgage is up for renewal, within the next 6 months, get in touch and lets see how we can help you 🤝 And please dont worry, if rates continue to drop, we can still move you to a lower rate!

Facebook Message 📲
[email protected] 📧

(Your home may be at risk if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home.)

So according to Pepper Money & Mortgage Introducer, 6 out of 10 people with adverse credit in the last 3 years will be looking for Mortgage Broker assistance on their house search over the next 12 months. That is up by 34% on the previous year.

Been told by your bank or estate agent you aren't able to get a mortgage? ❌

Did you know we can help if you have had adverse credit in the past?*✅

Just because your bank has said no, doesn't mean you mortgage plans stop there 🙌

Get in touch with us via the channels below and let us see if we can help you with your mortgage search.

[email protected] 📥
Facebook Message 📲

(Your home be at risk if you fail to maintain repayments on your mortgage. Think carefully before securing debt against your home.)

*subject to criteria

https://www.mpamag.com/uk/mortgage-types/adverse-credit/increasing-number-of-adverse-credit-customers-seeking-broker-advice-study/472924?hsmemberId=756651&tu=&utm_campaign=&utm_medium=20240115&_hsmi=290017737&_hsenc=p2ANqtz-9MOitvE8uajgOVn_7USfNjIRmrtg6IzN0_ycny5162UmRcglbhnT7zdNwyhX3A6nIHCeYgpOwjL-Xefcm2wL35Mu-4Yw&utm_content=&utm_source=

To all our clients both new and old, we wish you a very happy and healthy new year.

We look forward to helping you with all your home dreams in 2024 🏡

Let’s go 2024 🙌

🚨 Bank of England hold the Base Rate at 5.25% 🚨

Welcome relief to the industry, and with interest rates still trending downwards 📉 we are seeing a busy December. 🎄

So if you’re hoping for a mortgage Agreement in Principle from Father Christmas 🎅 this year, then don’t delay in getting in touch. 📲

Would be a pretty good way to kick start your New Year, securing your perfect home! 🏡

Feel free to contact us on;

[email protected] 📧
Facebook Message 📲

(Your home may be at risk if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home.)

Base Rate Held at 5.25% ⏸

Interest rates continuing to drop pretty much across the board 📉

Looking to move?! Why not get ahead of the January rush and get an Agreement in Principle secured now. ✍️It can make all the difference when negotiating a purchase price 🤝

Current mortgage deal ending within the next 6 months 🧐 Secure a new rate now and we can continue to change this in line with any future rate drops 📊

[email protected] 📧
Facebook Message us and we can book a time to call you back 📞

(Your home may be at risk if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home)

Base Rate has today been frozen at 5.25% 😅 The first time since November 2021 where it hasn’t been increased - annnnd breathe for a minute! 🏦

Whilst we don’t know what will happen moving forward, we have seen lenders reducing rates over the past couple of weeks. And with lenders showing flexibility in their systems to allow a change in product prior to completion if rates continue to drop, now could be a good time to cross ‘sorting out the mortgage’ off of the to-do list. ✅

📧 [email protected]
📱 Facebook messenger

Use either of the two contact options above to get in touch to book a chat to see how we can help.

( Your home may be at risk if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your new home.)

As it is Income Protection Awareness Week, we wanted to get you thinking about, what you would do if you were off sick and your income stopped 🤔🤕
So;
Do you get sick pay? If so, do you know how long it would cover you for? What would you do when this finishes?

Could you survive on statutory sick pay? (£109.40 per week 😱)

If there are two income earners in the home, could one of you cover all bills if the other was off sick? 🤷‍♂️🤷‍♀️

If you're self-employed, what is your contingency plan? 🩺

What luxuries would you need to cut back on?

With access to a comprehensive panel of providers, why not get in touch with us this week to see how we can help you and your families. 🫂

[email protected] 📧 for more information and how we can help.

🚨BIG UPDATE ANNOUNCEMENT🚨

Back in May, we had a new 100% product that was launched for First Time Buyers, who could meet certain rental criteria. 🧐

Well as of today, this offering has been extended out to anyone who hasn't owned a home in the last 3 years* 🥳🙌

The same rental criteria applies, but the removal of this being just for First Time Buyers will open this up to many other prospective homebuyers. 🏡

📧[email protected] to discuss your options and see how we can help.

(Your home may be at risk if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home)

*if a joint application is proposed, neither applicant can have owned a home in the last 3 years.

🗣 Calling all First Time Buyers🏡Boy, do we have some good news for you 🤩⤵️

🔘Rented for 12 consecutive months out of the last 18 Months and can prove rent and household bills payments on time ✅
🔘Aged 21 or above✅
🔘Deposit of 5% or less ✅
🔘Good Credit History ✅

100% Mortgages are back* 💥👊

Get in touch to see how this can help you 🫵

[email protected] 📧
https://www.trojanfs.co.uk/ 💻
Facebook Messenger 📲

*other qualifying criteria will apply

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debts against your home)

Well this year has been a bit of a yo-yo effect so far to say the least! 🤯

However this post from February is now ringing true. Rates seem to be trending down, lenders are on top of their processing timescales, and we are still here ready to help you 🫵

So, what are you waiting for 🧐

Contact us via email [email protected] and let us see how we can help you in this ever changing market. 📉

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debts against your home)

A reminder of how we can help you 🫵

An experienced broker in this current climate can take the worry and stress away from finding the best deal for you. 🤯

Don't just take our word for it, see what our clients have said https://www.trojanfs.co.uk/customer-comments 🤗

If you feel we can be of assistance then please get in touch on the details below ⤵️

📧[email protected]
📲Facebook Message us and we will be in touch

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debt against your home)

Anyone feeling festive?! 🎄🫣

Didn’t think so 😳

However what this reminds us is, it’s less than 6 months until 2024 😱

So if your mortgage deal is ending ANYTIME between now and the end of the year, now is the time to contact us so we can asses your options and look to secure you a new deal 📝

The market is still a little volatile, so securing now gives you the peace of mind of knowing if rates rise, you would have secured early. 🥳

Contact us to discuss your options ⤵️

📧 [email protected]
📱 Facebook Messenger

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debt against your home.)

🗣 Calling all First Time Buyers🏡Boy, do we have some good news for you 🤩⤵️

🔘Rented for 12 consecutive months out of the last 18 Months and can prove rent and household bills payments on time ✅
🔘Aged 21 or above✅
🔘Deposit of 5% or less ✅
🔘Good Credit History ✅

100% Mortgages are back* 💥👊

Get in touch to see how this can help you 🫵

[email protected] 📧
https://www.trojanfs.co.uk/ 💻
Facebook Messenger 📲

*other qualifying criteria will apply

(Your home may be at risk if you fail to maintain the payments on your mortgage. Think carefully before securing debts against your home)

Let us help you navigate an often complicated and fast moving mortgage market 🏡

A mortgage broker can be worth their weight in gold in the current climate. 💪

Have you been in touch to see how we can help you with your 2023 mortgage goals ⁉️

(Your home may be repossessed if you fail to maintain your mortgage. Think carefully before securing debt against your home)

Interest Rates - Trending ⬇️
Lenders Turnaround time - Trending ⬇️

Speed at which you can secure a new deal - Trending ⬆️😉

The market has seen some stability return which is welcome news 🙌

Get in touch to see how we can help with your mortgage needs. ☎️ 📧

(Your home may be repossessed if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home)

Anyone else 🫣

So here we are, 2023 🎆

What are your goals for this year 🤔

New Home?
First Home?
An investment property?
Home Improvements?
Tidying up your finances via debt consolidation?

We can help with all of the above ⬆️(and more) 🏡

Why not get in touch and see how we can help with your goals this New Year 🤝

Get in touch via Facebook messenger 📲 or email 📧 [email protected]

Your home may be repossessed if you fail to maintain the repayments on your mortgage. Think carefully before securing debt against your home.

Wishing you all a Happy and Healthy New Year. Tomorrow is the first chapter of a new book, let’s write a good one.