Kay Schofield Valley Mortgages

29/09/2026

As you repay your mortgage and property prices change, the amount you borrow compared with your home’s value may also change.

This could influence which products and rates you are eligible for when it is time to review your mortgage. Eligibility will depend on your circumstances and the lender’s criteria. 📈🔑

A Just Mortgages adviser can help you understand where you currently stand: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

24/09/2026

When did you last look closely at the details of your mortgage?

Knowing what you currently owe, the conditions attached to your deal and whether any charges apply can help your adviser build a clearer picture of your needs. 🏠✅

Gather your latest mortgage statement and start preparing for your next review: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

22/09/2026

Six months can pass quickly, especially when there are finances, paperwork and lender requirements to consider.

Reviewing your mortgage ahead of time could help you avoid a last-minute rush and give you space to explore what may be suitable for your circumstances.🔍📄

💬Learn more about how you can prepare for your next mortgage: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

17/09/2026

🚨Base Rate Announcement🚨

17/09/2026

🏡 You do not necessarily need to be buying with a partner to become a homeowner.

Whether you could buy alone may depend on your income, available deposit, regular commitments, credit history and the price of the property.
Understanding your position early could help you set a realistic budget and focus your property search.

A mortgage adviser can help you understand your potential borrowing range and what could be realistic for your circumstances.

📩 Speak to a Just Mortgages adviser to take your first step towards home ownership: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

15/09/2026

Buying alone can mean managing each decision and cost independently, but you do not have to work everything out by yourself.

A mortgage adviser can explain the application process, help you understand how lenders may assess your finances and explore options based on your circumstances.

You may discover that your plans are already realistic, that you need more time to prepare or that adjusting your property budget could help.

📩 Speak to a Just Mortgages adviser about your next steps: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

10/09/2026

Preparing your financial information before speaking to a mortgage adviser could help make your initial conversation more productive.📄

You may be asked about your income, deposit, regular spending, existing commitments and the property price you are considering.

Income from self-employment, bonuses, commission or several sources may be assessed differently between lenders.

📩 Speak to a Just Mortgages adviser to find out what information you may need: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

08/09/2026

🏡 Buying a home does not have to be something you do with a partner.

Your mortgage options may depend on your income, deposit, regular outgoings, credit history and the price of the property you are hoping to buy.
A mortgage adviser can help you understand your potential borrowing range and whether home ownership could be realistic for you.

📩 Speak to a Just Mortgages adviser to explore your options: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

03/09/2026

Being self employed has its pros and cons. Here is a typical work/school day for me 👩🏻‍💻🙅🏻‍♀️💁🏻‍♀️

*disclaimer* not including me still sat at my laptop at 9pm some nights 🤣🫣

03/09/2026

🏠 A missed payment doesn’t always mean your mortgage plans have to stop.

Lenders may consider when it happened, how much was involved, whether it has been resolved and your current financial position.

If you’re thinking about buying a home, getting advice before you apply could help you feel more prepared.

🔗 Find out more via the link: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

01/09/2026

🔍 Had credit issues in the past and unsure where you stand?

Older credit issues may be viewed differently to recent ones, especially if they’ve been resolved and your finances have been managed well since.
Every lender has different criteria, so it’s worth speaking to an adviser before ruling yourself out.

🔗 Read the full blog here: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

06/08/2026

My fluffy appreciate for the day, she’s introduced herself to many customers on the phone today 🤣🫣

🐾😻

03/08/2026

I am very proud to announce my new website! I’m so pleased with how it’s turned out! Please take a few minutes to have a look 😀

31/07/2026

Gorgeous flowers delivered from a lovely client last Friday. Thank you Darren & Vivien 🥰💐

30/07/2026

21/07/2026

Thank you Lucy for a lovely review! 🤩

10/07/2026

I’m great at giving advice but not so great at following it 😂🫣

03/07/2026

I have had 8 mortgage completions today! That is a busy completions day even if I do say so myself 🤩

Congratulations to my clients who are all moving into their lovely new homes, the weather even made an appearance for you too! 🏡🔑🚚☀️

23/06/2026

🤩 Lots of lenders reducing rates this week which is brilliant news! 🤩

The markets seem to be really settling down after the turmoil earlier on in the year 📉

18/06/2026

📢📢📢