Tessa - Mortgage Adviser

Tessa - Mortgage Adviser First home? Remortgaging? Let’s make it stress-free. I help UK buyers secure mortgages with confidence – no jargon, just results.

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See LinkedIn for experience 👇🏽

http://linkedin.com/in/tessa-d-souza-kanabar-cemap-922b5193 With nearly 20 years of experience in the financial industry, I bring a wealth of knowledge and a passion for helping people find their dream homes. My journey began in 2004 with NatWest, where I climbed the ranks to become a branch manager over my 10-year tenure. During this time, I dabb

led in mortgage advice, sparking a new passion. After a year of traveling and reflection, I decided to dive fully into the mortgage industry, earning my CeMAP qualification independently. In 2016, I began my career as a mortgage and protection broker, quickly advancing to a mortgage partner with three promotions in just eight years. Along the way, I was honoured with multiple "Mortgage Broker of the Year" awards. What sets me apart is my commitment to going beyond just securing a mortgage—I’ll help you find your dream home, liaise with estate agents, and support you through every step of the buying process, from making offers to finally getting the keys. Having worked for one of the largest estate agency groups, I knew it was time to take my expertise and passion to the next level by becoming an independent, self-employed mortgage and protection adviser. Now, as a whole-of-market broker, I can truly offer personalised mortgage solutions that fit your unique needs. Whether you’re buying your first home, buying an additional property or re-mortgaging, I’m here to guide you through the entire process, making it as smooth and exciting as possible. Let’s make your dream home a reality


Areas of expertise:

• Home movers
• Re-mortgage
• First time buyers
• Bad credit
• Self employed
• Debt consolidation
• Buy to let

How to use someone else’s income to get a mortgage 👀🏡Not everyone can borrow enough on their own.That’s where a Joint Bo...
24/06/2026

How to use someone else’s income to get a mortgage 👀🏡

Not everyone can borrow enough on their own.

That’s where a Joint Borrower Sole Proprietor (JBSP) mortgage can help.

In simple terms, someone joins the mortgage with you and their income is included in the affordability assessment.

This can potentially increase how much you’re able to borrow.

The key thing people don’t realise?

🏡 You own the property

📝 The other person is on the mortgage but not the title deeds

Who can help?

Often parents, grandparents or siblings, although this can vary depending on the lender.

A JBSP mortgage can be particularly useful for buyers who have a good income but need a little extra affordability support to get onto the property ladder.

It’s important to remember that the joint borrower is still legally responsible for the mortgage if payments aren’t maintained, so it’s a significant commitment for everyone involved.

There are also additional caveats and considerations with this type of mortgage, which is why it’s important to understand the full implications before proceeding.

Independent legal advice should always be considered, as neither I nor the lender can advise whether this is the right route for your personal circumstances.

For some buyers, this can be the difference between buying now and waiting several more years 👀

For more information on how a JBSP mortgage works, speak to a broker.

Your home may be repossessed if you do not keep up repayments on your mortgage.

23/06/2026

I asked children: “What’s the most important thing in a house?” 🏡🤍

As adults, we spend years chasing the next thing.

A bigger house.

An extra bedroom.

A nicer area.

A bigger garden.

More space.

Then you ask a child what’s most important in a home…

And they say:

🤍 Mummy
🤍 Daddy
🤍 My dog
🤍 My toys
🤍 Hugs

Not one of them mentioned square footage.

Not one cared about the value of the property.

Not one asked how many bathrooms it had.

It made me stop and think.

Sometimes we’re so focused on upgrading our lives that we forget what makes a house feel like home in the first place.

To children, home isn’t a building.

It’s safety.

It’s love.

It’s the people waiting for them when they walk through the door.

And I’m pretty sure if pets could talk (apart from parrots 😜), they’d probably say exactly the same thing.

Maybe there’s something really powerful in that reminder ❤️

22/06/2026

Are you worried recent headlines could affect mortgage rates? 👀🏡

With Keir Starmer announcing his resignation and ongoing uncertainty in global markets, it’s understandable that borrowers are asking questions about what happens next.

But here’s the important thing:

Political uncertainty does not automatically mean mortgage rates will rise.

What matters most for mortgage rates remains:

✅ Inflation
✅ Bank of England decisions
✅ Swap rates
✅ Wider economic conditions

Could rates move in the future?

Of course.

But anyone claiming today’s headlines automatically mean higher mortgage rates tomorrow is oversimplifying a very complex picture.

For now, lenders, brokers and borrowers will be watching the data rather than reacting to headlines.

If you’re looking at a mortgage soon, securing a rate can provide some certainty.

And if rates improve before completion, many lenders may allow you to switch to a lower product, subject to their criteria and product availability.

The market doesn’t like uncertainty.

But uncertainty doesn’t automatically mean higher mortgage rates 👀

Your home may be repossessed if you do not keep up repayments on your mortgage.

Why getting an Agreement in Principle early could save you thousands 👀🏡A lot of buyers wait until they’ve found a proper...
22/06/2026

Why getting an Agreement in Principle early could save you thousands 👀🏡

A lot of buyers wait until they’ve found a property before thinking about a mortgage.

That can be a costly mistake.

An Agreement in Principle (AIP) gives you a clearer idea of what you may be able to borrow before you start viewing properties.

Why does that matter?

✅ You know your budget from the start
✅ You avoid falling in love with homes outside your price range
✅ Estate agents and sellers often take your offer more seriously
✅ You can move quicker when the right property comes along

In a competitive market, being mortgage ready can make all the difference.

And if there are multiple offers on a property, having an AIP in place can help put you in a stronger position compared to someone who hasn’t started the process yet.

Sometimes the biggest savings come from being prepared before you even start house hunting 👀

Your home may be repossessed if you do not keep up repayments on your mortgage.

Happy Father’s Day 🤍Happy Father’s Day to the best daddy my little boy could ever ask for.Thank you for always looking o...
21/06/2026

Happy Father’s Day 🤍

Happy Father’s Day to the best daddy my little boy could ever ask for.

Thank you for always looking out for him, fixing his toys when they mysteriously break, giving the best daddy cuddles, and loving him unconditionally every single day.

Watching the bond you have together is something I’ll never take for granted.

We are so lucky to have you and can’t wait to celebrate you today 🤍

Love from your little man 🥰

Happy Father’s Day to all the amazing dads, stepdads, and father figures out there. ❤️ Thinking of those who hope to be dads one day, and those remembering dads who are no longer with us. Sending love to you all today. 💙❤️

20/06/2026

“Tessa, I see you everywhere on social media!” 👀🤣

Good.

Because if you’re seeing me, it means I’m showing up.

And in business, that’s important.

Visibility builds familiarity.

Familiarity builds trust.

Trust builds business.

People are far more likely to work with someone they know, recognise, and feel comfortable with.

So if you keep seeing my face pop up… it’s all part of the plan 😜

Amazing review from an amazing client 🤍I received a lovely review from a client recently, and it genuinely made my day.F...
20/06/2026

Amazing review from an amazing client 🤍

I received a lovely review from a client recently, and it genuinely made my day.

From start to finish, he was a pleasure to work with.

✅ Patient throughout the process
✅ Quick to provide documents whenever needed
✅ Helped keep everything moving smoothly

And the best part?

✅ Mortgage offer secured.

Moments like these remind me why I love what I do.

I’m incredibly grateful to have such amazing clients and never take their trust for granted 🤍

Your home may be repossessed if you do not keep up repayments on your mortgage.

The most expensive word in property is… “wait.”I’ll wait for rates to come down.I’ll wait for prices to drop.I’ll wait u...
19/06/2026

The most expensive word in property is… “wait.”

I’ll wait for rates to come down.

I’ll wait for prices to drop.

I’ll wait until next year.

I’ll wait until things feel more certain.

Sounds sensible.

Sometimes it is.

But here’s the controversial truth 👇

Waiting is still a decision.

And every decision has a cost.

Sometimes waiting saves money.

Sometimes waiting costs opportunities.

The problem?

You only know which one it was afterwards.

I’ve seen people wait and win.

I’ve also seen people wait so long they missed the very thing they were hoping for.

The reality is that nobody has a crystal ball.

Not brokers.

Not lenders.

Not economists.

Not the people on social media pretending they do.

The best decisions aren’t usually made when everything is certain.

They’re made when the numbers make sense for you.

And that’s a conversation that doesn’t happen enough.

Bank of England holds interest rates at 3.75% 👀🏡No real surprises here, as markets had largely expected rates to remain ...
18/06/2026

Bank of England holds interest rates at 3.75% 👀🏡

No real surprises here, as markets had largely expected rates to remain unchanged.

The Bank of England is continuing to keep a close eye on inflation, wage growth, the wider economy, and ongoing uncertainty across global markets.

The latest inflation figures showed prices rising by 2.8%, which is still above the Bank’s 2% target, but lower than many economists had expected.

So what does this mean for mortgage borrowers?

📌 Rates haven’t increased today
📌 The focus now shifts to when the next rate cut might come
📌 Lenders will continue monitoring inflation and economic conditions closely

For now, it’s very much a case of “watch this space”.

The big question isn’t what happened today…

It’s what happens next 👀

Your home may be repossessed if you do not keep up repayments on your mortgage.

18/06/2026

The reality of taking a day off when you’re self-employed 😅

Take one day off.

Come back.

And somehow it feels like you’ve been away for three weeks 🤣

📧 Emails everywhere
📱 Messages to reply to
🏡 Mortgage updates to chase
📞 Calls to make

You spend years dreaming about flexibility and freedom…

Then find yourself wondering how so much happened in 24 hours

The joys of being self-employed.

Wouldn’t change it for the world though 🤍

Address

Uxbridge

Telephone

+447912000422

Website

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