Busto paskolos by Rugile

06/08/2026

Ačiū savo klientams už dovanėlė ir mano darbo įvertinimą 🥰

06/07/2026

Kodėl patartumėte rinktis brokerį, o ne banką paskolų ar draudimų konsultacijai?

Iš esmės, brokeris atlieka jums svarbų darbą: ne jūs, o jis kreipiasi į keliolika ar net keliasdešimtį bankų ir taip sutaupo daug laiko ir pinigų. Jums kreipiantis į savo banką, gali būti pasiūlytos tam tikros paslaugos, teikiamos tik jūsų banko. Be to, jūs, nežinodami kitų bankų (jūsų banko konkurentų) siūlomų geresnių pasiūlymų ir įkainių, galite patirti papildomų išlaidų kas mėnesį. Brokerio privalumas – jis bendradarbiauja ne su vienu skolintoju, tad jums atsiveria daugiau galimybių gauti geresnį, pigesnį ir patogesnį pasiūlymą. Taip pat svarbu žinoti, kad brokeris, į kurį jūs kreipiatės, labai gerai pažįsta skolintojų kriterijus ir nuolat gilinasi į besikeičiančias sąlygas. Tokiu būdu jūs gerokai sumažinsite riziką pakenkti savo kredito istorijai, nes kiekvienas kreipimasis į banką gali „palikti neigiamą antspaudą“ jūsų istorijoje.
Labai dažna situacija, kad klientui reikia maksimalios paskolos. Šiuo atveju brokerio konsultacija ir pagalba taip pat yra neįkainojama, nes, pirma, jūsų pajamos yra vertinamos labai skirtingai skirtingų skolintojų, o antra – brokeris yra būtent tas asmuo, kuris geriausiai žino, kaip ir kokius argumentus pateikti skolintojui, kad jums būtų suteikta pageidaujama paskola.

01/07/2026

01/07/2026

Thinking about investing in property? 👀 A buy-to-let mortgage works differently from a standard residential mortgage - and understanding the key differences is essential before you get started.

Here's what you need to know:

How they work – buy-to-let mortgages are assessed differently to residential ones. Lenders will look at the expected rental income the property could generate, as well as your personal income and financial circumstances.

Deposit requirements – buy-to-let mortgages typically require a larger deposit than residential mortgages, usually a minimum of 25% of the property value.

Interest rates – rates on buy-to-let products tend to be slightly higher than residential mortgages, and many landlords opt for interest-only deals to keep monthly costs lower.

Affordability – most lenders will want the expected monthly rental income to exceed the mortgage payment by a set percentage, typically around 125–145%.

Tax and legal considerations – buy-to-let is subject to additional stamp duty on top of the standard rate, and rental income is taxable.

It's worth taking independent financial and legal advice alongside your mortgage advice. Whether you're a first-time landlord or looking to expand an existing portfolio, getting the right mortgage in place is the foundation of a sound investment.

https://instantmortgagesolutions.co.uk/buy-to-let-mortgages/

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. A buy-to-let mortgage is not regulated by the Financial Conduct Authority.

04/06/2026

Fixed or tracker - it's one of the most common questions we get asked right now, and the honest answer is: it depends.

With the Bank of England base rate still a topic of much discussion, a lot of borrowers are weighing up whether to lock in a fixed rate or take a chance on a tracker that moves with the market.

Here's a quick breakdown:
Fixed rate - your interest rate stays the same for the length of your deal, giving you certainty over your monthly payments regardless of what happens to the base rate. Great if you value stability and want to budget with confidence.

Tracker rate - your rate moves in line with the Bank of England base rate, usually at a set percentage above it. If rates fall, your payments fall too - but if they rise, so do your costs.

Right now, with rate cuts anticipated but not guaranteed, the decision really comes down to your appetite for risk, your financial situation, and how long you want to fix for.

There's no single right answer - but there is a right answer for you. That's what we're here to help you find.

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

04/06/2026

Having bad credit doesn't automatically mean you can't get a mortgage - it just means you need the right broker on your side.

Bad credit mortgages, sometimes called adverse credit mortgages, are specifically designed for people who've experienced financial difficulties in the past — whether that's missed payments, defaults, CCJs, or even bankruptcy. Lenders in this space assess your situation individually rather than just running a credit check and saying no.

What they'll typically look at:
How long ago the credit issues occurred - recent problems carry more weight than older ones

Your deposit size - a larger deposit can significantly improve your options

Your income and affordability - demonstrating you can comfortably manage repayments matters

Yes, rates may be slightly higher to begin with. But managing a mortgage responsibly is one of the most effective ways to rebuild your credit profile over time - and as your score improves, remortgaging onto a better deal becomes a very real possibility.

If you're based in Hornchurch or the surrounding Essex area and you've been told no elsewhere, come and talk to us. We've helped plenty of people in exactly this situation, and we may be able to help you too.

Get in touch today.

🔗 Link in bio

Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

13/04/2026

Getting everything ready early can make a big difference when applying for a mortgage 😊

Having the right documents prepared in advance helps the application process run far more smoothly and can prevent unnecessary delays along the way.

It allows your lender to assess things efficiently and helps you move forward with confidence, knowing you’re well prepared. 🏡

If you’re getting ready to apply and want guidance on what to prepare or when to start, we’re always happy to help.

📱 01708 509 161
✉️ [email protected]
🌐 instantmortgagesolutions.co.uk

DISCLAIMER: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST THE PROPERTY. PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

13/04/2026