Blog & Insights

Second time buyer

Posted by Julie Messer, on September 10, 2021.

Remember how stressful it was buying your first house? Are you a second time buyer? All the questions and forms, the applications, the speaking to estate agents and solicitors, not to mention applying for your first mortgage! Well now its time to do that again but you’ve got to sell your house at the same […]

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How to budget and save a deposit

Posted by Julie Messer, on May 7, 2021.

It’s a daunting thought isn’t it, saving all that money for a deposit for your first home! Lots of people would also have you believe you need more than you actually do as well. For now, let’s say you need at least 5% of the price of a house, the more the better though 10% […]

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Has Coronavirus changed mortgages long term?

Posted by Julie Messer, on March 9, 2021.

Coronavirus has changed many things in our lives over the last 18 months or so. Some good things – like not having people in your personal space in queues! But obviously mostly negative things, none of our lives have been the same. But as the spring weather shows signs of arriving, so does a path […]

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Have you been furloughed?

Posted by Julie Messer, on April 23, 2020.

If you have been furloughed can you still apply for a mortgage? YES you can! Lenders are still taking applications but will, in most cases, be considering your lower wage, for most people this will be 80% of your take home income, to work out affordability. There are some exceptions, if for example you are […]

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Income protection

Posted by Julie Messer, on April 22, 2020.

Excuse the working from home look in this video! Doing our part for staying safe and saving lives during Covid-19. As a mortgage advisor, I am passionate about income protection – replacing your salary if you are ill, unable to work and can not pay your mortgage. This can be a short or long term […]

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We are on YouTube! Vantage Mortgages Banbury, Oxfordshire

Posted by Gemma Whiting, on September 4, 2019.

We are going to be posting a series of videos to help you understand everything related to mortgages! Here is the first video from our top mortgage advisor, Adam Messer (formerly ofMcRobieAdams). Video Transcript: “Welcome to Vantage Mortgages. My name is Adam and I started Vantage Mortgages to help people like you keep things simple […]

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Self Employed and thinking of a mortgage? Let’s go through your options.

Posted by Gemma Whiting, on June 6, 2019.

Are you looking for a Self Employed Mortgage? Well, the first thing you need to know is, if you are Self Employed, you are going to be applying for a regular mortgage, just like anyone who is employed. You also need to know its no more difficult or complicated to do! Lenders will consider you […]

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Do I need to pay Stamp Duty

Posted by Gemma Whiting, on May 3, 2019.

Do I need to pay Stamp Duty? You may already know you have to pay a tax when purchasing a property in England and Northern Ireland, this is called Stamp Duty Land Tax, or Stamp Duty for short! (The tax is slightly different if you are purchasing in Scotland, this is called Land and Buildings […]

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How much do I need for a deposit for my first house?

Posted by Gemma Whiting, on April 26, 2019.

How much do I need for a deposit for my first house is often the first question most people ask when meeting with our mortgage advisers here at Vantage Mortgages in Banbury How much Deposit for I need? The answer we like to give is, probably less than you think! Saving a deposit for your […]

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Mortgage protection – Protecting your income for your mortgage (and family!)

Posted by Gemma Whiting, on April 23, 2019.

If I was to ask you what’s more important, your mobile phone or your life? I’m pretty certain you would say your life! But I bet you wouldn’t believe that more people have insured their possessions than they have insured themselves. That is madness, isn’t it? Recent studies have shown that people are much more […]

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The latest from Instagram

💷 Are you prepared for all the fees and costs of moving?
There are more as a second time buyer!
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Find out more about what to expect as a second time buyer in our blog this month, link in the bio 👆

(Picture of our dog just because! 😍🐶) #mortgagehelp #mortgagebroking #mortgagetip #mortgagehelpers #banbury #Oxfordshire #officedogsofinstagram
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🔥🏡 Our latest blog is here! And written especially for
𝘀𝗲𝗰𝗼𝗻𝗱 𝘁𝗶𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 – all about the process of moving on from your first home and buying your next one. How is this different to being a first time buyer? Find our more in this month's blog, link in the bio 👌
#mortgagehelp #mortgagetip #mortgagehelpers #secondtimebuyers #mortgagebroking #oxfordshirebusiness #oxfordhsire
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Who else goes combine hunting in the summer? It’s all for the kiddies obviously 🙄😏 ...

Happy #internationaldogday !! 🐶 Dotty our office just wouldn't be the same without you! 💕
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Whats your dog up to today?
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#officedogsofinstagram #officedoggies #banburybusiness #mortgagehelp #mortgagetip #bestmortgagebroker
#oxfordshire
#stalbans
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Wonder what deposit we would need to secure a mortgage on this modest home then?!
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#warwickcastle #warwick #staycations #mortgagehelp #mortgageadvice #mortgagebroker #localmortgagebroker
#timeoffwork
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What a weekend for Matt to be at #silverstonef1 🏁🏎🍾🥵🏁🏎🏆
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What a race, what a result!? (If you're #hamilton fans like us!)🏁👌 LOTS to catch up on tomorrow!
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#f12021 #takingonefortheteam #localmortgagebroker #protectionadviser #silverstonegp
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Blimey it must be serious if I'm in a football shirt 🏴󠁧󠁢󠁥󠁮󠁧󠁿⚽️🙌🤣🤣
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C'MON ENGLAND!!!⚽️🏴󠁧󠁢󠁥󠁮󠁧󠁿⚽️🏴󠁧󠁢󠁥󠁮󠁧󠁿⚽️
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#euros2021 #itsthefinal #england2021 #footballscominghome #localmortgagebroker
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Are you self employed like us? Which best describes you?

✅ Company director?
✅ Sole trader?
✅ Contractor?

✋🏼 Don't make the mortgage mistakes that the self-employed can fall into so easily!!

See our dedicated webpage (link in the bio) on exactly how to avoid them.

#selfemployed #contrator #soletrader #mortgaged #mortgagebroker #mortagetip #selfemplyedtips
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YAAAAAAS!!!🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁥󠁮󠁧󠁿🙏💗🎉🎉🎉⚽️⚽️⚽️⚽️⚽️⚽️⚽️⚽️⚽️⚽️⚽️⚽️
I don't know about yours but our house was complete madness 🤣
#comonengland #euros2021 #supportingengland #weneededthis
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