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Key To Mortgages

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Key To Mortgages

At the heart of everything we do is YOU! We cherish meeting our clients and like nothing more than face-to-face meetings. However, you’re in charge here.

If you prefer an online video chat or a phone call, that’s perfectly fine too If you prefer an online video chat or a phone call, that’s perfectly fine too – remember, it’s your meeting. But most importantly, it’s all about you! What are your plans, dreams, ambitions, and life goals? What really inspires you each morning? No, really! The more we know about you, the better we can assist you. Let’s

make it all about you! Your home may be repossessed if you do not keep up repayments on your mortgage

03/08/2025

Lovely family walk❤️ St Catherine’s Hill, Christchurch.

02/08/2025

🙌 Huge thank you for this amazing review!
🏡 “The best money we’ve ever spent!”

Ready to start your own journey?
📞 01202 521000 | 🌐 keytomortgages.com

Your home may be re-possessed if you do not keep up repayments on your mortgage

31/07/2025

"Re-mortgaging is expensive!" ❌

💸 Think re-mortgaging costs a fortune? Think again.

✅ Many lenders offer free legal work and free valuations
✅ You may not pay a penny upfront
✅ And switching could save you hundreds every month!
🔁 Remortgaging is often cheaper than doing nothing — especially when your fixed rate ends.

💬 Want to see if you could save?
Let’s cut through the noise and find out what’s possible.
📞 01202 521000
📧 [email protected]
🌐 www.keytomortgages.com

Your home may be re-possessed if your do not maintain your mortgage repayments. You may have to pay and early repayment charge to your existing lender if you re-mortgage

30/07/2025

📊 BOURNEMOUTH PROPERTY MARKET – MID 2025 SNAPSHOT 🏡

Thinking of buying, re-mortgaging or moving in Bournemouth? Here’s what the numbers say…
🔹 Average property price: £407,000 (Plumplot, May 2025)
🔹 Most common price range: £300k–£400k (Plumplot)
🔹 Flats avg: £234,000 · Detached homes avg: £521,700 (Rightmove, July 2025)
🔹 Price change: ↓ ~3% over the past 12 months (Plumplot)
🔹 Sales volumes: down 6% YoY across the BH postcode (Plumplot)
🔹 Dorset-wide prices: ↑ 4.3% YoY – outperforming national average (ONS, April 2025)
🔹 5-year growth in Bournemouth & Poole: +18.3% (Homes & Steeple, Jan 2025)

📈 Despite recent cooling, long-term growth remains strong — Bournemouth continues to be a resilient and desirable coastal market.

💬 Not sure how this affects your buying power or remortgage options?
Let Key To Mortgages guide you with whole-of-market advice you can trust.
📞 01202 521000
📧 [email protected]
🌐 www.keytomortgages.com

📚 Sources:
• Plumplot: Bournemouth House Prices
• Rightmove: Bournemouth House Price Trends
• ONS: UK House Price Index – Dorset
• Homes & Steeple: Local Property Report

Your home may be re-possessed if you do not maintain repayments on your mortgage

29/07/2025

Fixed vs Tracker vs SVR Explained

🏡 Confused by mortgage types? Here’s a quick guide:
✅ Fixed: Same rate for a set time
✅ Tracker: Follows Bank of England rate
✅ SVR: Lender’s standard rate (usually highest!)

Understanding these can save you money! Need help? DM us.

👉 Click for more info https://www.keytomortgages.com/what-we-do/mortgages/

Your home may be re-possessed if you do not keep up repayments on your mortgage

28/07/2025

🏡 First-Time Buyers Overcame Legal Hurdle & Secured Their First Home

Buying your first home is exciting — but it can also come with unexpected surprises.

Recently, I worked with a lovely couple buying their first property. Just when things seemed to be going smoothly, a legal issue popped up:
⚠️ The lease term on the property was shorter than expected, and not what they were told when the offer was agreed.

To move forward, they needed a lease extension — something they’d never dealt with before.

With very little knowledge of the house buying process, they felt overwhelmed.

That’s where I stepped in:
✅ Explained everything clearly
✅ Liaised with the solicitor
✅ Reassured them at every step
✅ Adjusted their mortgage timeline
📦 They have completed — and they’re now moving into their first home!
🙋‍♂️ First-time buyer? You don’t need to know everything — you just need someone who does.

Let Key To Mortgages guide the way.
📞 01202 521000
📧 [email protected]
🌐 www.keytomortgages.com

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

26/07/2025

🙌 Thank you for the amazing review!

"I couldn’t recommend Peter enough! As a first-time buyer, I had so many uncertainties, but Peter guided me through every step with expert advice and total reassurance. If you’re looking for a mortgage – go to Key To Mortgages!"

We’re all about making the home buying process simple, clear, and stress-free — especially for first-time buyers 🏡✨
📞 01202 521000
📧 [email protected]
🌐 www.keytomortgages.com

Your home may be re-possessed if you do not keep up repayments on your mortgage

24/07/2025

🔍 MYTH BUSTED: All lenders offer the same mortgage amount ❌

Reality: Different lender, different rules! ✅

💥 Some lenders will let you borrow way more than others — even with the exact same income!

Here’s why 👇
📊 Lenders assess income differently:
💼 100% of your basic salary ✅
BUT when it comes to extra income, it’s not one-size-fits-all!
Lenders may include:
💸 Commission
⏰ Overtime
🎁 Bonuses (monthly, quarterly or annual)
🚗 Car & shift allowances
📞 Standby & call-out pay
👵 Pension income
👨‍👩‍👧 Child Benefit / Tax Credits
⚖️ Child & spousal maintenance
🏛️ Selected state benefits

➡️ Some lenders use 0% of that extra income
➡️ Others might use 50%, 75%, or even 100%
📈 So YES — your borrowing power can change dramatically depending on the lender.

📞 Want a no-nonsense, straight-talking affordability check?
📲 01202 521000
📧 [email protected]
🌐 www.keytomortgages.com

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

23/07/2025

🏠 UK Mortgage Market Sees Major Uptick – Applications Surge by 42% in June

According to Stonebridge, one of the UK’s largest mortgage networks, mortgage applications jumped by 42% in June compared to the previous month.

🔎 What’s driving this surge?
• Rate Cuts & Product Adjustments: As inflation eases, lenders have begun pricing in expected Bank of England base rate reductions, leading to more competitive fixed-rate deals.
• Remortgage Activity is Up: A significant number of borrowers are coming to the end of fixed-rate terms and seeking better deals in a volatile market.
• Increased Consumer Confidence: With greater stability in the property market, both home movers and first-time buyers are re-entering the market.

💬 What does this mean for you?
With more borrowers jumping into the market, lender service times may slow and product availability could change quickly. Now more than ever, using a whole-of-market adviser ensures you're not just picking a deal — you're choosing the right one.
✅ Access to exclusive rates
✅ Advice across 100+ lenders
✅ Help navigating a fast-moving market

📲 Speak to Key To Mortgages today for expert advice that puts your best interest first.

Your home may be re-possessed if you do not keep up repayments on your mortgage

22/07/2025

🏡3 Signs It’s Time to Re-mortgage🏡
🕒 Is your mortgage still working for you?
Here are 3 signs it’s time to take another look:
1. Your fixed rate is ending
2. You’re on a Standard Variable Rate
3. Your home’s value has increased 📈

Want to know what you could save? Send us a message — we’ll check it for free.

👉 Click for more info https://www.keytomortgages.com/what-we-do/mortgages/

21/07/2025

🏡 First-Time Buyer Dad Secures 100% Mortgage & New Home for Him and His Son 👨‍👦✨

The Challenge:
Lucasz, a single dad, dreamed of owning a home for himself and his young son — but like many, he had no deposit saved and thought homeownership was out of reach. 😔

The Solution:
He reached out to Key To Mortgages, and we found a 100% mortgage deal (no deposit required!) with a lender who understood his situation and income.

The Result:
✅ Mortgage approved
✅ No deposit needed
✅ James and his son are now settled into their very own home 🏠❤️

💬 Think you need a big deposit to buy a home? Think again.
We search the whole of the market to find smart solutions.

📞 Call us for a no-pressure chat:
📲 01202 521000
📧 [email protected]

Your home may be re-possessed if you do not keep up repayments on your mortgage

19/07/2025

🌟 Stress-free re-mortgage again!

Just one meeting — Peter handled the rest. Clear advice, easy process.
2nd time using Key To Mortgages, and always A++++!

DM us to see what you could save! 💬

👉 Click for more info https://www.keytomortgages.com/what-we-do/mortgages/

Address

King Edward Avenue
Bournemouth
BH92BJ

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Website

http://www.keytomortgages.com/

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