Liliya Kay Mortgage

15/02/2026

Thinking about a mortgage but not sure what to expect?
Relax — the first consultation is not an exam 😊

It’s a focused conversation about your situation,
so you can get a clear and honest answer.

✨ We talk about income, deposit, savings, and family situation.
Not to judge you, but to see whether a real option exists right now.

✨ If the answer is “not yet”, I’ll tell you directly.
And I’ll explain exactly what you can improve to increase your chances over the next 3–6 months.

✨ You’ll know in advance how the whole process works,
how long it takes,
and what documents you’ll need.

❌ No banking knowledge required
❌ No perfect English required

That’s my job.

👉 If you want a clear answer on whether a mortgage is possible for you — book a consultation now.
One conversation can save you months of confusion and unrealistic expectations.

14/02/2026

An Agreement in Principle, or AIP, is like a green light from the bank 💡
— it shows they could lend you the money, even before you’ve found a property.

In other words:
‘Yes, you can buy – and here’s roughly how much you can borrow,’
but it’s not yet the final approval. 🏡

In other words:
Always get your AIP before you fall in love with a house…
otherwise, heartbreak is real! 💔✨

11/02/2026

Are you self-employed (self employer) and think getting a mortgage is almost impossible? 🤔
That’s one of the most common myths!

The truth is that self employer clients can also get approved for a mortgage. Banks do work with self-employed people — what really matters is how your income is presented and how well your documents are prepared. 🏡📊

With the right strategy and professional support, your chances of approval are very real.
📩 Get in touch with us and we’ll show you the best options based on your situation.

Your home may be repossessed if you do not keep up with repayments on your mortgage.
We act as introducers only. Mortgage advice is provided by our qualified mortgage broker, Best Brokers Ltd. We and Best Brokers are part of the Financial Expert Partnership Ltd group, which is authorised and regulated by the Financial Conduct Authority.

10/02/2026

Before you give everything for a deposit — read this!

Often, in the desire to get a nicer home, a client is ready to give all their savings for the deposit or an offer over. This makes me think that not enough attention is paid to the additional costs that arise when taking a mortgage. Here’s a brief overview:

💰 Stamp Duty – if you’re not exempt ⚠️
⚖️ Legal fees – solicitor or licensed conveyancer ✅ always
🏷️ Property valuation – if necessary ⚠️
🔍 Inspection – if necessary ⚠️
🛡️ Insurance – usually required ⚠️
🔧 Repairs and maintenance – if necessary ⚠️
🏢 Leasehold rents/charges – if necessary for flats ⚠️

💬 Contact me if you need advice on how much to set aside for all these costs.

08/02/2026

08/02/2026

Just roll the dice!

😂😂😂

08/02/2026

Let’s play “Buy a house in the UK” 🎲
Difficulty level: expert
Reward: 35 years of monthly payments… and one very happy day with the keys 🏡

07/02/2026

📉 UK Mortgage Rate News

According to a Bank of England survey cited by Reuters, investors expect the main interest rate to gradually fall to around 3.0% by March 2027. Currently, it remains at 3.75%, with signals of further reductions if inflation continues to decline sustainably.

Financial markets are already pricing in two more small cuts in 2026, which is a positive signal for those planning to buy a home or refinance.

➡️ Takeaway: interest rates are expected to decline slowly and gradually, so careful mortgage planning is key.

Source: Reuters
Link to the article in the first comment

If you are considering a mortgage in the UK and want a consultation – message me.

03/02/2026

Hello friends!

As many of you already know, some time ago I started a new journey as a mortgage manager in the UK 🇬🇧

For your convenience, I’ve created pages in several languages where I share both personal and professional information related to mortgages.

I’d be delighted if you follow:
👉Liliya Mortgage BG in Bulgarian
👉 Liliya Mortgage UKR in Ukrainian

Likes and shares are very welcome and definitely earn you some good karma 😉✨

I’d also like to mention that I offer free consultations for mortgages, remortgages, and protection.

Your support truly means the world to me!
Thank you so much! 💛