Jenny Holt Eagle Mortgages

Home
Jenny Holt Eagle Mortgages

Helping those starting out or starting over with their mortgage, creating their own security.

25/07/2025

Feel Good Friday 😎

I got paid 🤑

It might have only been £25.16 and £3.03 last week, but Facebook paid me for my videos

I may not be retiring anytime soon and it's not enough for a takeout. It may just cover a cuppa & cake for two

But I am ending my week on a high & few more pennies in my bank account....

21/07/2025

🎓 Attention Recent Graduates!

Are you currently paying off your student loan?

What is the impact on your borrowing capacity when applying for a mortgage!

In the eyes of lenders, a student loan is treated similarly to a personal loan, which means it can affect how much you can borrow. 💰

The important thing to note is that your student loan will only be considered if you are actively making payments towards it.

If you’re in deferment or not currently repaying, lenders may not factor it into your borrowing capacity.

If you are making those monthly repayments, they will be taken into account, potentially reducing the amount you’re eligible to borrow.

If you have any questions about how your student loan might impact your mortgage application, I’m here to help!

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

18/07/2025

l Good Friday 😎

Anyone else had to dragged through the week, kicking & screaming or was that just me 🙋‍♀️

💪 Training session 💪

has literally pulled me through all my session this week. When I think I couldn't, she has made me & I did it.

🎯 Dart knock out 🎯

Last night had a job on her hands to get me to the darts knock out round. Once I was there the atmosphere was great we went out in first round - totally my fault I am not very good, pleased I went in the end.

🛠 Work 🛠

This has really felt like a slog this week. I have had almost nail myself to my desk to get work done. Looking back on what I've achieved in the last 6 weeks since going out alone is unbelievable. I still have to pinch myself that I finally did it.

This week might have felt uphill all the way but I survived it and get to enjoy my weekend.

I might not of excelled but sometimes OK is good enough 😎

17/07/2025

💰 Maximize Your Mortgage Potential! 🏡

Did you know that certain types of extra income shown on your payslip can boost your borrowing capacity?

Here are some examples of extra income that lenders may consider:

🚘 Car Allowance
If you receive an allowance for using your vehicle for work, this can be factored in.

🛣 Town & Shift Allowance – Additional payments for working in specific locations or shifts can also help.

🛠 Overtime – Regular overtime pay can be a great way to increase your income profile.

🎯 Bonuses – Monthly or Yearly even quarterly bonuses can be included if they are consistent.

🪙 Commission – If you earn commission as part of your role, it could positively impact your borrowing power.

🔗 Extra Responsibility Pay – Any additional payments for taking on more responsibilities may also be considered.

🕑 Enhanced Hours Pay – If you regularly work extra hours that are paid at a higher rate, this can be beneficial too.

If you're looking to boost your mortgage affordability, make sure to highlight all sources of income on your payslip! 🤝

Have questions about how to maximize your mortgage options?

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

15/07/2025

Thinking about applying for a mortgage as a Limited Company Director or Sole Trader?

Let’s talk about how old your accounts can be and why it matters! 📊

For Limited Company Directors using net profit, lenders usually want to see accounts that are no more 18 months old from your company year-end.

Here’s the catch: some lenders will accept accounts old as 21 months while other's need them to be less than 15 months old! ⏳

If you’re taking dividends from your company or you’re a Sole Trader, the standard is also around 18 months old.

Remember, your tax year runs from April to April, and your returns become out of date in early October of the following year. 📅

This timeline is crucial since lenders want to ensure they’re looking at your most current financial situation.

If you have questions about how your accounts affect your mortgage application, speak to mortgage broker 😎

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

14/07/2025

Many current homeowners in the UK don’t realise they may qualify for a mortgage with just a 5% deposit? 🏡

When moving not everyone has a higher deposit to put down on their next home.

🔗 This might be especially relevant for those who have faced a separation or breakdown in a relationship, where the equity is being split between 2 parties

💳 If you're looking to consolidate debts, using the equity in your built up in your home in the process of moving. Creating one manageable payment that could make the move to a new home happen, even with a higher mortgage borrowing or monthly payment possible.

🧮 Are you part of a scheme like the Equity Loan or Shared Ownership, where not all the equity is yours then you could still move with a 5% deposit

Don’t be misled into thinking 5% deposit are just for first-time buyers

If you're curious about how a 5% deposit could work for you speak to a Mortgage Broker 😎

11/07/2025

Feel Good Friday 😎

Mud and brusies

Last Saturday I did the Tough Mudder UK at Belvoir Castle. This was booked in November & then totally forgotten about.

I had no real idea, what I had signed up for

I didn't even know...

📍 Where it was
🕑 What time it was
❤️ Who was coming
👟 What to wear

I had paid and I was going

I packed an apple, water and change of clothes and took a random bucket 🪣 & set off. The bucket was my wife idea

My aim was not to be left behind & finish it,

I had no other goal as no idea what I had signed up for.

What a relief...

I wasn't left behind as you simply can't complete the course without a team in your corner.

Once you get over the cold water, mud in your nails, hair and down your bra along with the slushing in your trainers.

How much fun is it...

This isn't about time or winners or losers this is about TEAMWORK

Pure & simply

Definitely worth doing you'll laugh, cry and wince your way through

You need a team behind you to get close to the finishing line & then you all finish together with a smile on your face, new brusies plus a load of freebies in your bag.

BTW the bucket was great idea to put our muddy trainers and clothes in as you strip next to your car.

08/07/2025

📣 Attention Limited Company Directors! 📣

If you own between 20% and 25% of your business, here’s something important to keep in mind when applying for a mortgage! 🏡

Unlike traditional employees, lenders don’t classify you as employed in the usual sense.

This means they typically won’t ask for your payslips or P60.

Instead, they’ll want to see your company accounts and tax returns to understand your borrowing capacity 📊💼

Lenders will focus on your net profit, any dividends you’re taking, and what you’re drawing from the company.

This can make the mortgage application process a bit different, but many lenders understand this type of financial situations that directors like you face.

If you have questions or need guidance through the mortgage process as a Limited Company Director, speak to a mortgage broker 🤝💬

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

07/07/2025

Build The Right Team To Buy Your Home

The right team gets you over the line, makes it more enjoyable and get you the right deal.

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

04/07/2025

Feel Good Friday 😎

💙 One Month Down at Eagle Mortgages & Protection 🧡

On 5th June, I sat at my desk, opened my laptop, and kicked off my journey as the principal of my own firm Eagle Mortgages & Protection.

🎢 What a ride it’s been

After 15 months of planning (yes, it took that long!)

I faced a whirlwind of challenges personally, all while battling a case of imposter syndrome that just wouldn’t budge.

Here are some thoughts from my first month

🔗 Relationships Matter More Than Ever

My clients stuck by me, and their loyalty has been absolutely incredible.

It feels amazing to have such supportive people on this journey.

🌀 Starting Fresh?

Not Really

The thought of starting over was intimidating, but I quickly realised that I am.not starting over just taking control and a slightly different change of direction.

🤝 Lender Connections:

Sure, I’ve lost a few face-to-face contacts with lenders, but guess what?

They’re still just a call away and ready to help.

Plus, I’ve made some awesome new connections in the industry this month!

💻 Tech Shenanigans

Let’s just say technology, and I have had a rocky relationship. From emails to website woes

Hiring someone to sort out my tech troubles was definitely the way to go!

🤔 Looking Back

I kind of wish I’d taken this leap years ago. Imposter syndrome held me back longer than it should have.

It’s a mix of scary and exciting.

Everything feels different yet oddly familiar.

Am I glad I took the plunge?

Absolutely!

Would I change anything?

Maybe a few things, but overall, I couldn’t have asked for a better first month.

Here’s to many more adventures ahead! 🥂

03/07/2025

🚨 Mortgage Myths Busted 🚨

Let me clear up some common misconceptions about mortgage brokers.

1️⃣ Exclusive Rates:

You might hear brokers brag about “exclusive rates.”

🤔 The truth?

Most brokers have access to similar rates. These offers are just limited-time deals—act fast! ⏳

2️⃣ No Obligation Consultations

Sounds great, right? 🙄

But many brokers offer this. Charging fees later in the process, such as the mortgage offer stage .

3️⃣ In-House Broker Claims

Some say using their in-house broker means better deals.

🚫 It's not always true!

This can even be unfair to other buyers willing to pay more with their own broker.

What matters most is getting honest advice tailored to YOU!

Not a sales pitch. you're building a relationship for your whole mortgage life.

🔑 Let’s make sure you get the best mortgage for your needs!

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

Address

Opening Hours

Monday	10:00 - 20:00
Tuesday	10:00 - 20:00
Wednesday	10:00 - 20:00
Thursday	10:00 - 20:00
Friday	10:00 - 20:00
Saturday	10:00 - 12:00

Telephone

+447720976688

Website

https://www.checkmyfile.partners/2SNTRRD/2CTPL/

Alerts

Be the first to know and let us send you an email when Jenny Holt Eagle Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Jenny Holt Eagle Mortgages:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing
Want your business to be the top-listed Media Company?

Country:

City: