Who Does Your Mortgage Adviser Actually Work For?
You've found the house. The estate agent smiles and says, "We've got an in-house mortgage adviser, you'll have to speak to them before we can accept yPosted 30 days ago by Shaun Sturgess
Welcome to the Sturgess Mortgage Solutions blog, where we share expert insights, industry updates, and practical mortgage advice UK clients can rely on. Our articles are designed to help homeowners, buyers, landlords, and investors stay informed about the latest mortgage and property trends.
From mortgage advice for first time buyers to guidance from an experienced buy to let mortgage advisor, our blog covers a wide range of topics in a way that makes complex financial concepts and industry analysis easy to understand! We also provide insights into specialist areas including commercial mortgages, remortgaging, and support from an interest only mortgage broker.
Whether you are purchasing your first property, growing your investment portfolio, or simply looking to stay up to date with the market, our free-to-read articles will help guide you along the way!
The Question I Ask Every Client (That Nobody Likes Answering)
Lucy Williams on the one question every homeowner should be able to answer and why protection belongs in every mortgage conversation. There's a momenPosted 30 days ago by Lucy Williams
What Actually Happens After You Apply for a Mortgage
Ever wondered what goes on between "application submitted" and "keys in hand"? Taylor James takes you behind the scenes at Sturgess Mortgage SolutionsPosted 30 days ago by Taylor James
5 Mistakes First-Time Buyers Make When Getting a Mortgage – And How to Avoid Them
By Lucy Williams – Mortgage & Protection Adviser, Sturgess Mortgage Solutions Buying your first home is one of the most exciting milestonesPosted 6 months ago by Lucy Williams
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Featured in The Mirror: Reflections on Progress, Innovation, and Our Journey at Sturgess
I was recently honoured to be asked to share my professional views in The Mirror on how digital innovation is shaping the future of the mortgage indusPosted 7 months ago by Shaun Sturgess
Santander’s New 98% Mortgage: What It Means for First-Time Buyers in South Wales
Recently, Santander UK announced the launch of a new mortgage product offering up to 98% loan-to-value for first-time buyers. As the first major high-Posted 7 months ago by Lucy Williams
The Housing & Mortgage Market in 2026: Why First-Time Buyers Have a Real Opportunity
As we move through 2026, one thing has become increasingly clear: despite the noise, headlines, and uncertainty that surrounded the property mPosted 8 months ago by Shaun Sturgess
Budget 2025
Budget 2025 – What It Really Means for Homeowners and Buyers By Shaun Sturgess, Managing Director – Sturgess Mortgage Solutions The 2025Posted 10 months ago by Shaun Sturgess
Frequently Asked Questions
How quickly will I receive a response?
Our team aims to respond to all enquiries as quickly as possible, typically within normal business hours. If you submit an enquiry outside office hours, we will contact you as soon as we can on the next working day.
Can you help clients outside of Swansea and South Wales?
Yes. While we are based in Swansea, we regularly provide mortgage advice UK clients can access remotely by phone, email, and video appointment.
Do I need an appointment?
Appointments are recommended so we can understand your circumstances properly and provide tailored advice. However, you are always welcome to contact our team initially to discuss your enquiry and arrange a convenient time to speak with an adviser.
How much can I borrow?
This depends on your income, outgoings, credit history, and deposit. We’ll do a full affordability assessment and give you a clear idea of your budget early in the process.
Do I need Life Insurance with my mortgage?
It’s not a legal requirement – but it’s highly recommended. Life Insurance can repay the mortgage if you pass away, giving your loved ones peace of mind.
Do I have to come to your office?
Nope – our mortgage advisers in the UK work with clients all over the country via phone, email, or video call. If you’re local, feel free to pop into our Gorseinon High Street office for a coffee and a chat!
