Welcome to Lynton Mortgages
Alsager's fee-free mortgage broker. I'm Rob, and I help people across Alsager, Sandbach, Crewe, South Cheshire and all over the UK find the right mortgage — with honest advice, no jargon, and no pressure.
Whether you're a first-time buyer or looking to remortgage, I'm here to guide you every step of the way.
Your First Home: what has been announced so far
The Government has announced a proposed England-only equity-loan scheme for some first-time buyers purchasing a participating developer's new build. It is expected to support a 2.5% deposit alongside a 20% government-backed equity loan.
Important: applications are not open and the final eligibility rules, price caps, costs and start date are still due at the Budget.
Read the full factual updateAt a glance
What has been announced
England, first-time buyers, participating new builds, an expected 2.5% deposit and a 20% government-backed equity loan.
Still to be confirmed
Eligibility, local price caps, costs, developer participation and when applications can start.
Checked against the Government announcement on 28 September 2026.
Fee-free mortgage advice
Get expert mortgage advice from someone on your side. I'm paid by lenders, so most advice comes at no cost to you.*
*Fee-free for standard cases. Complex cases may incur a fixed fee, always agreed upfront.
I guide you through every step
From finding the right deal to completing your purchase, I'll explain everything in plain English and handle the paperwork.
A friendly face by your side
I'm Rob, your local mortgage broker in Alsager. You'll always speak to me directly — not a call centre.
"We had a great experience with Rob. He was very helpful, quick to respond and consistently professional. Rob supported us every step of the way and made the whole process much easier than we expected. We would highly recommend Lynton Mortgages for a stress-free service!"
Eddie Woodward
Your home may be repossessed if you do not keep up repayments on your mortgage.
Lynton Mortgages provides expert mortgage, protection and insurance advice. Lynton Mortgages is a trading name of Just Mortgages Direct Limited and Lynton Mortgages is the name under which we carry out these services.
Lynton Mortgages is not a business in its own right, it is part of Just Mortgages Direct Limited, which is an appointed representative of Openwork Limited. Just Mortgages Direct Limited was set up in 1990 as Mortgages Direct and has been part of The Openwork Partnership since 2016.
The Openwork Partnership is one of the UK's largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.
As your adviser at Lynton Mortgages, I will get to know your individual circumstances, establish what your goals are and what the right mortgage and protection arrangements are for you.
Approved by the Openwork Partnership on 31/03/2026.
Mortgage answers
Latest mortgage answers
Plain-English answers to useful mortgage questions.
Last verified 9 October 2026
Why is my first mortgage payment higher than expected?
A first mortgage payment can be higher because a lender may collect interest from completion to the end of that month as well as the following regular monthly payment. The exact calculation and first payment date depend on your lender, so check its payment schedule rather than assuming there is an error.
Read answerLast verified 9 October 2026
Can I still open a Help to Buy ISA in 2026?
No. You cannot open a new Help to Buy ISA. If you already have one, you may still be able to pay in up to £200 a month and claim its Government bonus when you buy, subject to the scheme rules. A Lifetime ISA is a separate savings product with different conditions.
Read answerLast verified 9 October 2026
Is a 95% mortgage the same as the Mortgage Guarantee Scheme?
No. A 95% mortgage means borrowing 95% of a property's price with a 5% deposit. The Mortgage Guarantee Scheme is a Government-backed arrangement for participating lenders that helps support the availability of some 91% to 95% loan-to-value mortgages. It is not a separate pot of money a buyer applies for.
Read answer