Welcome to Lynton Mortgages
A fee-free mortgage broker based in Alsager. I'm Rob, and I help people across Alsager, Sandbach, Crewe and South Cheshire understand their mortgage options — 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 Budget 2026 means
Budget 2026 confirmed an England-only scheme for some first-time buyers purchasing a participating new build, with a 20% equity loan and a 2.5% minimum deposit. Pre-registration is expected by the end of December 2026, with full applications from February 2027.
Important: this does not guarantee a mortgage or eligibility. Income caps, local property-price caps, lender and developer participation still apply, and the formal delivery arrangements need to be in place.
Read the full factual updateAt a glance
Budget 2026 confirmed
A 20% equity loan, 2.5% minimum deposit, five-year interest-free period and income caps of £110,000 outside London and £140,000 in London.
What to check
The local-authority price cap, participating developers and lenders, annual funding availability and the formal scheme rules.
Checked against HM Treasury Budget 2026 on 28 October 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.
A conversation in plain English
Buying or remortgaging can feel like a lot. Start with the questions that matter to you and take time to understand the options before deciding what to do next.
- Ask the questions you have, without feeling rushed.
- Understand the process and the information a lender may need.
- Decide your next step in your own time.
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