THE TINY MORTGAGE CO.
Keeping mortgages simple.
The tiny mortgage co. offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in remortgaging, I’m here to guide you through the process. Contact me today to see what I can do for you.
ALL ABOUT ME
Your Trusted Mortgage & Protection Broker
Let me introduce myself, my name is Hayley Creed CeMap the face behind the tiny mortgage co.
Tiny is in the name, but not in my game!
I deal with mortgages of all shapes and sizes. The only thing that makes us tiny, is because it is just little old me, trying to make peoples' lives easier, one mortgage at a time.
I have over 14 years experience in financial services and one thing I am passionate about is ditching the jargon. I am super down to earth and will always be honest with you throughout the process whilst ensuring I give you the professional and tailored advice you need to suit you and your circumstances. I promise to keep you informed every step of the way. I am incredibly dedicated to my clients, and I like a challenge, so whatever your requirements get in touch so we can have a chat.
Outside of the tiny mortgage co, I am mum to my little boy, Thomas and wife to my husband, Matt. I totally understand the stresses and strains of life, which means I am happy to accommodate times to suit you - whether that be weekdays, evenings or weekends.
Ready to purchase a property or want to remortgage and need help with financing? Or just have a question? Get in touch to find out how I can help with your mortgage and protection needs.
I am based in Harrietsham, Kent but I can support you remotely from anywhere in the UK. If you want to meet face to face I can travel to most locations in Kent & London.
* before you supply any personal details to us via the contact us page on this website please read our customer privacy notice document by clicking here. This notice sets out how we will process your personal data in line with General Data Protection Regulations. Once you have read the customer privacy notice, please tick to confirm you have read it and that you agree to Hayley Creed trading as 'The tiny mortgage Co.' processing your personal information for the purpose of contacting you. We will not use the details you provide us in the contact page to market you.
HOW I CAN HELP YOU
Get the Mortgage You Deserve
For me, there’s no higher priority than achieving client satisfaction. I work diligently towards providing the mortgage my clients need based on their unique financial situations and lifestyle preferences.
I work closely with a number of lenders who are more favourable to clients who have adverse credit. Get in touch today to see how I can help. People often feel embarrassed, but please don't! It is more common than you think and nothing to be ashamed of. No judgement here - promise!
I do ask all my clients to provide a 'CheckMyFile' credit report. It provide the reports from all the 4 main credit agencies, all in one!
I don't just help with mortgages, I also help with various insurances such as income protection, life insurance, critical illness, building and contents insurance.
( disclaimer, the photo is me and my little fam )
WHAT I GET ASKED THE MOST.
WHAT FEES ARE INVOLVED IN GETTING A MORTGAGE?
I take the hard work out of finding the very best mortgage offers available. Normally I charge an application fee, however this amount can vary so please get in touch to discuss. I normally get paid a commission from the lender upon completion which I will fully disclose to you prior to any commitment from yourself.
I HAVE BAD CREDIT, WILL IT BE A PROBLEM?
This will not neccessarily prevent you from getting a mortgage. I work closely with a number of lenders who are more favourable to clients who have previously had trouble getting a mortgage or finance. Get in touch today for further information.
HOW MUCH IS STAMP DUTY?
You pay stamp duty at these rates if, after buying the property, it is the only residential property you own.
You usually pay 3% on top of these rates if you own another residential property.
Property or lease premium or transfer value SDLT rate
Up to £250,000 £0
The next £675,000 (the portion from £250,001 to £925,000). 5%
The next £575,000 (the portion from £925,001 to £1.5 million). 10%
The remaining amount (the portion above £1.5 million). 12%
Correct as of 06/01/2023
WHAT IS LTV?
LTV stands for 'Loan to Value'. This is the term used to describe the ratio of a mortgage to the value of the property. For example, if a property was worth £200,00 and you had a £100,000 mortgage, your LTV would be 50%.
The important stuff.
The tiny mortgage co. acts as a referral agency for Hayley Creed, CeMap qualified Mortgage and Protection adviser, authorised to give advice and recommendations under the network Clever Advice Ltd.
please note this means that the correspondence you may receive from me will include the Clever Advice logo.
Clever Advice is a trading style of Clever Financial Solutions Ltd who is directly authorised and regulated by the Financial Conduct Authority, reference number 798168, for pure protection, residential mortgages and general insurance business. The FCA regulates financial services in the UK and you can check their authorisation and permitted activities on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY IT MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE.
MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.