Gateway Financial Group

🏡 Case Study: 10 Years off the Mortgage and a Potential £244,824 Saving

Two years ago, a client came to Gateway Financial Group looking for a 95% loan-to-value mortgage.

He was self-employed, building a growing business and had experienced adverse credit in the past. Despite these challenges, we successfully secured a mortgage with a high-street lender.

The available rate was higher than average at 7.18%, with:

A 38 year mortgage term
Monthly repayments of £1,515
A two-year fixed rate

At the time, we advised the client to choose a two-year fixed deal rather than lock into a longer-term product.

Our view was that if his business continued to grow and his overall circumstances improved, we could review the mortgage after two years and potentially secure a much better outcome.

Fast-forward to today—and that strategy has paid off.

We have now secured a new deal at 4.74% on the same £235,000 level of borrowing.

✅ Mortgage term reduced from 36 years to 26 years
✅ Interest rate reduced from 7.18% to 4.74%
✅ Monthly payment reduced from £1,515 to £1,313
✅ Monthly saving of £202
✅ Annual saving of £2,424
✅ Illustrative lifetime saving of approximately £244,824

The client will potentially repay the mortgage 10 years earlier—while paying less every month.

This is where the value of a good mortgage broker really comes in.

Good mortgage advice isn’t only about finding a deal for today. It’s about understanding the client’s circumstances, anticipating how they may change and putting a strategy in place to create a better long-term outcome.

📩 Self-employed, experienced adverse credit or approaching the end of your current mortgage deal? Speak to Gateway Financial Group.

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

The lifetime saving is illustrative and assumes the quoted payments remain unchanged throughout each respective mortgage term. Actual savings will depend on future interest rates, fees and subsequent mortgage arrangements. All mortgages remain subject to lender criteria, affordability, credit assessment and property valuation.

There’s a reason people choose Gateway Financial Group ⭐⭐⭐⭐⭐

Our latest reviews say it best.

From first-time buyers securing their first home, to families arranging protection, to clients needing fast, clear and reliable mortgage advice — our team continues to deliver the service people deserve.

Recent feedback highlights what we pride ourselves on:

✅ Prompt communication
✅ Clear, honest advice
✅ Support from start to finish
✅ Making mortgages feel straightforward
✅ Advisers who are available when clients need them
✅ Real people, real advice

A huge thank you to everyone who has taken the time to leave us a review. Your kind words mean a lot to the whole team and help more people feel confident choosing Gateway Financial.

Whether you’re buying your first home, moving, remortgaging, or reviewing your protection needs — we’re here to help.

Gateway Financial Group
The Gateway to your new home.

✨ There’s a reason why people choose Gateway Financial.

It’s not just about finding a mortgage.

It’s about having a team that listens, explains everything clearly, and supports you from your first enquiry right through to getting the keys to your new home. 🔑

Whether you're a first-time buyer, moving home, remortgaging, self-employed, or looking to protect what matters most, we’re here to make the process straightforward and stress-free.

🏠 Whole-of-market mortgage advice
💬 Friendly, honest guidance
⭐ 100+ five-star Google reviews
📱 Fast, responsive communication
🤝 Real people, real advice

Thank you to every client who has trusted us to be part of their journey.

Ready to see why so many people choose Gateway Financial?

Get in touch today.

📍 Edinburgh-based, supporting clients across the UK (but mainly Scotland 😉)

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