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Jargon Buster: Second Charge Mortgage
A secured loan, also known as a second charge mortgage, uses the borrower’s home as security.

This can be useful for those whose early repayment charges to remortgage are expensive, the self-employed or whose credit rating has changed.

Failing to repay a se...

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Did you know there is a difference between a mortgage and a remortgage?

Whilst both are essentially the same thing, some lenders have different products available for mortgage and remortgage customers.

Unsure where to start?

Our team are here to help, why don’t we arrange a quick chat to look ...

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Late or missed payments impact your credit score, which can impact your ability to get a mortgage.

If you’ve got missed or late payments on your credit file, a mortgage broker can help you explore your options. Talk to me today by calling 07584097787 or dropping me an email to michelle.deogun@ur...

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Not all buildings and contents insurance include accidental damage cover.

Be that a tin of paint over the carpet, the taps left on in the bath or the TV knocked on the floor.

If you have little ones running around at home, perhaps it’s time to review your insurance?

Another amazing review from one of my clients. Reading this makes me feel so happy knowing I'm helping so many people secure their forever homes ❤️

#motivation #mortgagebroker #mortgageadvice #mortgage #firsttimehomebuyer #helptobuy #sharedownership #homebuyers

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2 months ago
Michelle @ Urban Sticks I want to say a huge thank you to Michelle at Urban Sticks for her effort in finding me a suitable mortgage for the purchase of a new flat. I was impressed with her professionalism/knowledge and speed of response on queries and she really went above and beyond during the process - while remaining friendly - a real credit to the company. I wouldn't think twice about using her again and would highly recommend her to anyone who asks!
- Christine L
3 months ago
Michelle helped us to buy our first ever home. The whole process took less than 2 months. She is absolutely amazing and I will definitely be using her again in the future! Thanks you for everything you did for us. It is much appreciated ❤️
- Courtney S
5 months ago
I have just used Michelle for my recent mortgage and I can't rate her enough. She is professional, knowledgeable and friendly. Michelle kept me informed at every step and she got me an amazing deal which helped me to buy my dream home. I honestly would recommend Michelle to anyone, she takes all the hassle and stress away from you and provides you with a no nonsense straight forward service.
- Laura C

About Me

I'm a Mortgage & Financial Protection Adviser for Urban Sticks Mortgage Solutions Ltd.

They are an Appointed Representative of the Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). 

Urban Sticks Mortgage Solutions Ltd registered in England and Wales, Company Registration No 10680763. 

Registered Office: 
43 The Base
Dartford Business Centre
Victoria Road
Kent DA1 5FS

Urban Sticks FCA No 840395  

The FCA does not regulate some forms of Buy To Let Mortgages.

There may be a fee for mortgage advice, precise amount depends upon your circumstances but typically will be £495.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.   

By sending your data online, you are consenting to the use of your data in line with the attached privacy policy:

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  • 01322 314755


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Basepoint Buisness Park
Victoria Road
United Kingdom

Opening Hours

Mon:9:00 am – 6:00 pm
Tue:9:00 am – 6:00 pm
Wed:9:00 am – 6:00 pm
Thu:9:00 am – 6:00 pm
Fri:9:00 am – 6:00 pm
Sat:9:00 am – 6:00 pm
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