Francel Bangayan

Mortgage, But Make It Easy

Education EN ↓ 4 episodes

Mortgage, But Make It Easy cuts through the jargon and simplifies the world of mortgages and protection. Whether you're a first‑time buyer, a seasoned investor, a company director, or navigating a complex case, expert advisers from Heron Financial break it all down in plain English. Each episode turns real questions, real scenarios, and real challenges into clear, practical guidance, so you can understand your options, feel confident in your decisions, and take the stress out of securing your home or investment. Smart insights. Straight answers. Zero overwhelm. Just mortgages… made easy.

Author

Francel Bangayan

Episodes

Joint Borrower Sole Proprietor Mortgages: 3 Things People Get Wrong About JBSP 16.06.2026 10:01

Heard of a JBSP mortgage but not sure how it actually works, or whether it's the same as a guarantor mortgage? In this episode of Mortgage, But Make It Easy, Francel is joined by Brennan, mortgage adviser at Heron Financial, to clear up the three biggest misconceptions about Joint Borrower Sole Proprietor mortgages and explain when they're genuinely useful. Brennan breaks down what a JBS...

Mortgages for Junior Doctors: What Counts as Income and How Much You Can Borrow 15.06.2026 9:14

Thinking about buying your first home as a junior doctor and unsure how lenders will view your income? In this episode of Mortgages But Make It Easy, Amber sits down with Joshua Johnstone, mortgage adviser at Heron Financial, for a clear walkthrough of how mortgage applications actually work when you're early in your medical career. Josh explains which income streams count towards affordabili...

Student Let Mortgages Explained: What Landlords Need to Know 18.05.2026 14:29

How do student let mortgages work, and why do lenders treat them differently from standard buy-to-lets? In this episode of The Money Nest , Francel is joined by senior mortgage advisor Kane to break down the world of student let mortgages in simple terms. They explain how student lets differ from standard buy-to-let properties, why lenders pay close attention to licensing and occupancy, and how HM...

Remortgaging a Second Home: What You Need to Know Before You Apply 07.05.2026 19:45

Can you remortgage a second home — and how does it differ from remortgaging your main residence? In this episode of Mortgage, But Make It Easy , Amber is joined by senior mortgage advisor Aidan to break down everything homeowners need to know about remortgaging a second property. Whether it’s a holiday home, buy-to-let, or a second property for personal use, they explain how lenders assess afforda...