- Based in Mansfield
- 07506 983552
Putting people first with honest, straightforward advice on mortgages from stepping onto the property ladder, moving up it, switching deals, or investing in property.
Whether you’re stepping onto the property ladder, moving up it, switching deals, or investing in property — I offer tailored advice to help you feel informed, confident, and in control.
Mortgage Services
Residential Mortgages
Whether you’re buying your first home, moving house, or remortgaging, I’ll guide you through the whole process and help you understand your options — from getting financially qualified to securing the right mortgage deal.
Buy to Let Mortgages
Thinking about renting out a property or growing your portfolio? Whether it’s your first rental or you’re experienced, I’ll help you explore the best Buy to Let options.
Specialist Mortgage Schemes
Adverse Credit Mortgages
What Affects Your mortgage Rate?
The more you put down (or the more equity you have), the lower your risk to lenders — which can mean better rates.
Repayment or interest-only? Residential or buy-to-let? The structure of your loan makes a difference to how lenders price it.
Fixed deals give payment certainty. Variable deals may offer flexibility. We’ll explain the pros and cons so you can choose with confidence.
If your current mortgage deal is coming to an end or you haven’t reviewed your rate in a while; now might be the right time to take action. Remortgaging could help you reduce your monthly payments, secure a better rate, or even raise funds for future plans.
Ceo & Founder
Residential Mortgages
Whether you’re buying your first home, moving house, or looking to remortgage, I’ll help you understand your options and guide you through the whole process.
If this is your first home — moving out from parents or rented accommodation — we can sit down and look at the full picture. I’ll help you understand the costs involved and get you financially qualified, so when you find the right place, you’re ready to make a strong offer — especially useful if there are multiple buyers.
Thinking of moving home? Let’s do a complimentary “Cost of Moving” appointment. I’ll help you work out:
· How much you need to sell for
· How much you could borrow
· What your new payments might look like
Need to remortgage? The best time to start is around 6 months before your fixed deal ends. I’ll search the market for the best options. If you want to lock in a new rate, we can do that — and if rates drop, we’ll switch to the lower one. If they go up, you’ve protected your deal. Win-win.
Let’s talk — Book a call with me or call 07506 98355
Join my Free Mortgage Reminder Service I’ll reach out 6 months before your current deal ends. That gives us time to research the best rates. If rates go down, I can move you to the better deal. If they go up, we’ve already secured the lowest available. Win-win.
Please note:
You may have to pay an early repayment charge to your existing lender if you remortgage.
Buy to Let Mortgages
Thinking about becoming a landlord or growing your property portfolio? A Buy to Let mortgage is designed for properties you’ll rent out rather than live in yourself. Whether it’s your first rental or you already have experience, I’ll help you understand how it works, what’s needed, and which lenders are best suited to your goals.
We’ll look at:
· How much deposit you’ll need
· How rental income is assessed
· How to structure the mortgage (interest-only or repayment)
· Whether you should buy in your name or through a limited company
I can also help with:
· HMOs (Houses in Multiple Occupation)
· Student rental properties
· Mortgages for university students – a great way to get onto the property ladder early while studying. In many cases, a parent or family member can support the application.
Every lender has different rules, and I’ll guide you through what’s possible — even if you’re a first-time landlord or your circumstances are more complex.
Want to talk it through? Book a call with me or call 07506 983552
Already own a rental?
Join my Free Mortgage Reminder Service I’ll reach out 6 months before your current deal ends. That gives us time to research the best rates. If rates go down, I can move you to the better deal. If they go up, we’ve already secured the lowest available. Win-win.
Please note:
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Specialist Mortgage Schemes
Not everyone fits the traditional mortgage mould — and that’s okay. There are plenty of specialist schemes designed to help people with unique needs, challenges, or goals.
I can help with:
· Low deposit mortgages – including 5% and 100% mortgages where eligible
· Family-assisted mortgages – with support from a parent or relative
· Guarantor or Joint Borrower Sole Proprietor mortgages
· Right to Buy
· Shared Ownership
· New Build mortgages
· Self-employed mortgages – including newly self-employed
· Adverse credit – including defaults, missed payments, IVAs or previous bankruptcy
· Contractor mortgages
· Sharia-compliant mortgages
· Second charge mortgages – borrowing against your home alongside your main mortgage
· Bridging finance – for short-term borrowing needs between sales or purchases
Whether you’re unsure what you’d be eligible for or you’re trying to bounce back from a tricky financial past, I’ll walk you through the best options available for you.
Need a bit of guidance? Book a free chat with me or call 07506 983552
Already have a mortgage?
Join my Free Mortgage Reminder Service — I’ll get in touch 6 months before your fixed deal ends so we can explore your best options. If rates go down, I’ll move you to the better one. If rates rise, your great deal is already secured.
Adverse Credit Mortgages
Having adverse credit doesn’t mean you can’t get a mortgage — and it definitely doesn’t mean you’re alone. I work with clients every day who have had financial challenges in the past and still want to move forward with buying a home, moving house, or re-mortgaging.
What is “Adverse Credit”?
Adverse credit refers to any negative marks on your credit report, including:
These issues can make finding a mortgage more difficult, but not impossible. There are lenders who specialise in this kind of mortgage and assess each case on its own merits.
What do I need to know?
This is where expert advice really matters — I’ll guide you through the process and make sure we only apply to lenders that suit your circumstances.
What’s next?
Let’s have a no-pressure chat about your options. You don’t need to have all the answers — that’s what I’m here for.
Want to be reminded when it’s time to review your mortgage?
Add yourself to my Free Mortgage Reminder Service — I’ll be in touch 6 months before your deal ends so we can secure the best rate available.
We’ll have time to review the market and, if rates drop, move to a better deal — if they rise, you’ve already got the best one secured. Win/win.
