ABOUT US
We believe mortgages are about more than just money
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Integrity
Transparency
Confidentiality

Mortgage process in 5 steps
1. The Initial Consultation
Our initial consultation and sourcing a mortgage is FREE. You can contact us via the website, email, face book, WhatsApp or telephone, to arrange either a face to face or online meeting. I will let you know what documentation you will need to bring or send to me via your client portal.
During this meeting, I’ll discuss what you want to achieve and review your personal / financial circumstances, which includes your income, outgoings, and any other debts / financial commitments you may have. I will also give you some idea of what you can borrow.
2. AIP – Agreement in Principle (AIP):
I always recommended that you get yourself ‘mortgage ready’ when you are considering purchasing a property using a mortgage. Most estate agents will often require this before they put any offer to the vendor on your behalf.
An AIP is free to arrange and can easily be renewed if it goes out of date. So, once I’ve had a full understanding of your personal circumstances and financial situation, I will provide you with an AIP which you can give to the estate agent to show the lender is happy to give you a mortgage for the property purchase, subject to further assessment by an underwriter.
An (AIP) will not affect your credit score, as many lenders carry out a soft search. There’s no need to worry about this.
3. Mortgage Application Process
Once you’re happy with the mortgage I have recommended, I’ll complete and submit the necessary mortgage applications online. I’ll help you gather all the documents required and submit them to the relevant lender on your behalf.
Throughout this process, I’ll keep you informed on any updates or additional requirements the lender may need, as they underwrite your application.
4. Dealing with mortgage queries
5. Mortgage offer
Mission & Objective
I’m on a mission to make housing and investment properties accessible to all in our communities, through a range of financial services including mortgages, personal and business protection products and building and contents insurance. I aim to empower individuals and families to achieve their aspirations of homeownership, financial security, and peace of mind.
I’m not just about business; I’m committed to driving innovation, maintaining transparency, and actively engaging our community to positively impact our customers’ lives and foster sustainable growth in the community.
My dedication to making homeownership and investment properties achievable and sustainable for everyone is unwavering. I’ll tirelessly provide expert financial guidance, ensuring that individuals and families are able to confidently navigate the journey to their new home or investment.
With integrity, empathy, and a deep-seated commitment to community impact, I’ll strive to be the trusted partner our customers rely on for a brighter, more secure future.
My objective is to offer a comprehensive mortgage and protection adviser service to the community in which we operate. I will focus on providing personal and specialized services to meet each client’s specific needs and budget.

My Fees
Typically, I do not charge a fee for arranging a mortgage or protection product as commission will be received from the lender and/or life insurance company. For mortgage purposes, the actual fee will be dependent on your circumstances and will be agreed with you prior to advice being given.
TESTIMONIALS
What My Clients Say About My Company
We contacted David who was recommended through a friend. He helped us understand the steps we needed to take and advised on alternative options.
David has been available night and day, weekdays and weekends, answering our questions and handling the Mortgage Lenders! He has always put our needs first, and listened to what we wanted out of the remortgage.
Due to the lower interest rates at the time, and Davids’s promptness before the rates rocketed, we were able to raise £21k to wipe out our debts (£500 a month on loans and credit cards), get our chimney repaired, concrete our driveway and end up still paying what we did previously on our mortgage with the same term remaining!
Basically, we’re £500 a month up, and will soon have a new chimney and driveway and no more loan repayments!
Thank you, David!
We found it very difficult finding someone who was happy to spend the time to help with increased borrowing to buy our dream family home. David is helping to make this happen and we can’t thank him enough.
Thank You David
Thank you David