David Milloy - Independent Mortgage Adviser

09/03/2026

04/02/2026

I think we’re all glad to see the back of January…unofficially the longest month of the year 😆
The mortgage market has certainly made a positive start with a lot of movement in rates and lenders improving their criteria. There are also new products available for first time buyers and homemovers….below is a quick snapshot of a few products on the market which are proving popular:

✅ 98% mortgages for first time buyers

✅ 100% mortgages available for potential buyers who have been renting over 12 months

✅ 95% mortgages across a wide range of lenders for first time buyers and homemovers

✅ Delayed start mortgages (no payments in the first 1, 2 or 3 months)

Don’t hesitate to get in touch to find out more and check if you’re eligible.

David Milloy
DMFS Ltd

T: 01259 762302 / 07917 820587
E: [email protected]
W: dmilloyfinancial.co.uk

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

22/12/2025

That’s it for 2025 folks. It’s been a very busy year and as we look forward to a well earned break I would like to thank all our new clients who have entrusted us to assist them with their mortgage and protection needs. To all our existing clients I also thank you for your continued support.

Wishing everyone a wonderful Christmas and look forward to seeing what 2026 brings.

Our office will be closed until Monday 5th January.

David Milloy

T: 01259 762302
M: 07917 820587
E: [email protected]
W: dmilloyfinancial.co.uk

18/12/2025

🎄🎄🎄A Christmas gift from the Bank of England - the base rate has been cut by 0.25% to 3.75%🎄🎄🎄

So what does this mean for mortgages?

Well, the cut was widely expected so most lenders will already have this cut factored into the fixed rates on offer. It’s a case of watch this space in January to see how they react once the dust settles.

For customers on tracker rates, they will see their rate reduce by 0.25% as a result of this announcement 🙌🙌🙌

Overall this is a positive end to the year for mortgages as inflation appears to be under control and expectation is we may see some further base rate reductions next year 🤔 let’s see how it goes……..

As always we will always advocate speaking with a broker to help you navigate all the options available whether you’re a first time buyer, home mover or an experienced landlord.

David Milloy
T: 01259 762302
M: 07917 820587
E: [email protected]
W: dmilloyfinancial.co.uk

06/02/2025

Did you know we are an approved broker with the Own New scheme which enables first time buyers and home movers to purchase a new build property with reduced interest rates starting at an amazing 0.59%!! Rates will vary depending on the level of deposit but all Own New mortgage rates are lower when compared to standard residential mortgage rates.

If you are considering a new build purchase this year get in touch for full details on eligibility.

David Milloy
DMFS LTD

T: 01259 762302 / 07917 820587
E: [email protected]
W: dmilloyfinancial.co.uk

31/01/2025

Well done everyone, we made it to the end of the month 🙌🎉🙌🎉

January is always a drag but the good news is we’ve been really busy here at DMFS Ltd since the new year.

We’ve been helping first time buyers, home movers, BTL investors and existing clients with their mortgage renewals.

Plus I’m excited to say our new website is now up and running.

dmilloyfinancial.co.uk

Take a look and let us know what you think. This confirms all the services we provide and have expertise in. There’s tons of information and answers to common questions we hear on a daily basis. You also have direct access to a number of useful mortgage tools.

We will be updating this regularly and will have more posts for Facebook on a regular basis.

If you have plans on purchasing your first home, are thinking of moving house or would like to know what options are available as you approach the end of your current mortgage deal, don’t hesitate to get in touch.

David Milloy
DMFS Ltd

📞 01259 762302
📧 [email protected]
🕸️ dmilloyfinancial.co.uk

24/12/2024

It’s Christmas Eve folks! 🙌🎄🎅🎁

I’d like to thank all of our clients past, present and future a very merry Christmas.

Our office will now be closed until January 3rd.

Looking forward to helping a new wave of first time buyers, homeowners and investors in 2025.

07/11/2024

🚨Base rate reduction to 4.75%🚨

Positive news today from the Bank of England. As widely expected the base rate has been reduced by 0.25% and now stands at 4.75%.

This will help mortgage holders who are currently on a tracker or variable rate mortgage. For those on fixed rate mortgages your payments will be unaffected.

Whether you are a first time buyer, home mover or your existing deal is coming to an end, it’s vital to seek professional unbiased advice.

We’re here to help.

David Milloy

T: 07917 820587
E: [email protected]