DMacdonald Mortgages

11/09/2026

🏡 £275,000 — what could the mortgage look like?

I’ve run the numbers on this property using a 35-year mortgage term and a 2-year fixed rate 👇

💷 5% deposit (£13,750)
95% LTV | 5.37% NO PRODUCT FEE | £1,379.77 pcm

💷 10% deposit (£27,500)
90% LTV | 5.29% NO PRODUCT FEE | £1,294.30 pcm

💷 15% deposit (£41,250)
85% LTV | 5.25% NO PRODUCT FEE | £1,216.34 pcm

A larger deposit can mean a lower mortgage rate and lower monthly payments — but the right option will depend on your individual circumstances.

📩 Wondering what you could borrow or what your monthly payments could look like? Send me a message.

Figures are for illustration purposes only and are based on mortgage rates available at the time of creating this Reel. Rates, payments and product availability can change. The figures shown are not a mortgage offer or a guarantee of eligibility. Your actual rate and monthly payment will depend on your individual circumstances, affordability, lender criteria and the product available to you. A 35-year term is used for illustration and would be subject to lender and affordability criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

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24/08/2026

“I know it can feel like you’re asking a million questions… but honestly, that’s what I’m here for! 🏡

Whether you’re buying your first home or moving to your next one, there’s no such thing as a silly question.
WhatsApp, Instagram, phone or email — whatever works for you.

Ask away. That’s what I’m here for. 👊

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

11/08/2026

Your bank says you can borrow £90k… so that’s all you can borrow, right? 👀
Not necessarily.
I recently had a client who had been with their bank for years. Their business banking was with them, and they already had their mortgage with them.
When they asked their bank how much they could borrow, they were told £90,000.
They came to me for a second opinion.
I looked at their circumstances and, more importantly, found lenders who assessed their income differently.
Here’s the bit that made the difference 👇
As a company director, you might take a relatively small salary and leave a lot of the business profit in the company rather than taking it all as dividends.
For example:
Company net profit: £100,000
Salary: £12,000
Dividends taken: £20,000
Some lenders may primarily focus on the salary + dividends actually taken.
But other lenders may be able to consider the salary + company net profit when assessing affordability, depending on their criteria and your circumstances.
That can make a BIG difference to how much you could potentially borrow.
In my client’s case:
Their bank: £90,000
With the right lender: £180,000
🔥 That’s a £90,000 difference.
And this is exactly why I tell people:
Always get a second opinion.
Your bank might know your business.
But they don’t have access to every lender’s criteria.
Just because one lender says “£90k is your maximum” doesn’t mean another lender will say the same.
If you’re a company director, business owner or self-employed and you’re thinking about moving home, remortgaging or borrowing more…
Don’t assume the first figure you get is the final answer.
Every lender has different criteria and affordability is assessed on an individual basis. The example above is for illustration purposes only.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

29/07/2026

A new 95% Near Prime mortgage range launched yesterday, aimed at buyers who have a 5% deposit but don’t quite meet mainstream lending criteria.

If you’ve been put off applying because of a small deposit, a thin credit file or some historic credit issues, it’s worth taking a look at the criteria.

I’ve broken it down in the slides, so swipe through to see who this could be suitable for.

If you’d like to find out whether it’s an option for your circumstances, feel free to get in touch.

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

All mortgages are subject to status, affordability, credit assessment and lender criteria. Eligibility is not guaranteed. Rates, fees and products may change or be withdrawn without notice.

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15/07/2026

Halfway through the year already! 😊

I wanted to take a moment to reflect on the first six months of 2026, say a huge thank you to everyone who has supported the business, and give a quick update on what’s been happening in the mortgage market.

A special thank you to our administattor Hannah, who has now been with us for a year, and to all of our amazing clients for helping us reach 130 five-star reviews and celebrate four years in business. We genuinely appreciate every recommendation, review and referral.

If your fixed-rate mortgage is due to end in the next six months, now is a great time to start looking at your options. You can often secure a new rate early and, if rates improve before your new deal starts, we may be able to switch you to a better one.

If you’re thinking about buying your first home, moving, or remortgaging, feel free to get in touch for a friendly, no-obligation chat.

Thank you again for your continued support—it really does mean a lot. Here’s to a fantastic second half of the year! 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP ON YOUR MORTGAGE PAYMENTS

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26/05/2026

12/05/2026

These are just some of the scenarios we’ve helped clients with recently:

✅ First time buyers - 5% deposit with multiple defaults
✅ Self employed with defaults in the last 12 months and a 5% deposit
✅ First time buyer on their first fixed term contract, mortgage offer came the same day application was submitted
✅ Family protected for life cover, critical illness cover and their income is protected should they become sick or injured
✅ Mortgage agreed for a tenant buying from their landlord with £0 deposit

If any of these scenarios sound similar to your circumstances, or you’d like to discuss your options, feel free to get in touch.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE

18/03/2026

Sorry I’ve been a bit quiet on here lately — it’s been a busy few weeks behind the scenes!

You may have seen a few headlines about mortgage rates going up. While there has been a some movement, it’s not been anything drastic — more a small shift due to global events (including the situation in Iran) and changing expectations around future rate cuts.

The main thing to know is: there are still plenty of good options out there, and it’s all about getting the right advice for your situation.

On a more positive note, I recently helped a first-time buyer who had been going through the process to secure their first home — which is always a great feeling.

They kindly left this review (see below), and even treated me and Hannah to lunch which was completely unexpected but really appreciated.

Thank you — it genuinely means a lot 🙏

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR REPAYMENTS

18/02/2026

🚨 Big news for buyers: Inflation has dropped to 3%!

If you’re a first-time buyer or planning to move home, this might sound exciting — and it is good news!

Here’s the key:

The Bank of England base rate influences the economy, but it doesn’t directly set fixed mortgage rates.

Any change in rates is just an indication — lenders may take time to adjust, and your deal depends on your personal situation.

So what does this mean for you?
✔️ It’s a sign that the market is moving in a positive direction
✔️ Monthly payments and borrowing power could improve gradually
✔️ Being prepared now puts you ahead

💡 Thinking about buying this year? Let’s check your numbers and options — no pressure, just clarity.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP ON YOUR MORTGAGE REPAYMENTS

homemovers

12/02/2026

Many buyers see a default on their credit file and immediately assume:

“I’ll have to use a specialist lender.”
“I’ll be stuck with a really high rate.”
“I probably won’t be accepted.”

That’s not always the case.

What really matters is:

✔ How old the default is
✔ Whether it’s been satisfied
✔ How you’ve managed your credit since

The more historic the default — and especially if it’s been settled — the more lender options you may have available.

Some mainstream lenders will consider applicants with older, satisfied defaults at competitive rates.

This week I arranged an Agreement in Principle for a client with a previous default:
✅ Mainstream lender
✅ Competitive rate
✅ 8% deposit

Every case is different, but assumptions can cost you better options.

If you’ve had credit blips in the past, it’s worth having a proper review before assuming you need a specialist lender.

Message me if you’d like to understand where you stand.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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