David Lewis Mortgage Management

24/02/2026

Why lenders sometimes ask for more documents

At the start of a mortgage application I’ll give you a clear list of what’s needed so we can get the case submitted.

As the lender reviews everything, they may come back with a few more questions or ask for an extra document. That’s completely normal and just means the underwriter is carrying out a full assessment of your individual situation.

Every lender is different and no two cases are the same. Income types, property, ownership structure and timelines all affect what they need to see.

My role is to manage that process for you, keep things moving, and deal with the lender so you don’t have to.

If something else is needed, it’s simply part of getting the mortgage over the line. We work through it together and keep the focus on the end goal.

If you’re thinking about buying, remortgaging or just want to understand how the process will look for you, feel free to get in touch.

27/03/2024

A special Easter offer from Accord Mortgages makes buying your first home easier. With just a £5,000 deposit required on properties up to £500,000, it's a great opportunity for those struggling to enter the housing market.

However, there are strict criteria: the property must be a house, you must be able to afford it, at least one person on the mortgage must be a first-time property owner, and you need a good credit score (I can advise on how to improve yours).

16/05/2023

Did you know that the Bank of England Base Rate has a direct impact on inflation and even your mortgage? 🏦💰

Here's how it works: When the Bank of England adjusts the base rate, it affects borrowing costs for everyone. When the rate goes down, it means lower interest rates for mortgages, making them more affordable for aspiring homeowners. 🏠✨ Lower interest rates encourage borrowing and spending, which can stimulate the economy and drive up demand for goods and services, potentially leading to inflation.

On the flip side, if the base rate goes up, borrowing costs increase, making mortgages more expensive. This can slow down economic activity, reduce demand, and help control inflation by putting downward pressure on prices. 📉💸

So, whether you're a homeowner or dreaming of owning your own place, understanding the relationship between the Bank of England Base Rate, inflation, and mortgages is crucial! It's a delicate balance that impacts the cost of borrowing and the overall health of the economy.

Keep an eye on the Bank of England's decisions on the base rate because they play a significant role in shaping your mortgage interest rates. Remember, staying informed is the key to making the right financial decisions. 📚💡

09/05/2023

Skipton Building Society has launched a new product to turn those in "generation rent" into "generation homeowner". There are 10 criteria points for eligibility but none are particularly onerous given what the lender is trying to accomplish.

I don't think it is the start of the market bringing back 100% mortgages for all, however, for this specific segment of potential buyers who struggle to rent and save a deposit at the same time, it may be a good option.

Skipton launches deposit-free mortgage aimed at renters

The product requires a good credit history, but does not need the financial backing of family or friends.

05/05/2023

Happy Friday everyone! As we gear up for the weekend, I want to talk about the unsung hero of home buying - the mortgage broker!

Sure, you could try to navigate the complex world of home loans on your own, but why not leave it to the experts? A mortgage broker can help you find the best rates and terms for your unique financial situation.

Plus, think of all the time and energy you'll save! You could spend your weekends house hunting and dreaming of backyard BBQs instead of poring over loan documents and stressing about interest rates.

So let's raise a glass (or a coffee cup, since it's still early) to our trusty mortgage brokers! Without them, we'd all be lost in a sea of paperwork and confusion. Happy house hunting, everyone! 🏡💰🍻

04/04/2023

Unlock the door to your dream home with the right mortgage. Let's connect and explore your options today!

21/03/2023

Ready to stop renting and start adulting? Our mortgage advice will have you saying 'home sweet loan' in no time! 🏠💰

12/03/2023

*Warning* Cheesy Sunday post!

When it comes to navigating the world of mortgages, it can often feel like you're alone in a sea of confusing options and paperwork. But just like how a cat can provide comfort during stressful times, a mortgage broker can offer a helping hand to make the process much smoother.

Cats can provide a sense of calm and security, and a mortgage broker can provide peace of mind by guiding you through the entire mortgage process. From finding the best mortgage options to negotiating with lenders on your behalf, a mortgage broker can take on the heavy lifting and help you feel more comfortable and confident throughout the process.

Plus, just like how a cat knows the ins and outs of your home and can help you feel more at ease, a mortgage broker has extensive knowledge of the mortgage industry and can offer valuable insights and advice to help you make informed decisions.

In short, similar to how a cat provides comfort and companionship, a mortgage broker can provide support and guidance as you navigate the often daunting world of mortgages.

So if you're in the market for a new home and want to become a ho(meow)ner, consider reaching out to a trusted mortgage broker to help you find the purr-fect loan for your needs.

28/02/2023

Sometimes my role takes me down the odd rabbit hole when I get a slightly unusual enquiry. I always like to see what is possible within the mortgage market irrespective of how obscure someone's circumstances may be, and I do like a challenge.

This week's gem is for a self-employed applicant who hasn't been trading for the usually required 3 years that most lenders want to see. Also, the historic income that was proveable wasn't enough to support the new mortgage requirement.

After some significant research through the 65+ lenders' criteria to which I have access, I found the golden egg. A mortgage lender that can look at the shorter-than-usual self-employed income history and then use the next year's projected income as the basis for the calculation of mortgage affordability.

The client gets the mortgage they require using a self-employed income projection and I learn something new that can help other clients in a similar situation. I love disproving the myths surrounding the requirements placed on self-employed individuals when it comes to mortgages.

02/10/2022

Times are crazy in the world of mortgages right now and I’m genuinely happy to help anyone on here at no cost.

🔑🏡🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🏡🔑

As a mortgage broker I want to raise awareness to as many people as possible about the current hikes in mortgage interest rates.

If you are on a fixed rate, did you know…

✅ you can arrange your remortgage 6 months in advance of your current rate ending to start from when your fixed rate ends.

If you are on a variable rate, did you know..

✅you should be able to switch over your rate over to a fixed rate immediately without any penalties to avoid future rate changes

If your fixed rate isn’t due to finish until later in the year or even later, did you know..

✅For peace of mind It might be worth paying the early repayment charge to fix in a new rate before they rise even further. Some lenders are now offering 7 and 10 year fixed deals as well as 2 and 5 year deals.

What ever your situation I offer free consultations to review your current mortgage and am happy to answer any queries.

Please email me or private WhatsApp if you’ve any questions. No fee broking and happy to chat. [email protected]

06/09/2022

Hi guys, I don’t ordinarily push my services, however times are crazy in the world of mortgages right now and I’m genuinely happy to help anyone on here.

🔑🏡🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🏡🔑

As a mortgage broker I want to raise awareness to as many people as possible about the current hikes in mortgage interest rates.

If you are on a fixed rate, did you know…

✅ you can arrange your remortgage 6 months in advance of your current rate ending to start from when your fixed rate ends.

If you are on a variable rate, did you know.

✅you should be able to switch over your rate over to a fixed rate immediately without any penalties to avoid future rate changes

If your fixed rate isn’t due to finish until later in the year or even later, did you know?

✅For peace of mind It might be worth paying the early repayment charge to fix in a new rate before they rise even further. Some lenders are now offering 7 and 10 year fixed deals as well as 2 and 5 year deals.

What ever your situation I offer free consultations to review your current mortgage and am happy to answer any queries.

Please email me or business WhatsApp if you’ve any questions. No fee broking and happy to chat. [email protected]