Daniel Wilson - CeMap, CPSP - LIBF Specialist Mortgage & Protection Adviser

08/11/2025

No words!

16/05/2025

📣 Exciting News ! TRUELY No deposit! 100% Mortgages are back!

100% Loan-to-Value (LTV) mortgage, enabling eligible buyers to purchase a home without a deposit.

Key Features:

Loan Amount: Up to 100% of the property's value.

Income Multiple: Up to 4.49 times your income.

Fixed Terms: Mandatory 10 or 15-year fixed terms.

Minimum Income: £24,000 for a single applicant.

Applicants: Up to two applicants under the age of 70.

Interest Rate: Automatically reduces as you pay down the loan and move into lower LTV bands.

Early Repayment Charges (ERCs): None when moving home, overpaying lump sums, or redeeming in full using your own funds.

Overpayments: Uncapped, allowing you to reduce your balance faster.

Eligibility Criteria:

Bonus, Overtime, and Commission: 80% considered, up to a maximum of 50% of basic pay.

Self-Employed: Minimum of 2 years trading; income assessed as the lower of the most recent year's income or the average of the last 2 years.

Loan Amounts: Between £50,000 and £600,000.

Credit History:

No County Court Judgments (CCJs) in the last 36 months.

CCJs totaling up to £500 or defaults up to £200 in the last 3 years may be ignored.

No arrears on secured loans in the last 3 years.

No arrears on unsecured loans in the last 12 months.

No Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs), or previous repossessions.

This is a rare opportunity to get on the property ladder without a deposit. If you're interested or have questions about your eligibility, call me today to discuss your options and take the first step toward homeownership.

07730 418123

03/05/2025

Mortgage Rates on the Decline: A Silver Lining for UK Homebuyers

Over the past couple of weeks, UK mortgage borrowers have seen a welcome shift as major banks, including Halifax, Barclays, Nationwide, and NatWest, have reduced their fixed-rate mortgage offerings to below 4% for two- and five-year deals at 60% loan-to-value (LTV). This trend is largely attributed to declining swap rates and expectations of further rate cuts by the Bank of England (BoE) .

Looking ahead, the BoE is widely anticipated to announce another rate cut, potentially bringing the base rate down to 4.25% as early as next week. This would mark the fastest pace of rate reductions since the 2008 financial crisis . Economists predict that the base rate could fall below 3% by the end of 2025, providing further relief to borrowers .
Latest news & breaking headlines

For those considering a mortgage, it's crucial to compare the total cost of deals, including any upfront fees, as some low-rate offers may come with high charges that could outweigh the savings. This is called “true cost”!

This trend presents a timely opportunity for prospective homeowners and those looking to remortgage to secure more affordable borrowing terms. As the economic landscape evolves, these rate cuts could significantly ease the financial burden for many.

30/03/2025

Need a financial bridge? Let’s cross it together!

26/03/2025

Had an engaging and informative meeting with Allica Bank yesterday!

We delved deep into their diverse lending offerings, from bridging loans to commercial finance, and got an in-depth understanding of how they approach business accounts and underwriting principles.

It was a fantastic opportunity to learn more about their tailored solutions!

Looking forward to working with Allica Bank more in coming months months!

20/03/2025

🏡 Struggling with Mortgages? Let’s Make It Work for You! 🏡

The mortgage market has shifted, and with higher interest rates, many are finding it tougher. But don’t worry—whether you’re self-employed, have adverse credit, or facing a complex financial situation, there are still options out there!

🔹 Self-Employed? We’ve Got You! I recently helped a self-employed client with only 1 year of accounts secure a large loan for his family home. Using his retained profit and director’s salary, we showed it was achievable. It’s possible even with less than 2 years of self-employed history.

🔹 Adverse Credit? No Problem! I also helped a client with 3 CCJs, 2 recent defaults, and outstanding loans—and we still got him a mortgage. Your credit history doesn’t have to hold you back!

🔹 What I Cover: I provide tailored solutions for:

Shared Ownership Mortgages
First-time Buyers
Divorce Cases & Court Appraisals
Complex Incomes
Large Buy-to-Let Portfolios
Bridging Finance
Commercial Loans
Development Finance
Mortgage & Life Protection Cover
Business Loans
🔹 How I Can Help: If you’re self-employed, have credit issues, or need any of the services listed above, I can help you find a mortgage or finance solution that works for you. I specialize in navigating complex situations and securing the right deal. Let’s talk and see how I can help.

📞 Contact me today for a free, no-obligation chat!

💬 Share the love and spread the word—tell your friends and loved ones!
👍 Like, follow, and share for more tips and updates!

17/03/2025

29/01/2025

A Day at MFS HQ – Development Financing & AI Master Course

Had an enriching day at MFS head office in London, learning from two outstanding experts: Uliana Kuzmis on Development Financing and Liz Syms on AI in Finance.

Uliana, with her extensive experience as a CEO of specialist lenders, shared valuable insights into the needs of lenders and underwriters, offering strategies to improve deal success and navigate challenges in securing financing.

Liz, founder of Connect Mortgages, explored how AI is transforming the mortgage industry, enhancing workplace efficiency, and revolutionizing decision-making in financial services.

Thanks to MFS, Uliana, and Liz for a thought-provoking day!