Harrison Davies Mortgage & Protection Advice

Harrison Davies Mortgage & Protection Advice Fee Free Mortgage Advice
Whole of Market
Independent

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20/01/2026

Proof of deposit!!!!

When buying a property with or without a mortgage, proof of deposit/funds will need to be evidenced.

Mortgage Brokers (me 😁), Estate Agents and sometimes lenders will ask to see your proof of funds.

For mortgage purposes it will be asked for to help work out your affordability and what property value you could potentially buy. We will also (along with the lender) check to see how the funds have been built up to make sure it’s not from anything dodgy 👀

Estate Agents will ask for their money laundering checks as well and to ensure that you able to afford what you are offering on the property.

So if you are going through the house buying journey and get asked the question , it is nothing to worry about and is part of the process.

If you have any questions on deposits or what’s the best savings accounts to hold your deposit in, then feel free to reach out 👋🏼

25/11/2025

A question I have been asked a few times 😅

Loan to Value (LTV) is a key area which you need to understand when applying for a mortgage.

It can have an impact on affordability, interest rates and meeting lenders criteria to name a few.

You can get up to 100% mortgages on a property meaning no deposit BUT it does come with a hefty amount of criteria to be eligible for.

Typically lenders require at least a minimum deposit of 5% meaning a 95% loan to value.

The more equity/deposit you have, the lower the rates will be.

Each interest rate is set at a multiple of 5 from 95% down to 60%.

If you want to talk about loan to values and interest rates further then feel free to drop me a message 👋🏼

A busy few weeks but the level of service does not change 🫡Here are some satisfied clients giving an insight on their mo...
20/11/2025

A busy few weeks but the level of service does not change 🫡

Here are some satisfied clients giving an insight on their mortgage journey. I appreciate all the kind words!

If you are looking for any advice and have no idea where to start. I am always here to help 👋🏽

12/11/2025

HOW MUCH?!?! 😦

A client asked about this topic today so thought I’d share….

It might come as a surprise but your first mortgage payment CAN be higher than your ongoing monthly payment.

This all depends on when you complete and what date you have set your direct debit payment date for as this will include interest from the date the lenders released the funds, up to the end of that month, plus your payment for the following month.

It evens out but your first mortgage payment could be nearly double depending on when you complete.

If a mortgage completes on the first day of the month, the first payment will be almost double the amount of the regular monthly payment.

So, whilst you make no payment in the completion month, there will be a large payment due in the second month.

Just bear that in mind and keep some money aside to ensure you are not short on the first payment!!

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

5 things you should know when buying a house 🏡
07/11/2025

5 things you should know when buying a house 🏡

29/10/2025

3 reasons to use a Mortgage Adviser….. More importantly why use me? 🤔

24/10/2025

Even now I will sometimes receive a question from clients that gets me thinking 😅 However, no question is a stupid question and I will always try my best to help!

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

17/10/2025

Saving for deposit can be one of the most challenging parts of getting onto the property ladder.

Let’s make sure that you’re prioritising the right things.

Now I’m not saying to not live your life but are you allocating your budget more towards “wants” rather than “needs”?🤔

You could at the start of each payday allocate a certain amount that you will put towards your deposit and still have a budget for socialising, holidays and clothes….

Just something to think about 💭

15/10/2025

What is a mortgage in principle?

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