David Daniels - Mortgage & Protection Adviser and Commercial Finance Broker

David Daniels - Mortgage & Protection Adviser and Commercial Finance Broker Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Award winner - 2025 Optimum Trading Business Commercial Broker of the year 🏆
I have 30+ years experience helping my clients with both Personal and Commercial Finance Solutions Commercial Mortgage/ Finance are not regulated by the Financial Conduct Authority. Commercial Finance will be dealt with via referral to Oxcroft Commercial Finance Ltd. There may be a fee for mortgage advice. The precise amo

unt will depend upon your circumstances. Oxcroft Financial Services Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 11861578. Registered Address : 158 Hemper Lane, Sheffield, United Kingdom, S8 7FE.

🌿 August is National Wellness Month 🌿When we think about wellness we often think about eating well, staying active and l...
07/08/2026

🌿 August is National Wellness Month 🌿

When we think about wellness we often think about eating well, staying active and looking after our mental health. But there's another part of wellbeing that's often overlooked...
💙 Financial wellness.

No one expects to become seriously ill or be unable to work, but if the unexpected happened, would you have the financial support you need?

❤️ Life Cover can help protect the people you love.
🩺 Critical Illness Cover can provide financial support following the diagnosis of a covered serious illness.
💼 Income Protection can help replace part of your income if illness or injury means you can't work.

Looking after your wellbeing isn't just about living well today, it's about preparing for tomorrow too.

This National Wellness Month, make your financial wellbeing part of your self-care routine. 🌱

📞 Not sure if you have the right protection in place? Speak to me today for a no-obligation protection review and let's make sure you and your loved ones are prepared for whatever life brings.

AI Can’t Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
20/06/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Could Your Family Be Left Unprotected by a Common Insurance Misconception?Many people believe that if they have Terminal...
03/06/2026

Could Your Family Be Left Unprotected by a Common Insurance Misconception?

Many people believe that if they have Terminal illness Cover, they are also protected for a critical illness diagnosis.

Unfortunately, this isn't the case.

We've recently spoken to clients who were surprised to learn that:

• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.
• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, multiple sclerosis, or other conditions listed in the policy.
• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.

Why this matters
Imagine being diagnosed with a serious illness and facing:

✅ 💷 Loss of income
✅ 🏠 Mortgage or rent payments
✅ 👶Household bills and childcare costs
✅ 🚗🏥Additional medical or travel expenses

Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.

Three questions to ask yourself:

1. If I couldn't work for 12 months due to a serious illness, how would I pay my bills?
2. Does my current policy include Critical Illness Cover or only Terminal Illness Cover?
3. Do I know what my policy actually covers?

Many policyholders haven't reviewed their protection arrangements in years and may not know exactly what they are covered for.

We're offering a complimentary protection review to help you understand your existing cover, identify any gaps, and ensure your family is properly protected.

👉📞Reply to [email protected] or contact us on 07399 872870 to arrange your review.

Think bad credit means no mortgage? Not necessarily.There are actually lots of lenders who will consider applicants with...
27/05/2026

Think bad credit means no mortgage? Not necessarily.

There are actually lots of lenders who will consider applicants with credit blips, it’s just about knowing where to look and how to present your case.
One lender I’m highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):
✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don’t always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV
This is exactly why speaking to a broker makes a difference, criteria like this isn’t always obvious if you’re going direct.
If you’ve been declined before, or you’re unsure where you stand, it’s worth having a conversation.
📩 Drop me a message, and I’ll give you a clear, honest view of what’s possible.
David Daniels Tel 07399 872870
Email – [email protected]

Subject to full mortgage application and product range.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🚨 HUGE news for first-time buyers & renters 🚨Halifax is shaking up the mortgage market with a game-changing new deal fro...
15/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:
• Up to 98% LTV (just £5k minimum deposit)
• Available on homes up to £300,000
• 5-year fixed rate with NO product fees
• Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.
We have access to this deal, so drop us a message! 👇

[email protected]
Tel 07399 872870



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Renting rules are changing… what does this mean for you? 🏡From 1 May 2026, the Renters’ Rights Act will bring in some im...
30/04/2026

Renting rules are changing… what does this mean for you? 🏡

From 1 May 2026, the Renters’ Rights Act will bring in some important changes:
🔑 Removal of ‘no fault’ evictions: Landlords will need a valid reason to end a tenancy
📄 More flexible tenancies: No more being locked into long fixed terms
📅 Rent can only be increased once a year
⚖️ Tenants can challenge unfair rent increases
💷 Large upfront rent payments will be banned
So what does this mean for you?

For landlords with mortgages:

👉 Beyond just the rules, this is likely to shift how you as a landlord approach your properties.

You may:
• Review whether your current mortgage is still competitive
• Look at raising funds for improvements to increase rental appeal
• Reassess profitability and consider selling
• Restructure portfolios or reduce the number of properties you hold

👉 If you’re a landlord, now is a good time to step back and look at your overall strategy, and make sure your mortgage is working for you, not against you.

For renters & first-time buyers:

👉 For some, this may make renting more stable. For others, it might be the nudge to explore buying instead.

That’s where I come in.

I help you understand your options, whether it’s getting onto the property ladder, reviewing your current mortgage, or planning your next move with confidence.

If you’re unsure how these changes affect you, just drop me a message 📩

David Daniels 07399 872870
Email - [email protected]



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Not a bad way to head into the weekend!🍫Really grateful to work with such great clients and gestures like this don’t go ...
24/04/2026

Not a bad way to head into the weekend!🍫

Really grateful to work with such great clients and gestures like this don’t go unnoticed!

It’s always my aim to make the remortgage process as smooth and stress-free as possible, so it means a lot to feel appreciated🙌🏻

Address

Station Business Centre, 2 Station Road
Clowne
S434RW

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when David Daniels - Mortgage & Protection Adviser and Commercial Finance Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to David Daniels - Mortgage & Protection Adviser and Commercial Finance Broker:

Shortcuts

Share

Category