Steve Hatton Mortgage & Protection Advice

Steve Hatton Mortgage & Protection Advice Get your mortgage approved fast. Whole of market broker for adverse credit and self employed clients

How Lenders View Debt ConsolidationUsing a mortgage to consolidate debts isn't always as straightforward as people think...
22/07/2026

How Lenders View Debt Consolidation

Using a mortgage to consolidate debts isn't always as straightforward as people think.

Lenders may consider:

• The reason for the consolidation
• The type of debts being repaid
• Your overall affordability
• Whether the mortgage remains suitable for your circumstances

Whilst consolidating debts may reduce your monthly outgoings, it can also mean repaying those debts over a much longer period.

Every application is assessed individually, so lender criteria and affordability are particularly important.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Why the Lowest Rate Isn't Always the Cheapest MortgageWhen comparing mortgages, it's easy to focus on the interest rate ...
24/06/2026

Why the Lowest Rate Isn't Always the Cheapest Mortgage

When comparing mortgages, it's easy to focus on the interest rate alone.

However, the cheapest rate doesn't always mean the cheapest overall deal.

Other factors can include:
• Product fees
• Valuation fees
• Cashback incentives
• Early repayment charges
• Flexibility to overpay or make changes later

In some cases, a mortgage with a slightly higher rate but lower fees can work out better overall.

That's why it's important to look at the full picture, not just the headline rate.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Buying a Property Isn't Just About AffordabilityMany people assume that if they can afford the monthly payments, they'll...
22/06/2026

Buying a Property Isn't Just About Affordability

Many people assume that if they can afford the monthly payments, they'll automatically qualify for a mortgage.

In reality, lenders assess much more than affordability alone.

They'll typically consider:
• Your deposit size
• Credit history and conduct
• Income and employment
• The property itself
• Their own lending criteria

This is why two people with similar incomes can sometimes receive very different outcomes.

A successful mortgage application is often about the whole picture, not just the monthly payment.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

How Much Deposit Do First-Time Buyers Typically Have?There isn’t one set deposit amount for first-time buyers.In many ca...
24/03/2026

How Much Deposit Do First-Time Buyers Typically Have?

There isn’t one set deposit amount for first-time buyers.

In many cases, deposits tend to fall within a range depending on circumstances, such as:
• Savings built up over time
• Support from family
• Property price and location

Some buyers may have smaller deposits, while others put down more to access different options.

The key is understanding what works for your situation and what may be achievable before you start viewing properties.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

When Should You Start Looking at Remortgaging?Many homeowners wait until the last minute to think about remortgaging.In ...
23/02/2026

When Should You Start Looking at Remortgaging?

Many homeowners wait until the last minute to think about remortgaging.

In most cases, it makes sense to start reviewing your options around 6 months before your current fixed rate ends.

This gives you time to:
• Compare rates properly
• Secure a new deal in advance
• Avoid moving onto your lender’s Standard Variable Rate (SVR)

Most lenders will allow you to lock in a new rate ahead of time, which can give certainty and reduce pressure as your current deal comes to an end.

Planning early usually means more options and fewer surprises.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Remortgaging in 2026? Don’t Wait Until the Last MinuteIf your current mortgage deal ends in 2026, it’s worth reviewing y...
06/01/2026

Remortgaging in 2026? Don’t Wait Until the Last Minute

If your current mortgage deal ends in 2026, it’s worth reviewing your options well before the end date.

Most lenders allow remortgage discussions up to six months before your deal finishes. Starting early can give you more choice, reduce pressure, and help avoid ending up on a higher standard variable rate.

A review doesn’t commit you to anything, but it can give you clarity on what’s available and when action may be needed.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

What Lenders Actually Look At Going Into the New YearWhen lenders assess a mortgage application, they’re not just lookin...
02/01/2026

What Lenders Actually Look At Going Into the New Year

When lenders assess a mortgage application, they’re not just looking at one number or one document. They’re reviewing the full picture, including:

- Income consistency and sustainability
- How credit has been managed over time
- Existing financial commitments
- Where the deposit is coming from

Understanding what lenders actually assess can help avoid wasted applications and unnecessary declines.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

Another fantastic review from another satisfied client!If you're looking for no hassle mortgage advice in 2026, Please d...
02/01/2026

Another fantastic review from another satisfied client!

If you're looking for no hassle mortgage advice in 2026, Please do not hesitate to get in touch!

Defaults on your credit file? Don't panic! 😮A default is more serious than a missed payment, but it absolutely doesn't m...
25/11/2025

Defaults on your credit file? Don't panic! 😮

A default is more serious than a missed payment, but it absolutely doesn't mean a mortgage is off the table. Lenders look at several key things:

🗓️ How recent the default is.

💰 The amount involved.

✅ Whether it's settled.

The good news? As defaults age and your recent credit conduct improves, specialist lenders take a more flexible view! If you still owe money, settling the debt can even strengthen your application.

We're whole of market, meaning we can access every deal available to find the most suitable option for you.

Ready to explore your options? Book your FREE consultation today!

https://calendly.com/stevehattonmortgageadvisor/mortgage-consultation

REMINDER: As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Feeling incredibly grateful for these wonderful new 5-star reviews from our amazing clients! ⭐⭐⭐⭐⭐It's truly rewarding t...
02/09/2025

Feeling incredibly grateful for these wonderful new 5-star reviews from our amazing clients! ⭐⭐⭐⭐⭐

It's truly rewarding to help these clients navigate the mortgage process, whether it's securing a mortgage they thought was out of reach or making the whole experience smooth and clear. Thank you to everyone who trusts me with their home financing journey!

If you're thinking about buying your first home, remortgaging, or just need some friendly, expert advice on your mortgage options, I'm here to help every step of the way.

Don't hesitate to contact me directly for a no-obligation chat! I'd love to help you achieve your property goals.

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Address

17 Prime Parkway
Derby
DE13QB

Telephone

+447488290087

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