Daniel Grant Mortgage and Protection

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Haywards Heath
Daniel Grant Mortgage and Protection

Daniel is a mortgage broker with extensive experience in both residential and buy to let mortgages.
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15/06/2026

What mortgage term is right for me?

For decades, the 25-year mortgage has been seen as the “standard.” But standard doesn’t always mean right for everyone. The ideal term depends on your financial goals, income, stage of life and long-term plans, whether you’re buying your first home in your 20s, upgrading in your 40s, or planning for retirement in your 50s and beyond.

Benefits of a 25-year term
Lower monthly repayments compared to shorter terms
Greater flexibility in your monthly budget
Can make borrowing more accessible across different life stages

Benefits of a longer term (30–35+ years)
Even lower monthly payments, improving affordability for any age group
Helps borrowers buy sooner or borrow more comfortably, regardless of career stage
Creates cash flow flexibility for expenses like childcare, education, investing, or lifestyle goals
Allows for planned overpayments later if circumstances improve

Potential downsides
You’ll usually pay more interest over the life of the mortgage
It may take longer to become mortgage-free
It might not align with retirement or long-term wealth-building plans

Many borrowers select a term simply because it’s the default, rather than because it’s the most effective choice for their situation. The right mortgage term is the one that fits your life, not just the norm.

We help clients look at the bigger picture. Sometimes a shorter term can save tens of thousands in interest, while in other cases a longer term with planned overpayments provides the right balance of flexibility and control.

The key is having a mortgage strategy that fits your life, not just the norm.
If you’re reviewing your mortgage or planning a move this year, we’re always happy to have a conversation.
Call on 07961069862
Follow us on our social media channels and stay ahead with the best mortgage advice!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

11/06/2026

The World Cup is finally here, and we couldn't be more excited! ⚽

We're looking forward to an incredible tournament and getting right behind both England and Scotland as they take on the world's best. Wishing both teams the very best of luck, come on England and Scotland! 🏴⚽🏴󠁧󠁢󠁳󠁣󠁴󠁿

Who else is counting down to kick off?

14/05/2026

“Why do we do this job?”
The truth is, it’s not just about mortgages. It’s about moments.

It’s about the first-time buyer who thought homeownership was out of reach, until we help them collect the keys.
It’s about the growing family that needs more space for their next chapter.
It’s about making sure that if life throws the unexpected at you, your home and your loved ones are protected.

Working in mortgages and protection isn’t just paperwork and policies. It’s listening to people’s plans, worries and dreams and helping turn them into something secure and achievable.

We do this job because we genuinely care about giving people clarity in what can feel like a confusing process.
We do it because we’ve seen the relief on someone’s face when their mortgage gets approved.
We do it because protection isn’t “just another policy” it’s peace of mind.

If you’re thinking about your next move or simply want to understand your options, contact us to review your options.
📞 07961069862
Visit https://financeplanning.co.uk/mortgages
Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

05/05/2026

🚫 Mortgage myth that’s costing people:
Think you need 20% deposit to buy a home? Think again.

Many people believe you can’t get on the property ladder until you’ve saved a massive deposit, but that’s not true. In the UK, there are mortgage deals for first-time buyers and home movers with much smaller deposits, sometimes as low as 2% and in some cases no deposit is required at all.

Waiting to save 20% could mean:
✔️ Years of renting instead of owning your own home
✔️ Missing out on property price growth
✔️ Delaying your journey to building equity

The key is to explore your options, see what deals are available for your situation and plan smartly.
The earlier you start, the sooner you could move into your own home.

Are you thinking about buying? Let’s talk about what deposit you really need and how to get started.
Let’s talk through the numbers instead of the myths.

When you are ready contact us and we can gently guide you through the process.
📞 07961069862)
Visit https://financeplanning.co.uk/mortgages

Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

01/05/2026

🏡 Calling all First-Time Buyers!

98% mortgages are now available for FTBs with Santander. That means you could buy a home with just a 2% deposit (minimum £10,000).

If saving a big deposit has been holding you back, this could be a game-changer:
✔️ Get on the property ladder sooner
✔️ Stop waiting while prices and rents rise
✔️ Start building equity instead of paying rent

These deals aren’t right for everyone, and affordability still matters, but for the right buyer, they open a door that was closed before.

Thinking about buying your first home, but assumed you needed way more saved? When you are ready, contact us, and we can gently guide you through the process.

📞 07961 069862
Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

30/04/2026

Before You Buy: The Costs No One Talks About

Most people focus on the purchase price, but the reality is, there are several costs involved in buying a property that can catch you off guard if you’re not prepared.

Here’s what you really need to factor in:
Deposit
Typically 5–20% of the property price. The bigger the deposit, the better the mortgage options and rates you’ll usually have access to.

Stamp Duty
This depends on the property price and whether you’re a first-time buyer. It can be a significant cost, so it’s important to know what applies to you early on.
Solicitor / Conveyancing Fees
Legal work for the purchase, searches, contracts and handling funds. Costs can vary, so it’s worth budgeting properly.
Mortgage Broker Fee
Some brokers charge a fee for arranging your mortgage and advising on the best deal. Others are fee-free — but it’s always good to be clear upfront.
Lender Fees
This can include arrangement fees, valuation fees and sometimes booking fees depending on the mortgage product.

Buying a home isn’t just about “can I afford the monthly payment?” it’s about being ready for everything that comes with it.
The buyers who have the smoothest journeys aren’t always the ones with the biggest budgets… they’re the ones who are the most prepared.
If you’re thinking about buying this year, take the time to plan properly — your future self will thank you.
Contact 📞 07961 069862
Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

29/04/2026

Are you stuck in the rental trap? Maybe it’s time to stop paying someone else’s mortgage...

Skipton Building Society now offers a track record mortgage designed specifically for renters who want to get on the property ladder.

How does it work?
✅ No deposit needed, you don’t need thousands saved to get started
✅ Borrow based on your rent payment history, your reliable rent shows lenders you can afford a mortgage
✅ Borrow up to 100% of the property value (subject to eligibility)

If you’ve been renting and thinking “I’ll never be able to buy,” this could be your chance to move into your own home sooner than you imagined. Guess what? The Skipton are one of many mortgage lenders that we have access to, all you have to do it get in touch.
📞 07961 069862

Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

28/04/2026

Market Update 🏡

The mortgage market is still moving, just not quite in a straight line. After a positive start to the year, things have become a little more cautious again, but there are still solid opportunities for buyers who are prepared.

What is happening right now?
🔹 Mortgage rates have steadied, but they’re no longer falling as quickly as earlier this year. Lenders are adjusting deals regularly, so timing matters more than ever.
🔹 The Bank of England is holding rates for now, meaning we’re in more of a “wait and see” period rather than expecting big drops.
🔹 Inflation has ticked up slightly, which is one of the reasons rates aren’t improving as fast as many hoped.
🔹 Buyer demand is still there, but people are being more careful and price-conscious.
🔹 Remortgages are increasing, with many homeowners coming off older, lower fixed rates.

In short: The market is stable, not booming. There’s still movement, still lending, and still opportunities, just with a bit more caution in the background.

What does this mean for you?
✔️ Good deals still exist, but they don’t always stick around for long
✔️ Being organised financially puts you in a much stronger position
✔️ Lenders are looking closely at affordability, so preparation is key
✔️ The right advice can make a big difference in a changing market

This isn’t a bad market, it’s just a more balanced one.
For those who are prepared, realistic and well advised, 2026 is still a great time to make a move, whether you’re buying your first home, moving up the ladder, or reviewing your current mortgage.

If you’re thinking about your next move, Let’s talk about how to position yourself in this evolving market!
Contact 📞 07961 069862

Follow us on our social media channels and stay ahead with the best mortgage advice! 🌟📊

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

16/02/2026

This is how we saved our clients money at their mortgage renewal 👇
When our clients came to us, they were about to accept their lender’s renewal offer. It felt easy. Less paperwork. Less hassle. Just sign and move on.

But “easy” doesn’t always mean “best.”
We reviewed their current deal, assessed the market, and compared options across lenders. After a full review of their circumstances, we secured them a more competitive rate that better suited their plans.

The result?
✔️ Lower monthly payments
✔️ More flexibility
✔️ Long-term savings over the fixed term

And the best part? They nearly signed the original offer without realising there were better options available.

Mortgage renewal isn’t just a formality — it’s an opportunity.
An opportunity to save money.
An opportunity to restructure.
An opportunity to make your mortgage work better for you.

If your renewal is coming up in the next 6 months, now is the time to review it, not the week before it expires.

Message us and let’s make sure you’re not leaving money on the table.
📞 07961069862

Follow me on our social media channels and stay ahead with the best mortgage advice! 🌟📊

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

Address

Haywards Heath
RH177QX

Telephone

+447961069862

Website

https://danielgrant.financeplanning.co.uk/

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