The Mortgage Caddie

12/03/2026

Buying a house with a 2% deposit 👀

Santander have recently announced a ‘My First Mortgage’ product allowing deposits from 2% ‼️

For many potential buyers, building a deposit is one of the biggest challenges when getting onto the property ladder 🏡

Initiatives like this are designed to support those with smaller deposits, but what does it actually mean?

🟢 Whilst 2% is attractive, it’s a minimum £10k deposit,
🟢 First time buyers are only eligible,
🟢 Not available for any self-employed applicants,
🟢 The product is fixed for a 5 year period,
🟢 Maximum income multiplier of 4.45x salary.

Lender products and criteria are always evolving, which is why understanding the full picture is important 👍

*** Your home may be repossessed if you do not keep up repayments on your mortgage ***

08/03/2026

Let me reintroduce myself I’m Callum; the person behind The Mortgage Caddie 🏡⛳️ I’m your average golfer, a Dad, sports fanatic, a social butterfly and I love helping people 🙌

I recently launched The Mortgage Caddie because I wanted to bring something a little different to the mortgage and protection world — expert, professional advice delivered in a way that feels relaxed, approachable, and easy to understand 💪

Buying a home or arranging a mortgage is one of the biggest financial decisions most people will make in their lifetime. The goal is to guide people through that process in a simple and relaxed way helping them understand their options and making confident decisions 💯

The name The Mortgage Caddie comes from my love of golf. A good caddie doesn’t take the shot for you — they guide you, support you, and help you choose the right approach for the situation. That’s exactly how I see my role when working with clients 🤝

Join the Players Lounge and be part of the journey 🏡⛳️

*** Your home may be repossessed if you do not keep up repayments on your mortgage ***

10/10/2023

Today is 🌍

It’s an opportunity today to reach out to people and remove the stigma that is associated to mental health 👊🏼

It’s a topic that is very close to me and if this post can provide someone with the kick start and platform they need to take that first step then it was worthwhile!

“It is ok to not be ok” 🙂

04/10/2023

"We couldn't have wished for a better mortgage advisor especially during these challenging times. Callum Druce was always extremely helpful, organised and quick to reply. Thanks again for your help." says marion on Google

★★★★★ We couldn't have wished for a better mortgage advisor especially during these challenging times. Callum Druce was always extremely helpful, organised and quick to reply. Thanks again for your help.

04/10/2023

"Callum has been amazing from day one. I would highly recommend him to anyone looking for a mortgage. Thank you so much for all your help. I will definitely be working with you again in the future" says Kelly on Google

★★★★★ Callum has been amazing from day one. I would highly recommend him to anyone looking for a mortgage. Thank you so much for all your help. I will definitely be working with you again in the future

03/10/2023

"Couldn’t have found a better adviser to help me every step of the way. He went above and beyond to give me the best advice at a very stressful time in my life. Excellent!!" says Lorraine

★★★★★ Couldn’t have found a better adviser to help me every step of the way. He went above and beyond to give me the best advice at a very stressful time in my life. Excellent!!

29/09/2023

"We were recommended by a family member and it’s easily one of the best decisions we ever made! Callum Druce was our mortgage advisor and he made the whole experience easier and even enjoyable! He kept us up to date as soon as he was in the know and since it was our first time buying a house he explained everything inside out and guided us every step of the way. Professional service with a personal touch and he’s a very.." says Jade on Google

★★★★★ We were recommended by a family member and it’s easily one of the best decisions we ever made! Callum Druce was our mortgage advisor and he made the whole experience easier and even enjoyable! He kept us up to date as soon as he was in the know and since it was our first time buyin...

27/09/2023

"Callum was very helpful, and always on hand with up to date information and advice, he helped us secure our first home!

Thanks Callum!" says Daniel

★★★★★ Callum was very helpful, and always on hand with up to date information and advice, he helped us secure our first home! Thanks Callum!

20/09/2023

It’s out of office time for me ☀️

I’ll be back working from Tuesday, 26th September 👍

✔️

13/09/2023

The famous.. ‘It will never happen to me’ 🥴

Utterly devastating to hear news stories like this one and my first thoughts are with their families at such a difficult time 😔

I think the important❗️message I want to get across is that you aren’t ‘invincible’ and whilst you may think it will never happen to you or a loved one, this is reality for some people 💔

Who wouldn’t want peace of mind to protect their;

Home 🏡
Loved ones 👨‍👩‍👦
Income 💷

15/05/2023

🌍 Mental Health Week 🌏

It’s a week close to my heart and I want to remind everyone that it’s alright to not feel yourself; things get tough so don’t be alone!

“You’re only given a little spark of madness. You mustn’t lose it” - Robin Williams ⚡️

🙌