Steve Dyson - Independent Mortgage Matters

Steve Dyson - Independent Mortgage Matters Service and advice you can put your house on! Uncomplicated and clear information tailored specifically to your personal circumstances.

Having been in financial services for over 20 years I am proud to have built a reputation for honest and concise advice with the client at the centre of everything I do. I am experienced in dealing with low income families to executives of blue chip companies all with their own personal financial aspirations. No individually specific advice is given via this site. All views are those of myself and

no-one else associated with Independent Mortgage Matters. Your home may be repossessed if you do not maintain repayments on a mortgage or loan secured on it. Independent Mortgage Matters Limited is authorised and regulated by the Financial Conduct Authority - FCA No 300920. Written details of credit terms are available on request. A life assurance policy may be required. Redemption penalties may be payable to an existing lender. A fee may be charged for transacting business.

Self-employed and thinking about a mortgage?You may have heard that getting a mortgage is harder when you work for yours...
09/06/2026

Self-employed and thinking about a mortgage?

You may have heard that getting a mortgage is harder when you work for yourself.

It can involve a bit more preparation, but it is certainly not impossible.

Lenders may want to understand your income, trading history, accounts, tax calculations, business structure and how stable your earnings are. Different lenders can also look at self-employed income in different ways.

That is why choosing the right lender matters.

Whether you are a sole trader, limited company director, contractor or freelancer, it helps to get advice early so you know what paperwork may be needed and what your options could look like.

Good preparation can make the mortgage process much smoother.

Service and advice that you can put your house on.

Use the mortgage calculator on my website to get a quick estimate of your potential repayments. It only takes a few clic...
04/06/2026

Use the mortgage calculator on my website to get a quick estimate of your potential repayments. It only takes a few clicks.

But remember, calculators can only tell part of the story. Every situation is different, and that's where I come in.

As your dedicated mortgage adviser, Iโ€™ll help you understand what those numbers mean for your overall affordability, guide you through your options, and ensure youโ€™re on the best path based on your goals and circumstances.

Use the calculator to get started, and then letโ€™s discuss how I can help you make those numbers work.

Click the link below to begin your journey.

๐—ฆ๐˜๐—ฒ๐˜ƒ๐—ฒ ๐——๐˜†๐˜€๐—ผ๐—ป - ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐— ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€ - ๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฝ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ผ๐—ป!

๐—™๐—ถ๐—ฟ๐˜€๐˜-๐˜๐—ถ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ ๐—บ๐˜†๐˜๐—ต:โ€œI need to have everything perfectly sorted before I speak to a mortgage advisor.โ€You do not.In fa...
02/06/2026

๐—™๐—ถ๐—ฟ๐˜€๐˜-๐˜๐—ถ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ ๐—บ๐˜†๐˜๐—ต:

โ€œI need to have everything perfectly sorted before I speak to a mortgage advisor.โ€

You do not.

In fact, speaking to an advisor early can be one of the most useful first steps.

You might not know exactly how much you can borrow yet. You might still be saving. You might be unsure about your credit score, your deposit, or what lenders will look for.

That is completely normal.

A good mortgage conversation can help you understand where you stand, what your options may look like, and what steps could help you get mortgage-ready.

Buying your first home can feel complicated, but you do not have to work it all out on your own.

๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฝ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ผ๐—ป.

Why Every Clientโ€™s Plan Looks DifferentNo two mortgages should look exactly the same. Some clients are focused on keepin...
27/05/2026

Why Every Clientโ€™s Plan Looks Different

No two mortgages should look exactly the same. Some clients are focused on keeping monthly payments as low as possible, while others are planning ahead for a move, investing, or paying down their balance more quickly. What works well for one person may not suit another at all.

The right solution depends on your circumstances, your priorities, and your timeline. Thatโ€™s why I donโ€™t take a one-size-fits-all approach. The goal is to find a mortgage that fits you properly, not just one that looks good on paper, but one that supports where youโ€™re heading.

๐—œ๐—ณ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฎ๐—ป๐˜ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฝ๐—น๐—ฎ๐—ป ๐˜๐—ฎ๐—ถ๐—น๐—ผ๐—ฟ๐—ฒ๐—ฑ ๐˜๐—ผ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ด๐—ผ๐—ฎ๐—น๐˜€, ๐—น๐—ฒ๐˜โ€™๐˜€ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ฎ ๐—ฐ๐—ผ๐—ป๐˜ƒ๐—ฒ๐—ฟ๐˜€๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐˜‚๐—ถ๐—น๐—ฑ ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฎ๐˜ ๐˜„๐—ผ๐—ฟ๐—ธ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚. ๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฝ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ผ๐—ป.

๐—ช๐—ต๐—ผ ๐—”๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—ฌ๐—ผ๐˜‚ ๐—ก๐—ผ๐˜ ๐—ฅ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„๐—ถ๐—ป๐—ด ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ?If you simply sign your renewal and carry on, everything stay...
21/05/2026

๐—ช๐—ต๐—ผ ๐—”๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—ฌ๐—ผ๐˜‚ ๐—ก๐—ผ๐˜ ๐—ฅ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„๐—ถ๐—ป๐—ด ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ?

If you simply sign your renewal and carry on, everything stays exactly as it is. Itโ€™s quick, itโ€™s easy, and for the lender, itโ€™s ideal. But for you, it may mean missing the opportunity to secure a better rate, improve flexibility, or align your mortgage with your current goals.

A review doesnโ€™t mean you have to make a change, it simply means youโ€™re making an informed decision rather than a convenient one. And that small step can make a meaningful difference over time, especially as your circumstances and the market continue to shift.

๐—•๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐˜€๐—ถ๐—ด๐—ป, ๐˜๐—ฎ๐—ธ๐—ฒ ๐—ฎ ๐—บ๐—ผ๐—บ๐—ฒ๐—ป๐˜ ๐˜๐—ผ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜€๐˜‚๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ถ๐˜€ ๐˜€๐˜๐—ถ๐—น๐—น ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ฎ๐˜ƒ๐—ผ๐˜‚๐—ฟ. ๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฝ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ผ๐—ป.

The six-month window before your current deal expires is a crucial opportunity to explore your options, secure a great r...
14/05/2026

The six-month window before your current deal expires is a crucial opportunity to explore your options, secure a great rate, and avoid defaulting to your lenderโ€™s often higher standard variable rate.

Acting early gives you time to review the market, consider your financial goals, and lock in the best possible terms.

As your dedicated mortgage adviser, Iโ€™ll handle the research, paperwork, and strategy to ensure a smooth transition to your new deal.

Donโ€™t leave it to chance; letโ€™s get ahead of the game together. Contact me today to discuss your options.

๐—ฆ๐˜๐—ฒ๐˜ƒ๐—ฒ ๐——๐˜†๐˜€๐—ผ๐—ป - ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐— ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€ - ๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฝ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ผ๐—ป!

๐—ฆ๐—ต๐—ผ๐—ฟ๐˜-๐—ง๐—ฒ๐—ฟ๐—บ ๐—ง๐—ต๐—ถ๐—ป๐—ธ๐—ถ๐—ป๐—ด ๐˜ƒ๐˜€ ๐—Ÿ๐—ผ๐—ป๐—ด-๐—ง๐—ฒ๐—ฟ๐—บ ๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ดItโ€™s easy to focus on one question when it comes to mortgages: โ€œWhatโ€™s the best...
12/05/2026

๐—ฆ๐—ต๐—ผ๐—ฟ๐˜-๐—ง๐—ฒ๐—ฟ๐—บ ๐—ง๐—ต๐—ถ๐—ป๐—ธ๐—ถ๐—ป๐—ด ๐˜ƒ๐˜€ ๐—Ÿ๐—ผ๐—ป๐—ด-๐—ง๐—ฒ๐—ฟ๐—บ ๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด

Itโ€™s easy to focus on one question when it comes to mortgages: โ€œWhatโ€™s the best rate right now?โ€ But the better question is: โ€œWhatโ€™s the right plan over the next few years?โ€ The lowest rate today doesnโ€™t always lead to the best outcome long term, especially when flexibility and future changes come into play.

A mortgage should support where youโ€™re going, not just where you are today. Thatโ€™s why every recommendation I make is built around the bigger picture, not just the headline numberโ€”so you can move forward with confidence, knowing your mortgage still fits as life evolves.

If youโ€™re reviewing your options, letโ€™s look beyond the rate and build a plan that works for your future.

๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฝ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ผ๐—ป.

Address

81 High Street
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+447725720873

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