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Steve Dyson - Independent Mortgage Matters

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Steve Dyson - Independent Mortgage Matters

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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.

29/10/2026

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗼𝗳 𝘆𝗼𝘂𝗿 𝘃𝗮𝗿𝗶𝗮𝗯𝗹𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 𝘄𝗶𝗹𝗹 𝗮 𝗹𝗲𝗻𝗱𝗲𝗿 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘂𝘀𝗲?

The answer can vary significantly from one lender to another.

Depending on the type of income, how regularly you receive it and the lender’s individual criteria, they may use all of it or only a proportion when assessing affordability.

That difference matters, particularly if overtime, bonuses or commission make up a significant part of what you earn.

It’s another reason why choosing the right lender isn’t simply about finding a competitive rate. It’s about finding a lender whose criteria fit the way you actually earn your money.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

27/10/2026

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, I’ll help you understand what those numbers mean for your overall affordability, guide you through your options, and ensure you’re on the best path based on your goals and circumstances.

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

Click the link below to begin your journey.

𝗦𝘁𝗲𝘃𝗲 𝗗𝘆𝘀𝗼𝗻 - 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝘁𝘁𝗲𝗿𝘀 - 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

22/10/2026

𝗩𝗮𝗿𝗶𝗮𝗯𝗹𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 𝗰𝗮𝗻 𝗰𝗼𝗺𝗲 𝗶𝗻 𝗺𝗮𝗻𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗳𝗼𝗿𝗺𝘀.

For some people it might be overtime, bonuses or commission. For others it could be tips, freelance work, rental income, royalties or seasonal earnings.

The important thing is that lenders may assess each type differently.

Some income may need to be shown over a certain period, some may be averaged, and some lenders may be more flexible than others depending on how consistent and provable it is.

That’s why understanding exactly where your income comes from is such an important part of the mortgage process.

The more accurate the picture, the better we can assess the options available to you.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

20/10/2026

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, I’ll help you understand what those numbers mean for your overall affordability, guide you through your options, and ensure you’re on the best path based on your goals and circumstances.

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

Click Learn More below to begin your journey.

𝗦𝘁𝗲𝘃𝗲 𝗗𝘆𝘀𝗼𝗻 - 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝘁𝘁𝗲𝗿𝘀 - 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

15/10/2026

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 lender’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, I’ll handle the research, paperwork, and strategy to ensure a smooth transition to your new deal.

Don’t leave it to chance; let’s get ahead of the game together. Contact me today to discuss your options.

𝗦𝘁𝗲𝘃𝗲 𝗗𝘆𝘀𝗼𝗻 - 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝘁𝘁𝗲𝗿𝘀 - 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

13/10/2026

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗼𝘃𝗲𝗿𝘁𝗶𝗺𝗲, 𝗯𝗼𝗻𝘂𝘀𝗲𝘀 𝗮𝗻𝗱 𝗰𝗼𝗺𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝗮𝗿𝗲 𝘂𝘀𝘂𝗮𝗹𝗹𝘆 𝗰𝗹𝗮𝘀𝘀𝗲𝗱 𝗮𝘀 𝘃𝗮𝗿𝗶𝗮𝗯𝗹𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗮𝗽𝗽𝗹𝘆 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

A lot of people don’t realise this, because it’s still part of what they earn. But lenders can assess this type of income differently from your basic salary.

Some may look at how regularly you receive it, how long you’ve been earning it and what evidence is available before deciding how much of it they can use.

That’s why it’s important to understand the full make-up of your income before working out your mortgage options.

If overtime, bonuses or commission make up a regular part of your pay, it could be worth having a closer look at how a lender may treat it.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

06/10/2026

𝗬𝗼𝘂𝗿 𝗯𝗮𝘀𝗶𝗰 𝘀𝗮𝗹𝗮𝗿𝘆 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘁𝗲𝗹𝗹 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝘀𝘁𝗼𝗿𝘆.

If you regularly earn overtime, commission, bonuses, shift allowances or other variable income, it could make a difference when it comes to how much you may be able to borrow.

The important part is getting the numbers right.

Different lenders can treat variable income differently, and they may also have different requirements around how long you’ve been receiving it and what evidence they need.

That’s why I take the time to understand the full make-up of your income before looking at your mortgage options. An accurate picture from the outset means we can approach the right lenders with the right figures.

If your earnings vary from month to month and you’d like to understand how they could be considered for a mortgage, get in touch.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

01/10/2026

𝗪𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝗶𝘁’𝘀 𝗻𝗼𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝗮𝘀 𝘀𝗶𝗺𝗽𝗹𝗲 𝗮𝘀 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝘁 𝘆𝗼𝘂𝗿 𝗯𝗮𝘀𝗶𝗰 𝘀𝗮𝗹𝗮𝗿𝘆.

Overtime, bonuses, commission, shift allowances and other variable income can all form an important part of what you earn. But different lenders can assess that income in different ways.

That’s why understanding the full make-up of your income is so important.

Before looking at how much you could potentially borrow, I take the time to understand exactly how you’re paid and what income can be evidenced. This helps us work with accurate numbers from the outset and identify lenders whose criteria suit your circumstances.

The more accurate the information at the start, the better informed your mortgage options can be.

If your income isn’t just a straightforward basic salary and you’d like to understand how lenders may view it, get in touch.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

29/09/2026

𝗢𝗻𝗰𝗲 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮𝗻 𝗔𝗴𝗿𝗲𝗲𝗺𝗲𝗻𝘁 𝗶𝗻 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗹𝗲, 𝘁𝗵𝗲 𝗲𝘅𝗰𝗶𝘁𝗶𝗻𝗴 𝗽𝗮𝗿𝘁 𝗰𝗮𝗻 𝗿𝗲𝗮𝗹𝗹𝘆 𝗯𝗲𝗴𝗶𝗻 — 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗵𝗼𝗺𝗲.

Having an idea of how much you may be able to borrow can help you focus your property search on a realistic budget and give you greater confidence when arranging viewings or making an offer.

It’s worth remembering that an Agreement in Principle isn’t a formal mortgage offer. Once you find a property and have an offer accepted, we’ll move on to the full mortgage application, where the lender will assess your circumstances in more detail and consider the property too.

I’ll be there to guide you through that next stage, helping with the paperwork, dealing with the lender and making sure things keep moving.

So while you concentrate on finding the right home, I can concentrate on the mortgage.

𝗦𝘁𝗲𝘃𝗲 𝗗𝘆𝘀𝗼𝗻
𝗜𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝘁𝘁𝗲𝗿𝘀
𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗮𝗱𝘃𝗶𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝗼𝗻!

Address

81 High Street
Lewes
BN71XN

Opening Hours

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

Telephone

+447725720873

Website

http://www.stevedyson.co.uk/

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