Stephen Dumont One Dome

11/11/2025

25/08/2025

tax return

22/08/2025

No shame, it's a luxury not every one gets! But make sure that lenders can see where your deposits are coming from.. and that it's not just cash stashed under the mattress 👀

21/08/2025

We all know the market can be quite unpredictable... but don't wait too long👀

20/08/2025

I know I make it look easy guys.. but sometimes an extra helping hand is needed with all these big cases... 😅😅

19/08/2025

Make sure you're checking that your mortgage advisor is whole-of-market so you can get the best deal possible!

As you may have seen recently, not everyone (cough cough, some estate agent mortgage advisors) has access to every lender on the market!!

Make sure you do your research, as finding the right mortgage advisor can be just as important as finding the right home!

14/08/2025

When 2+2=7?! Something doesn't add up mate😅

There are so many things lenders take into consideration when looking at your affordability.
It's not all about your take home pay..

➡️ Love spending your Friday nights in the bookies?
➡️ Credit card addiction?
➡️ Is your Range Rover ran through the business? Or is it a personal expense?

A good accountant, coupled with an on the ball mortgage advisor, can help you shape your end of year accounts, to make sure there are no nasty suprises when you start house hunting..

13/08/2025

Hope it was a pretty sofa at least.. 😒

Taking out finance can have two big impacts during the mortgage application process.

1. Affordability - this additional monthly expense can reduce the amount you're able to borrow.

2. Credit profile - searches and changes to your credit profile can have an impact on your credit score, meaning you may not pass the lenders credit checks

STAY SMART!

12/08/2025

Pro tip: lenders love stability… not “netflix, spotify, and a mysterious weekly £40 to big dave.” 👀

11/08/2025

checking affordability is fun… until you accidentally check the state of their relationship 😳
me, sipping monster: “yep… definitely some questionable spending here” 😅

Did you know that *SOME* subscriptions could be harming your affordability? 👀 Get your bank statements in order at least 3 months before applying for your mortgage!!!

08/08/2025

Bad credit crushing your dreams?🤔

Missed payments, defaults, ccjs, ivas... yeah, they’re not fun to talk about, but they don’t always mean game over.

THERE IS LIGHT AT THE END OF THE TUNNEL!!

There are still lenders out there that will approve a mortgage application, depending on your credit score.

Why is it so important to speak to a whole-of-market mortgage advisor?

➡️ Access to a wide range of lenders, including those who accept adverse credit
➡️ Know which lenders are more flexible with credit history
➡️ Save you time (and stress) by narrowing down the right options for your circumstances
➡️ Find deals that aren’t available directly to the public

Ultimately, we shop around for the best deal possible for your circumstance ..Because your credit history shouldn't define your future👊