Mortgage Advice Dan May

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Mortgage Advice Dan May Senior Mortgage and Protection Specialist. Access to Whole of market lenders and 5* insurers.

16/04/2026

Changing jobs or having past credit issues doesn’t automatically mean a mortgage isn’t possible.
Lenders will look at factors such as income stability, employment history, and how recent or severe any credit issues are. Every case is assessed individually, and criteria can vary significantly between lenders.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

23/02/2026

📉 Buy-to-let mortgage rates from around 2.79% this morning
Some very competitive BTL fixed rates are currently available — a strong reminder that the investment lending market is shifting again.
If you’re:
🏡 Buying your next rental property
🔁 Looking to refinance an existing buy-to-let
📆 Coming to the end of a fixed deal
📊 Reviewing your portfolio profitability
…now could be a smart time to check your options.
As always, headline rates depend on loan-to-value, rental stress testing, property type, personal vs limited company structure, and overall lender criteria.
Want to know what rates you could actually secure?

⚠️ Rates subject to status, criteria, and availability.
⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

Struggling with bad credit? We’ve got your back.With rising costs and financial pressure, more people are facing credit ...
20/05/2025

Struggling with bad credit? We’ve got your back.

With rising costs and financial pressure, more people are facing credit file issues — and that shouldn't stop them from getting the mortgage they need.

At Property Finance Hub, we have access to all mortgage providers and some can consider: • Low or failed credit scores
• Defaults & CCJs
• Recent unsecured arrears
• Active DMPs
• Past IVA, DAS, or Bankruptcy (if cleared from your credit file)
• Telecom & insurance defaults? We ignore them.
• Utility defaults? We’ll overlook up to £250.

Finding a way forward — even when others say no.



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🎶 Musicians, artists, and those with multiple income streams – your hard work and talent deserve recognition! We underst...
13/05/2025

🎶 Musicians, artists, and those with multiple income streams – your hard work and talent deserve recognition! We understand that your earnings may come from various sources, and we can help you make the most of them.

✅ FCA-compliant advice for musicians, freelancers, and multi-income earners.
✅ Understand how your diverse income can be recognized for mortgage purposes.
✅ Tailored financial solutions for creative professionals.

Here to help with whole of market mortgage and protection advice. #£
20/01/2025

Here to help with whole of market mortgage and protection advice.

#£

Did you know you can use certain benefits toward your mortgage affordability? This might open doors to homeownership soo...
13/01/2025

Did you know you can use certain benefits toward your mortgage affordability? This might open doors to homeownership sooner than you think! The following benefits may be considered by some lenders:

• Adult Disability Payment
• Carer’s Allowance
• Child Benefit*
• Child Disability Payment
• Child Tax Credits
• Disability Living Allowance
• Disabled Person Tax Credits
• Employment and Support Allowance
• Incapacity Benefit
• Independent Living Fund
• Personal Independence Payment
• Reduced Earnings Allowance
• Universal Credit**
• War Disablement Pension
• Working & Family Tax Credit

Eligibility criteria and lender policies vary, so always check with a qualified mortgage advisor.


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Ready to turn those end-of-2024 goals into early-2025 homeownership wins? Whether you’re looking to refinance or buy you...
06/01/2025

Ready to turn those end-of-2024 goals into early-2025 homeownership wins? Whether you’re looking to refinance or buy your dream property, now’s the perfect time to get ahead. Here are a few steps to keep in mind:

1️⃣ **Review Your Credit**: Check your report and address any issues.
2️⃣ **Set a Budget**: Pin down a realistic monthly payment (don’t forget closing costs!).
3️⃣ **Get Pre-Approved**: Strengthen your negotiating power by knowing exactly what you can borrow.
4️⃣ **Stay Informed on Rates**: Interest rates can shift—keep track so you can lock in the best deal.
5️⃣ **Partner with a Pro**: Lean on a trusted mortgage professional for guidance.

A little preparation now sets you up for a smoother closing tomorrow!

*Comment below or DM if you have mortgage questions. Let’s make your 2025 homeownership dreams a reality.*

#2025

Merry Christmas to all my clients, family, and friends If you've decided to get into the Christmas spirit, let's see you...
19/12/2024

Merry Christmas to all my clients, family, and friends

If you've decided to get into the Christmas spirit, let's see your outfit

We may not be able to raise the battle cry, but we can certainly rally together to move forward toward your goals.We all...
09/12/2024

We may not be able to raise the battle cry, but we can certainly rally together to move forward toward your goals.

We all work hard for a reason. Whether it's securing a dream home, growing an investment portfolio, or simply building a foundation for the future, your journey deserves expert guidance.

Think of the steps to buying a property like raising a child—each stage has its challenges, but the rewards are immeasurable. While we can’t coach you through parenthood, we can guide you through the mortgage and insurance maze.

Whether you're a first-time buyer, a seasoned property investor, or a renovations guru, Property Finance Hub is here to champion your best interests. With access to the entire market and a commitment to doing what’s right, we're your partner in progress.

Let's take that next step together!

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Address

Luton

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 4pm

Telephone

+447592673279

Website

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