Muuvin

Muuvin Helping first-time buyers, movers, and anyone who's been told 'no'. Founder of Muuvin, Award-winning Mortgage & Protection Adviser.

Top 3 Mortgage Adviser in the UK (Unbiased). From first keys to declined cases — I’ve got your back, North east based

03/06/2026

Did you know that each mortgage lender has their own definition of a first time buyer?

You may qualify for the first time buyer incentives, even if you have owned a property before...

For example, Nationwide have an income boost to help first time buyers borrow more.

Except they treat you as a first time buyer if you havent had a mortgage in the last 3 years.

Some lenders treat you as first time buyers if you haven't owned a property within the last 12 months.

01/06/2026

Did you know that buying a new build property is a different process to buying an open market property?

These are some of the common points to check before reserving the property and applying for your mortgage.

✅ - Does the lender accept the amount you have for a deposit? Some lenders who accept a 5% deposit on open market properties will want a 10% deposit for new builds.

✅ - Will the product you have applied for be available at the anticipated build date?
Products have dates whereby you must complete before in order to secure the product - this is not the same as a mortgage offer date

✅ - Will the mortgage offer last? Theres no point applying for a mortgage that only lasts 6 months if the property isn't going to be ready for 9 months. Some lenders have special rules for new builds to give more time but some lenders don't

✅ - Does the lender accept the incentives you have been offered? There are rules around the type of incentives that can be provided and this can impact the lenders decision to lend.

✅ - Will you get the rate you have seen online? Some lenders have special products for new builds and the rates showing online are for open market.

Purchasing a new build property can get intense. In the heat of the moment you may make rash decisions in fear of losing the property. Such as paying for a more expensive mortgage because the product isn't available for new builds.

At Muuvin we are one of the only brokers in the North East, independent to all builders, to be approved onto the Own New Scheme.

What a nice way to end the week! These reactions are what make the job worthwhile.This was a difficult case to get over...
29/05/2026

What a nice way to end the week!

These reactions are what make the job worthwhile.

This was a difficult case to get over the line but we managed to in the end.

Enjoy the weekend

In April, 300 places were offered to brokers across the UK for a fully funded scholarship to take part in the Green Fina...
27/05/2026

In April, 300 places were offered to brokers across the UK for a fully funded scholarship to take part in the Green Finance Institute’s newly developed Certificate in Financing Greener Homes, delivered in partnership with Lloyds Banking Group.

Last week I found out I was successful and have been offered a place onto the course.

This comes alongside another top rated adviser award from Vouchedfor and being listed in the top rated adviser guide featured in the Times.

18/05/2026

Following on from last week the issue seems to be resolved

Once the investigation is complete I can provide a full update. At the moment what I can say is that an apology will be issued in due course from the company in question.

Furthermore I would like to say that I can guarantee like for like quoting for any new life insurance, critical illness cover and income protection offered from MAB.

Not just a promise to match the price, I can guarantee a cheaper price than what MAB offers as standard.

Thank you for the support

Dan

14/05/2026

URGENT NOTICE

I have been made aware of emails circulating from MAB impersonating myself. This issue is being investigated as I have not sent an email chain out. I have also been made aware of the same company cold calling clients in an attempt to solicit business. This company does not represent myself, I have never been associated with them in my life.

Cold Calling is against the law in mortgage advice and we will never cold call you.

Please reach out to me on [email protected] and or call me on 07498228660 if you receive any contact from this firm.

Once the investigation is finalised I can provide further updates.

Thank you to the clients who have already made me aware of this.

29/04/2026

Thinking of Muuvin home?

These are 2 of the biggest mistakes that people make

1). Assuming they have to put all of the current equity into the new property. This is incorrect. You can choose how much deposit to put down. You pocket the rest.

2). Assuming 5% deposits are ONLY for first time buyers. This isn't the case. A lot of home movers don't realise this and it can make a difference.

I recently had a client relocate and one of the main reasons was being able to put down the 5% deposit instead of the 10% they believed was a minimum requirement. This allowed them to free up some capital.

Moving home is a big decision and sometimes the small details matter.

If in doubt seek advice.

28/04/2026

Interest rates are starting to stabilise and some are coming down.

They are still way above where they were at the start of March but it’s a positive sign.

The last few weeks we have been busy helping buyers get onto the ladder and a recent highlight is managing to negotiate on behalf of a client a £5,000 incentive voucher to spend on their new build.

We act on your behalf and put your interests above the interests of builders and estate agent.

15/04/2026

A client had trusted their bank to provide them with most competitive Buildings and Contents insurance policy and were paying around £39 per month. They had left this every year to auto renew for the last 5 years.

For a like for like policy I was able to reduce this down to £15pm.

Almost £300 saved.

Muuvin does not charge any fees on Protection advice or Home insurance advice.

20/03/2026

Mortgage Update

The Bank of England kept the base rate at 3.75%

Whilst on the face of it this may seem like good news. It isn't.

The market predicted a reduction in the base rate at the start of the month. Today and into next week will continue to see interest rates increasing at the competitive end of the market.

Another issue that can happen is lenders increase rates to price themselves out of the market. They often do this when service levels drop. This can be caused by huge increases in mortgage applications. This happens when the entire UK is trying to secure competitive deals before the are increased.

This happened with the mini budget a few years ago.

Please take action if you have an interest rate due too expire within the next 6 months.

Address

Newcastle Upon Tyne

Telephone

+447498228660

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