The Mortgage Store - Daniel Mullen

10/06/2026

People think mortgage advisers just fill in paperwork. In reality, I:

✅ Match you to the right lender for your circumstances
✅ Navigate complex income/criteria situations (self-employed, contractors, age etc.)
✅ Protect your credit score by knowing which lenders to apply to ✅ Save you time, stress, and often money
✅ Stay with you from application to completion

Get in touch if you're considering a move, or looking to remortgage within the next 6 months.

08/06/2026

Is now a good time to buy in West Yorkshire? Here's the local picture.

WEST YORKSHIRE PROPERTY PRICES
Detached: £401,518
Semi-detached: £240,195
Terraced: £174,646

Prices here are still around 11% below the UK average — making this one of England's most affordable regions to get on the ladder.

WHAT ABOUT MORTGAGES?
Rates rose after the Iran conflict in February, but lenders are now actively cutting deals. The Bank of England base rate sits at 3.75%, and competitive fixed-rate options are available — meaning your monthly payments could be more manageable than you think.

For many buyers in West Yorkshire, a monthly mortgage payment can work out cheaper than renting the same property.

THE OPPORTUNITY
Softer prices + more homes for sale than any year since 2015 = less competition and more negotiating power.

Thinking of making a move? Get in touch and let's work out the next steps.

01/06/2026

As ever, totally fee free mortgage and insurance advise, working around your schedule.

Secondly, i've just popped my house on the market if anybody's looking to buy imminently, or you know somebody that is, by all means share/tag for anybody that it may be of interest too.

3 bedroom detached house for sale in Jester Cottage, Queensbury, BD13 for £375,000. Marketed by eXp UK, Yorkshire and The Humber

18/02/2026

🚫 5 Common Mortgage Myths

There’s so much misinformation around mortgage applications in the UK — and it can get very confusing.

Let’s bust the biggest ones:

1️⃣ “I need a 10%+ deposit to buy.”
Not necessarily. While many people assume they need 10% or more, some buyers can purchase with as little as a £5,000 deposit — and in certain circumstances, even 0% deposit options are available. It depends on your situation and the lender.

2️⃣ “My bank will give me the best deal.”
Your bank can only offer their products. As a broker, I can access a wide range of lenders — including high street banks and specialist lenders — to find something that fits your circumstances.

3️⃣ “Checking my credit score will damage it.”
Checking your own credit report doesn’t hurt your score. In fact, it helps you prepare properly before applying.

4️⃣ “I’m self-employed, so I won’t get approved.”
Not true. Many lenders are very comfortable with self-employed applicants. You’ll usually need 1–2 years of accounts or SA302s, and the right lender choice makes all the difference.

5️⃣ “I’ve been declined before, so that’s it.”
A decline isn’t the end. It often just means you were matched with the wrong lender. Criteria varies massively across the market.

💬 Thinking of buying this year but unsure where you stand?

I offer a free, no-obligation mortgage service where I’ll tell you:

How much you could potentially borrow

What deposit you’d realistically need

What your monthly payments may look like

And what steps to take next

No pressure. Just clear advice.

02/02/2026

Time to sack last years marketing manager....3 posts all year including a happy new year one! 🫣...must do better this year....at least 4 posts!

None the less, as ever, totally fee free mortgage and insurance advice. Whole of market and 100% flexible with days/times to work around your schedule and lifestyle.

10 years + experience on all things mortgages, inc specialist new build firms/estate agents/auction properties and probably anything else you can think of.

Get in touch and by all means pass my details to any friends/family.

Thanks,

Dan

23/10/2025

Overpaying your mortgage by just £50/month could save you years of payments. Small actions, big impact.

20/01/2025

🚨 Important Stamp Duty Changes Coming in April 2025! 🚨

From April 1, 2025, the Stamp Duty Land Tax (SDLT) thresholds are changing, meaning higher costs for many buyers.
If you're looking to buy then, if you want to avoid these changes, you'll have to start the process ASAP. If you're currently in a purchase then, the solicitor will already be aware, but ensure that target date is hit.

🏡 Key Changes:
✅ The nil-rate threshold drops from £250K to £125K
✅ First-time buyers lose relief above £300K
✅ More buyers will pay higher SDLT

Thinking of buying? Act now to secure lower rates! 💰🏡

Still totally fee free mortgage and insurance advice so do get in touch with any queries.

02/01/2025

Happy new year to all!

So, new year, new me 🙈, I'm going to try and improve my social media usage this year as there was a serious lack of posts this last year.

As ever, totally fee free service. Mortgage and insurance (life/critical illness/income protection). Can access all lenders/providers.

If you're looking at buying, now's often a great time to do it as boxing day usually has a large influx of new properties/reductions on existing properties.

Remortgages, still look around 6 months before the current mortgage expires, but the hope and expectation would be that we'll be able to reduce the rate as interest rates decrease (if things go as predicted, if not, at least we've got a worst case scenario product secured!)

Any questions do get in touch and I'll try and keep some posts coming.

13/08/2024

A big happy 1st birthday to my number one little boy!

Always full of smiles to brighten the day!

(....totally free mortgage and insurance advice as ever so do get in touch if needed. The base rate dropped last week by 0.25% so plenty of lenders also reducing rates....albeit not as quickly as we'd like, but progress is progress!))

04/06/2024

Lovely little thank you card from a customer a few days ago to top off a very busy end to May!

Rates are still very much fluctuating but if you secure a rate now and better is available before completion/at the end of your current product on a remortgage, you can still move to the lower rate.

All eyes on the euro financing rate on Thursday 6th June to give us likely indication on what rates in the UK may do next!

- Still totally fee free.
- Whole of market.
- Work timings/appointments around your schedule day/night/weekend.
- home or telephone appointments available.