Dan Dan the Mortgage Man

09/05/2026

How do you unwind?

30/03/2026

You can book a meeting here: https://f.mtr.cool/likkboxkrj

29/03/2026

Are You Looking in a UK Housing Hotspot?

15/03/2026

11/03/2026

Many people assume they can’t get protection because of their medical history.

I hear this quite often.

Someone will say something like:
“I’ve got a pre-existing condition, so I didn’t think insurance was an option.”

But it’s not always that straightforward.

There are policies designed specifically for people who might struggle to get traditional cover.

For example, some plans can provide up to £1,500 per month towards your mortgage payments if you’re unable to work.

Depending on the option chosen, cover can last for 12 or 24 months.

And the application process can be much simpler than people expect.

For example:

• A Core option that covers accidents only with no medical underwriting
• An Essential option that covers accident and illness with just five health questions

So even if you’ve previously assumed your medical history rules you out, it may still be worth exploring what’s available.

Having some protection in place can make a real difference if your income suddenly stops.

If you’d like to find out what options might be available in your situation, you can book a conversation here:
👉 https://veganmortgageadviser.co.uk/appointment

**This post is for general information only and is not mortgage or protection advice. Your home may be repossessed if you do not keep up repayments on your mortgage.**

10/03/2026

Most self-employed people insure their tools, equipment or premises.

But many overlook one of the biggest risks to their business.

Research suggests UK businesses are 67% more likely to experience a cyber incident than physical theft.

And yet cyber protection is still something many small businesses don’t review.

A cyber attack can mean:
• systems locked
• client data exposed
• operations disrupted
• revenue suddenly stopping

For a small business, even a short interruption can hurt.

If you run your own business, it might be worth asking:

Is your business protected against cyber risk, or just physical risks?

If you’d like an introduction to a specialist who can review your business insurance properly, you can book here:
👉 https://veganmortgageadviser.co.uk/appointment

**This post is for general information only and is not insurance, mortgage or protection advice. Your home may be repossessed if you do not keep up repayments on your mortgage.**

09/03/2026

A recent case reminded me how different real-life circumstances can look compared to what most mortgage checklists expect.

The clients were a married couple.

• Husband: foreign national
• Wife: British passport holder
• Previously living outside the UK while supporting a family-run business overseas
• Moving back and forth between countries for several years

From a lender’s perspective, this created several challenges.

For the last two tax years there had been no employment income declared on their tax returns.

The only income showing was “Profit from UK Land and Property.”

At the same time:

• The husband had only been employed in the UK for one month
• The wife had been in employment for seven months

Their goal wasn’t to buy their first property.

They already owned investment properties and wanted to raise capital to expand their portfolio further.

Situations like this often get dismissed quickly because they don’t fit the typical profile lenders expect.

But in reality, lenders assess more than just the simplest version of income history.

The key considerations were:

• Their existing property portfolio
• Demonstrable rental income
• Future investment strategy
• Residency and employment position now they are back in the UK

With the right lender and a clear explanation of the circumstances, we were able to arrange buy-to-let mortgages on two properties, allowing them to continue building their portfolio.

08/03/2026

What would you do if your income suddenly stopped?

It’s something I ask people from time to time, and it often makes them pause.

Not because they’ve done anything wrong.
Just because it’s not something most of us ever sit down and think about properly.

Your mortgage or rent.
The food shop.
Energy bills.
All the normal things that quietly depend on money coming in every month.

If illness or an accident meant you couldn’t work for a while, how would things keep going?

Most people I speak to haven’t really tested that scenario. Life just moves forward and we assume everything will carry on as normal.

But income is the thing that supports everything else.

That’s why protection isn’t really about expecting something bad to happen.
It’s about knowing that if life throws something unexpected your way, the finances don’t immediately become another problem to deal with.

Out of curiosity, have you ever actually worked out how long things would feel comfortable if your income stopped for a while?

If you’d like to have a relaxed conversation about how people usually protect themselves against that risk, you can book a call here:
👉 https://veganmortgageadviser.co.uk/appointment

**This post is for general information only and is not mortgage or protection advice. Your home may be repossessed if you do not keep up repayments on your mortgage.**

03/03/2026

Did you know some lenders will allow a purchase with £0 cash deposit?

That usually surprises people.

But it doesn’t mean there’s no security involved.

In certain family-assisted arrangements, instead of providing a cash deposit, a parent or grandparent can allow the lender to place a charge against their property.

In simple terms:

• The buyer purchases with no cash deposit
• The lender takes additional security
• The family member’s property supports the risk

This can help first-time buyers who:

• Have affordability
• Have family support
• But haven’t built up savings yet

It isn’t suitable for everyone.

The supporting family member is taking on risk.
Independent legal advice is essential.
And the structure needs to be understood properly.

But it does show something important:

There are more options than people realise.

Most buyers assume “no deposit” automatically means “no chance”.

That isn’t always true.

Would you ever consider a family-assisted arrangement like this?
Or does the idea of linking properties feel too uncomfortable?

If you’d like to explore what’s possible based on your own circumstances, you can book here:
👉 https://veganmortgageadviser.co.uk/appointment

**This post is for general information only and is not mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage.**