Matthew Braithwait Cert CII MP - Mortgage Adviser at Harvest Associates Ltd

Home
United Kingdom
Rotherham
Matthew Braithwait Cert CII MP - Mortgage Adviser at Harvest Associates Ltd

Mortgage and Protection adviser https://www.vouchedfor.co.uk/mortgage-advisor/chesterfield/033852-matthew-braithwait
(1)

04/09/2026

"I'll need 20% saved before anyone will even look at me."

This is the one that stops more first time buyers than anything else, so let's clear it up.

The 20% deposit idea is a leftover from years ago. For most first time buyers today it looks very different:

• Plenty of lenders work with a 5% deposit, and some schemes go lower still. • A family member can gift you the deposit if they're in a position to help. • What you can borrow usually comes down to your income and how you manage money, not one giant number sitting in your savings.

I'll be straight with you: the smaller the deposit, the more the rest of your situation has to stack up, and it won't be right for everyone. But "20% or nothing" puts far too many good buyers off before they've even asked the question.

If you're in Doncaster or round about and you've written off buying because of the deposit, it may be a lot closer than you've been told. Comment or message the page MORTGAGE and I'll tell you honestly where you stand. The first chat's free.

Matt

Your home may be repossessed if you do not keep up your mortgage repayments.

31/08/2026

I've recently helped a client who was extremely worried they'd have to sell their home that they'd spent time and money making their own and making memories in. They were on an interest only mortgage with five years left to run and no plan in place for repaying the capital at the end. The clock was ticking, and selling the home felt like the only way out, but it wasn't! 🏡

We've remortgaged the property onto a standard repayment mortgage, so now they're paying down what they owe rather than just covering the interest. We stretched the term out a bit to bring the monthly payments down, and the worry about having to sell has gone.

I'll be upfront: a longer term means paying for longer, and it won't be the right answer for everyone. But for this client, keeping their home beat the alternative hands down.

If you're on interest only and quietly dreading what happens when it ends, don't sit on it. The sooner we look, the more options you'll have. Comment or message the page MORTGAGE and I'll tell you honestly where you stand. The chat's free.

Matt

Your home may be repossessed if you do not keep up your mortgage repayments.

28/08/2026

Right, Ask Me Anything time 🙋

Buying your first home is full of stuff nobody explains properly.

So, whatever you've been wondering about and never asked, deposits, credit, schemes, whether you'd even get accepted, what the process actually looks like, drop it in the comments today and I'll get back to everyone as soon as I can!

No such thing as a daft question... Ask away 👇 Matt

26/08/2026

"We're self-employed, so no one will lend to us, or it'll just be too difficult." 🏡

This phrase is common, unfortunately, and it stops a lot of good people from even asking the question!

If you're self-employed, sole trader, limited company director, freelancer, contractor, you can absolutely get a mortgage. There are solutions designed specifically for people in your position. – Some lenders will consider you with just 12 months of accounts, others want 2 years – Some go off your net profit, some off salary plus dividends, some off your day rate – Which is exactly why one rejection from one lender tells you nothing about the wider market 🏡

Yes, it's a bit more paperwork, tax documents (SA302s), accountant references, business bank statements. But "a bit more paperwork" and "impossible" are not the same thing.

If you're self-employed and you've been assuming you'll have to wait YEARS before buying, please don't. You probably already qualify for something. DM me SELF-EMPLOYED and I'll take a proper look. Matt

Your home may be repossessed if you do not keep up repayments on your mortgage.

24/08/2026

No two weeks in this job look the same.

A few of the things I've sorted for people recently:

Moved a client off an interest only mortgage onto a standard repayment one, so they're chipping away at what they owe instead of standing still.
Remortgaged someone and borrowed a bit extra on top, so they could clear their Help to Buy equity loan in one go.

Got a first time buyer accepted on a £5,000 deposit mortgage. 🔑

Different situations, same theme running through them: options people didn't realise they had.

If any of these sound like where you're at, whether you're stuck on interest only, trying to work out what to do about a Help to Buy loan, or a first timer with a small deposit, drop a comment or message the page MORTGAGE and I'll tell you honestly where you stand. The chat's free.

Matt

Your home may be repossessed if you do not keep up your mortgage repayments.

21/08/2026

A lot of people tell me they "can't afford to buy", while paying £700, £800, sometimes more in rent every month.

So, no wrong answers: what are you paying in rent right now, and do you THINK a mortgage would cost you more or less?

Comment your guess below and I'll give you some rough estimates! Matt 😊

19/08/2026

"My mum and dad said they'd help with a deposit… but I don't want to do anything that messes up the mortgage." 🏡

This situation surprisingly comes up constantly, so let's clear it up!

A gifted deposit from a close family member is completely allowed, and it's far more common than people think. It won't ruin your application. There's a bit of paperwork involved, the lender will want it confirmed as a genuine gift and not a loan, but that's it. Normal path! 💰

"a bit of paperwork" and "not allowed" are not the same thing, and a lot of buyers have been treating them like they are.

So if someone in your family has offered to help and you've been sat on it because you weren't sure it was allowed, it is. That could be the thing that gets you over the line years earlier than you thought. 😊

Want me to explain how it works in more detail? DM me GIFT and I'll help as much as I can!

Matt 😊

Your home may be repossessed if you do not keep up repayments on your mortgage.

10/08/2026

"My mum and dad said they'd help with a deposit… but I don't want to do anything that messes up the mortgage."

This situation surprisingly comes up constantly, so let's clear it up!

A gifted deposit from a close family member is completely allowed, and it's far more common than people think. It won't ruin your application. There's a bit of paperwork involved, the lender will want it confirmed as a genuine gift and not a loan, but that's it. Normal path! 😊

"a bit of paperwork" and "not allowed" are not the same thing, and a lot of buyers have been treating them like they are.

So if someone in your family has offered to help and you've been sat on it because you weren't sure it was allowed, it is. That could be the thing that gets you over the line years earlier than you thought.

Want me to explain how it works in more detail? DM me GIFT and I'll help as much as I can! Matt 🏡

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Rotherham

Telephone

+447990647326

Website

https://linktr.ee/mortgagematt84

Alerts

Be the first to know and let us send you an email when Matthew Braithwait Cert CII MP - Mortgage Adviser at Harvest Associates Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Matthew Braithwait Cert CII MP - Mortgage Adviser at Harvest Associates Ltd:

Want your business to be the top-listed Finance Company in Rotherham?