Ryan Taylor - The Finance Seer

24/08/2026

Not every mortgage application is straightforward, and that’s where I can really help.

I specialise in the more complex cases, including defaults, CCJs, missed payments, DMPs, IVAs and other adverse credit, as well as self-build mortgages.

I also help first-time buyers, home movers, remortgages and buy-to-let landlords.

As a whole-of-market adviser, I’ll look at your individual circumstances and search for the most suitable options available.

Get in touch for a free, no obligations chat about your situation and options.

20/08/2026

Dreaming of owning your home?

If you’re a council or housing association tenant, the Right to Buy scheme could make it possible!

✅ Buy your council home at a big discount
✅ Use your discount as a deposit in many cases
✅ Take your first step toward home ownership

Check out this guide for more information and to see if you’re eligible and start the process

https://www.gov.uk/right-to-buy-buying-your-council-home

If you want to explore if owning your council property is possible for you, drop me a message and we can arrange a no obligation chat.

13/08/2026

“My family have offered to help with my deposit. Can I actually use the money to buy a home?”

This is a question I hear regularly, particularly from first-time buyers.

The good news is that a gifted deposit can be a perfectly acceptable way of helping someone onto the property ladder.

This week, I helped a first-time buyer whose deposit was being gifted by both their parents and grandparents. That family support made a significant difference and helped them move forward with buying their first home sooner than they otherwise might have been able to.

Depending on the lender, gifted deposits can potentially come from parents, grandparents and other family members. The exact requirements vary, so it’s important to check the lender’s criteria.

You’ll normally need:

• Identification from the person gifting the money
• Evidence of where the money has come from
• Proof the funds are available
• A gifted deposit declaration confirming it’s a genuine gift

That last point is particularly important. The lender needs to be satisfied that the money is genuinely being gifted and isn’t a loan that you’ll be expected to repay.

For example, if a parent gives you £20,000 and doesn’t expect anything back, that’s a gifted deposit. If you’ve agreed to repay it over five years, that’s different and the lender needs to know.

It’s also important to be completely open about who is providing the money. In my recent client’s case, both parents and grandparents were contributing, so we made sure everything was clear from the outset.

A gifted deposit can make a huge difference to a first-time buyer, but getting the paperwork right from the beginning can make the mortgage process much smoother.

If your family have offered to help with your deposit, don’t assume you can’t use it. It’s worth checking your options before ruling yourself out of buying.

Have a mortgage question you’d like answered? Feel free to send me a message. I’m always happy to help.

10/08/2026

Pleased to announce that I will be sponsoring a Wombwell Town player this season! Up the Wellers!

⚽🔴 PLAYER SPONSOR ANNOUNCEMENT – STANLEY 🔴⚽

We’re delighted to announce Ryan Taylor – The Finance Seer as Stanley’s individual player sponsor for the 2026/27 season! 🙌

A massive thank you to Ryan for getting behind Stanley and supporting our Wombwell Town JFC U7’s. ❤️⚽

Ryan is a whole-of-market Mortgage & Protection Adviser, offering friendly, tailored advice across:

🏡 First-Time Buyers & Home Purchases
🔄 Remortgages
🏘️ Buy-to-Let & Holiday Let Mortgages
📈 Adverse Credit Mortgages
🏗️ Self-Build, Bridging & Commercial Finance
🛡️ Life Insurance, Critical Illness & Income Protection

Ryan offers a FREE, no-obligation consultation, so whether you’re looking to buy, move, remortgage or simply review your existing protection, please consider supporting the businesses and individuals who support our young players.

📱 Phone / WhatsApp: 07889 042104
📧 Email: [email protected]
📸 Instagram:
🔵 Facebook: Ryan Taylor – The Finance Seer

👏 Thank you Ryan for supporting Stanley and Wombwell Town JFC U7’s!

Supporting our players. Supporting grassroots football. Supporting local business. ❤️⚽

06/08/2026

If you’re thinking about purchasing your first home then now’s a good time to book a free first time buyer consultation with me for a no obligations chat about the process, what you can afford and the documents you’ll need to be mortgage ready.

Send me a DM to arrange yours today.

30/07/2026

One of the questions I’m asked quite regularly is whether it’s possible to get a mortgage if you’re living and working in the UK on a visa.

The answer is yes. While the options can be different to someone with indefinite leave to remain or British citizenship, there are lenders who are happy to consider applications from foreign nationals, including those on Skilled Worker visas.

This week, I had the pleasure of helping a first-time buyer on a Skilled Worker visa secure a mortgage to purchase her first home.

Like many buyers in a similar position, she wasn’t sure whether her visa status would make getting a mortgage difficult. Once we reviewed her circumstances, income and deposit, we were able to identify lenders whose criteria suited her situation and guide her through the process from start to finish.

Every lender has different requirements. Some may ask for a larger deposit, while others consider factors such as how long you’ve been in the UK or how much time remains on your visa.

That’s why it’s so important not to assume you’ll be declined simply because one lender says no, or because you’ve heard that getting a mortgage on a visa is impossible.

As a whole-of-market mortgage broker, my job is to understand the different criteria across a wide range of lenders and help find the most suitable option for your circumstances.

If you’re living and working in the UK on a visa and you’re wondering whether buying a home is possible, I’d be happy to have an informal conversation about your options.

28/07/2026

Whether you’re buying your first home, moving house, remortgaging, investing in a buy-to-let or you’ve been told “no” because of your credit history, I’m here to help.

As a whole of market mortgage and protection broker, I can search a wide range of lenders to find a solution that’s right for you. I also provide advice on life insurance, critical illness cover and income protection to help protect what matters most.

If you’re not sure where to start, why not book a FREE, no obligation chat? Even if you’re just exploring your options, I’m always happy to help.

24/07/2026

My clients know me too well 🍺

Many thanks to Jordan and Shannen for their kind gift! It’s great to hear that you’re enjoying your new home and it was a pleasure supporting you both!

20/07/2026

Many people think the only way to fund a major expense is through savings or a personal loan. That’s not always the case.

If your property has increased in value, or you’ve paid down a significant part of your mortgage, you may have built up equity in your home. Subject to affordability and lender criteria, you may be able to borrow against that equity by remortgaging.

Homeowners choose to do this for a variety of reasons. Some want to renovate their home, add an extension or update a kitchen. Others use it to consolidate existing borrowing, help a child with a house deposit or fund another significant life event.

I recently spoke with a homeowner who wanted to extend their property but assumed they would need to save for several more years before they could afford it. After reviewing their mortgage and the current value of their home, we found they had built up enough equity to raise the funds they needed through a remortgage, with repayments that fitted comfortably within their budget.

Borrowing against the equity in your home can be a sensible solution, but it isn’t always the right one. You’re increasing the amount secured against your property, so it’s important to understand how this affects your monthly payments, the overall cost of borrowing and whether there are alternative options worth considering.

Every situation is different, which is why advice tailored to your circumstances is so important. What works well for one homeowner may not be the best option for another.

If you’re wondering how much equity you’ve built up, or whether remortgaging could help you achieve your plans, I’d be happy to talk you through your options.

16/07/2026

Many people assume life insurance comes as part of a mortgage. It doesn’t.

One of the biggest misconceptions I come across is that life insurance is a requirement when you take out a mortgage. In most cases, it isn’t.

The insurance your mortgage lender will usually require is buildings insurance, as they want to make sure the property they are lending against is protected. Life insurance, however, is entirely your choice.

So why do so many homeowners decide to have it?
For most people, it’s about protecting the people they leave behind.

Imagine you’ve bought your first home with your partner. If one of you were to pass away unexpectedly, would the other be able to keep up with the mortgage and household bills on a single income?

Life insurance is designed to provide a lump sum that could help repay the mortgage, reduce financial pressure and give your family one less thing to worry about during an incredibly difficult time.

I recently spoke with a couple who had just completed on their first home. They were focused on getting the keys, decorating and settling in, and hadn’t really thought about protection.

Once we talked through what would happen financially if one of them died, they realised it wasn’t about expecting the worst. It was about making sure the surviving partner had choices instead of facing additional financial pressure at an already difficult time.

Life insurance isn’t the right solution for everyone, and the amount of cover you need will depend on your circumstances, your family and your financial commitments. That’s why it’s worth having a conversation about your options rather than assuming a standard policy is right for you.

If you’re unsure whether life insurance is right for you, or you’d like to understand the different types of protection available, feel free to get in touch for a chat.