O'Hara Financial

O'Hara Financial O'Hara Financial is a trading style of Simpli Financial Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FCA).

Our Financial Services Register number is 726327.

Most of my clients come to me with a simple question: "๐˜‹๐˜ฐ ๐˜บ๐˜ฐ๐˜ถ ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜ฌ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ช๐˜ด ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ช๐˜ฃ๐˜ญ๐˜ฆ ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฆ?"From that first chat, right...
19/02/2026

Most of my clients come to me with a simple question: "๐˜‹๐˜ฐ ๐˜บ๐˜ฐ๐˜ถ ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜ฌ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ช๐˜ด ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ช๐˜ฃ๐˜ญ๐˜ฆ ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฆ?"

From that first chat, right the way through to being handed the keys, Iโ€™m there every step of the way - making the application, offer and completion processes as stress-free as possible.

๐—ก๐—ผ ๐—ต๐—ฎ๐—ป๐—ฑ๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐˜€. โŒ
๐—ก๐—ผ ๐—ด๐˜‚๐—ฒ๐˜€๐˜€๐˜„๐—ผ๐—ฟ๐—ธ. โŒ
๐—ก๐—ผ ๐—ฑ๐—ถ๐˜€๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ๐—ฐ๐˜๐˜€. โŒ

Just honest advice and ongoing support.

If you want someone in your corner from day one - letโ€™s talk.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

๐™’๐™๐™ฎ ๐™ช๐™จ๐™š ๐™– ๐™—๐™ง๐™ค๐™ ๐™š๐™ง ๐™ฉ๐™ค ๐™จ๐™ค๐™ง๐™ฉ ๐™ค๐™ช๐™ฉ ๐™ฎ๐™ค๐™ช๐™ง ๐™ข๐™ค๐™ง๐™ฉ๐™œ๐™–๐™œ๐™š ๐™ค๐™ง ๐™ง๐™š๐™ข๐™ค๐™ง๐™ฉ๐™œ๐™–๐™œ๐™š?A mortgage broker isnโ€™t just there to "find a rate".My job is t...
17/02/2026

๐™’๐™๐™ฎ ๐™ช๐™จ๐™š ๐™– ๐™—๐™ง๐™ค๐™ ๐™š๐™ง ๐™ฉ๐™ค ๐™จ๐™ค๐™ง๐™ฉ ๐™ค๐™ช๐™ฉ ๐™ฎ๐™ค๐™ช๐™ง ๐™ข๐™ค๐™ง๐™ฉ๐™œ๐™–๐™œ๐™š ๐™ค๐™ง ๐™ง๐™š๐™ข๐™ค๐™ง๐™ฉ๐™œ๐™–๐™œ๐™š?

A mortgage broker isnโ€™t just there to "find a rate".

My job is to:
โœ”๏ธ Match you with the right lender for your situation
๐Ÿ’ผ Present your case clearly and professionally
๐Ÿ’ก Solve problems when things arenโ€™t straightforward
๐Ÿ“‹ Guide you through the process from application to approval
๐Ÿ˜Ž Help you understand your options so you can make confident decisions

Not every mortgage fits neatly into a box.
If youโ€™re self-employed, have complex income, are buying your first home, refinancing, or just unsure where to start, having someone on your side can make a real difference.

Instead of navigating multiple lenders on your own, you have one person focused on finding the best solution for you.

If youโ€™re thinking about buying, refinancing, or simply want to understand whatโ€™s possible, Iโ€™m always happy to have a conversation.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

๐—ช๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฐ๐—ฒ๐˜€๐˜€ ๐™ง๐™š๐™–๐™ก๐™ก๐™ฎ ๐—น๐—ผ๐—ผ๐—ธ๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ ๐ŸกWondering what actually happens when you apply for a mortgage?Here's a simp...
12/02/2026

๐—ช๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฐ๐—ฒ๐˜€๐˜€ ๐™ง๐™š๐™–๐™ก๐™ก๐™ฎ ๐—น๐—ผ๐—ผ๐—ธ๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ ๐Ÿก

Wondering what actually happens when you apply for a mortgage?
Here's a simple step-by-step guide that hopefully takes away the mystery:

1๏ธโƒฃ ๐™„๐™ฃ๐™ž๐™ฉ๐™ž๐™–๐™ก ๐™˜๐™๐™–๐™ฉ โ€“ ๐˜ธ๐˜ฆ ๐˜ต๐˜ข๐˜ญ๐˜ฌ ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฑ๐˜ญ๐˜ข๐˜ฏ๐˜ด, ๐˜ฃ๐˜ถ๐˜ฅ๐˜จ๐˜ฆ๐˜ต ๐˜ข๐˜ฏ๐˜ฅ ๐˜ธ๐˜ฉ๐˜ข๐˜ตโ€™๐˜ด ๐˜ณ๐˜ฆ๐˜ข๐˜ญ๐˜ช๐˜ด๐˜ต๐˜ช๐˜ค๐˜ข๐˜ญ๐˜ญ๐˜บ ๐˜ข๐˜ค๐˜ฉ๐˜ช๐˜ฆ๐˜ท๐˜ข๐˜ฃ๐˜ญ๐˜ฆ.
2๏ธโƒฃ ๐™‡๐™š๐™ฃ๐™™๐™š๐™ง ๐™ง๐™š๐™จ๐™š๐™–๐™ง๐™˜๐™ โ€“ ๐˜ ๐˜ด๐˜ฆ๐˜ข๐˜ณ๐˜ค๐˜ฉ ๐˜ข๐˜ค๐˜ณ๐˜ฐ๐˜ด๐˜ด ๐˜ญ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ฆ๐˜ณ๐˜ด ๐˜ต๐˜ฐ ๐˜ง๐˜ช๐˜ฏ๐˜ฅ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ด๐˜ต ๐˜ด๐˜ถ๐˜ช๐˜ต๐˜ข๐˜ฃ๐˜ญ๐˜ฆ ๐˜ฅ๐˜ฆ๐˜ข๐˜ญ ๐˜ง๐˜ฐ๐˜ณ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ด๐˜ช๐˜ต๐˜ถ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ข๐˜ด ๐˜ช๐˜ฏ๐˜ฅ๐˜ฆ๐˜ฑ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ฆ๐˜ฏ๐˜ต ๐˜ฃ๐˜ณ๐˜ฐ๐˜ฌ๐˜ฆ๐˜ณ.
3๏ธโƒฃ ๐˜ผ๐™ฅ๐™ฅ๐™ก๐™ž๐™˜๐™–๐™ฉ๐™ž๐™ค๐™ฃ โ€“ ๐˜ฑ๐˜ข๐˜ฑ๐˜ฆ๐˜ณ๐˜ธ๐˜ฐ๐˜ณ๐˜ฌ ๐˜ช๐˜ด ๐˜ด๐˜ถ๐˜ฃ๐˜ฎ๐˜ช๐˜ต๐˜ต๐˜ฆ๐˜ฅ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ ๐˜ฉ๐˜ข๐˜ฏ๐˜ฅ๐˜ญ๐˜ฆ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฃ๐˜ข๐˜ค๐˜ฌ-๐˜ข๐˜ฏ๐˜ฅ-๐˜ง๐˜ฐ๐˜ณ๐˜ต๐˜ฉ ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ญ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ฆ๐˜ณ.
4๏ธโƒฃ ๐™Š๐™›๐™›๐™š๐™ง ๐™ž๐™จ๐™จ๐™ช๐™š๐™™ โ€“ ๐˜ฐ๐˜ฏ๐˜ค๐˜ฆ ๐˜ข๐˜ฑ๐˜ฑ๐˜ณ๐˜ฐ๐˜ท๐˜ฆ๐˜ฅ, ๐˜บ๐˜ฐ๐˜ถ ๐˜ณ๐˜ฆ๐˜ค๐˜ฆ๐˜ช๐˜ท๐˜ฆ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฐ๐˜ง๐˜ง๐˜ช๐˜ค๐˜ช๐˜ข๐˜ญ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ต๐˜จ๐˜ข๐˜จ๐˜ฆ ๐˜ฐ๐˜ง๐˜ง๐˜ฆ๐˜ณ.
5๏ธโƒฃ ๐˜พ๐™ค๐™ข๐™ฅ๐™ก๐™š๐™ฉ๐™ž๐™ค๐™ฃ โ€“ ๐˜ง๐˜ถ๐˜ฏ๐˜ฅ๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ณ๐˜ฆ๐˜ญ๐˜ฆ๐˜ข๐˜ด๐˜ฆ๐˜ฅ ๐˜ข๐˜ฏ๐˜ฅ ๐˜บ๐˜ฐ๐˜ถ ๐˜จ๐˜ฆ๐˜ต ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฌ๐˜ฆ๐˜บ๐˜ด ๐˜ต๐˜ฐ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฏ๐˜ฆ๐˜ธ ๐˜ฉ๐˜ฐ๐˜ฎ๐˜ฆ.

My role is to guide you through every step, deal directly with the lender, and keep everything moving - so youโ€™re never left wondering whatโ€™s happening next.
If youโ€™re thinking about buying, remortgaging, or just want to understand your options, feel free to message me for a friendly, no-pressure chat.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

11/02/2026

๐Ÿ™Œ Sponsor Appreciation: Oโ€™Hara Financial
Weโ€™re proud to have Oโ€™Hara Financial supporting Gainsborough RUFC and backing one of our longstanding club men, Daniel Chadwick.

Their down-to-earth financial advice helps people make confident decisions about mortgages, insurance, and more โ€” and now theyโ€™re helping us keep the club thriving too.

Big thanks to the team at Oโ€™Hara for investing in both futures and friendships.

SponsorSupport

Mortgage jargon can feel like a different language - and hereโ€™s a term youโ€™ll hear a lot when exploring your options:๐—Ÿ๐—ง๐—ฉ...
10/02/2026

Mortgage jargon can feel like a different language - and hereโ€™s a term youโ€™ll hear a lot when exploring your options:

๐—Ÿ๐—ง๐—ฉ (๐—Ÿ๐—ผ๐—ฎ๐—ป ๐˜๐—ผ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ)

Put simply, this is the percentage of the propertyโ€™s value that youโ€™re borrowing compared to the deposit youโ€™re putting in.

For example:

โ€ข Buying at ยฃ200,000 with a ยฃ20,000 deposit = ๐Ÿต๐Ÿฌ% LTV
โ€ข Buying at ยฃ200,000 with a ยฃ40,000 deposit = ๐Ÿด๐Ÿฌ% LTV

Why it matters:
โœ” Lower LTVs often unlock better rates and more lender choice
โœ” Higher LTVs can still have strong options available - especially with the right guidance and broker
โœ” Understanding your LTV helps you plan your next move with confidence

No confusing jargon. No guesswork. Just clear, honest advice to help you move forward.

If youโ€™d like to understand what your LTV means for your plans, feel free to message me - Iโ€™m always happy to help.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

๐๐ž๐ž๐ง ๐ญ๐จ๐ฅ๐ '๐ง๐จ' ๐›๐ฒ ๐ฒ๐จ๐ฎ๐ซ ๐›๐š๐ง๐ค ๐จ๐ซ ๐š๐ง๐จ๐ญ๐ก๐ž๐ซ ๐š๐๐ฏ๐ข๐ฌ๐ž๐ซ? โŒ๐๐จ๐ญ ๐ก๐š๐ฉ๐ฉ๐ฒ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ž ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐จ๐ฉ๐ญ๐ข๐จ๐ง๐ฌ ๐ฒ๐จ๐ฎ'๐ฏ๐ž ๐›๐ž๐ž๐ง ๐ ๐ข๐ฏ๐ž๐ง ๐ž๐ฅ๐ฌ๐ž๐ฐ๐ก๐ž๐ซ๐ž? โŒI reg...
05/02/2026

๐๐ž๐ž๐ง ๐ญ๐จ๐ฅ๐ '๐ง๐จ' ๐›๐ฒ ๐ฒ๐จ๐ฎ๐ซ ๐›๐š๐ง๐ค ๐จ๐ซ ๐š๐ง๐จ๐ญ๐ก๐ž๐ซ ๐š๐๐ฏ๐ข๐ฌ๐ž๐ซ? โŒ
๐๐จ๐ญ ๐ก๐š๐ฉ๐ฉ๐ฒ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ž ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐จ๐ฉ๐ญ๐ข๐จ๐ง๐ฌ ๐ฒ๐จ๐ฎ'๐ฏ๐ž ๐›๐ž๐ž๐ง ๐ ๐ข๐ฏ๐ž๐ง ๐ž๐ฅ๐ฌ๐ž๐ฐ๐ก๐ž๐ซ๐ž? โŒ

I regularly speak to people who felt their plans for buying a home, remortgaging, or moving forward financially were out of reach - simply because theyโ€™d received one rejection.

The reality is, every lender looks at things differently.
A situation that doesnโ€™t fit one set of criteria may be perfectly acceptable to another when approached in the right way.

Thatโ€™s why a second opinion can make all the difference.

If youโ€™ve been declined elsewhere, are unsure, or just want someone to sense-check your options, Iโ€™m always happy to have a friendly, no-pressure chat and see if thereโ€™s another route forward.

You might have more possibilities than you think.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

Being declined by a bank doesnโ€™t always mean youโ€™re 'unmortgageable' - ๐™›๐™–๐™ง ๐™›๐™ง๐™ค๐™ข ๐™ž๐™ฉ ๐™ž๐™ฃ ๐™›๐™–๐™˜๐™ฉ!High street lenders often rel...
03/02/2026

Being declined by a bank doesnโ€™t always mean youโ€™re 'unmortgageable' - ๐™›๐™–๐™ง ๐™›๐™ง๐™ค๐™ข ๐™ž๐™ฉ ๐™ž๐™ฃ ๐™›๐™–๐™˜๐™ฉ!

High street lenders often rely heavily on automated checks and strict criteria.
That can mean perfectly workable cases get declined simply because they donโ€™t put a tick in a certain box.

I can look beyond the tick-boxes and match you with a lender whose criteria actually suits your situation.

And most importantly - no mortgage, no fee. I won't charge you a penny until your mortgage has offered.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

Buying a property from a family member, or your landlord?If youโ€™re purchasing below market value, that discount can some...
29/01/2026

Buying a property from a family member, or your landlord?
If youโ€™re purchasing below market value, that discount can sometimes be used as your deposit - and may be accepted even if you've some adverse credit history.
Itโ€™s not suitable in every case, but itโ€™s an option many people donโ€™t realise exists.
Worth asking before assuming itโ€™s not possible - drop me a message to see if I can help.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

๐™๐™๐™ž๐™ฃ๐™  ๐™ฎ๐™ค๐™ช ๐™ฃ๐™š๐™š๐™™ ๐™– ๐™๐™ช๐™œ๐™š ๐™™๐™š๐™ฅ๐™ค๐™จ๐™ž๐™ฉ ๐™ฉ๐™ค ๐™—๐™ช๐™ฎ ๐™– ๐™๐™ค๐™ข๐™š? ๐—ง๐—ต๐—ถ๐—ป๐—ธ ๐—ฎ๐—ด๐—ฎ๐—ถ๐—ป!Some lenders now consider applications with lower deposits - in...
27/01/2026

๐™๐™๐™ž๐™ฃ๐™  ๐™ฎ๐™ค๐™ช ๐™ฃ๐™š๐™š๐™™ ๐™– ๐™๐™ช๐™œ๐™š ๐™™๐™š๐™ฅ๐™ค๐™จ๐™ž๐™ฉ ๐™ฉ๐™ค ๐™—๐™ช๐™ฎ ๐™– ๐™๐™ค๐™ข๐™š? ๐—ง๐—ต๐—ถ๐—ป๐—ธ ๐—ฎ๐—ด๐—ฎ๐—ถ๐—ป!

Some lenders now consider applications with lower deposits - including less than 5% - depending on individual circumstances.
Even with a few historic credit blips there can often be a path forward, and for those with an excellent credit rating, 100% mortgages are even a thing!
If you are buying a property under market value from a family member or landlord, the discount can often be used as your deposit - and this can be accepted even with some adverse credit history.
The bottom line is that there is no one-size-fits-all answer - which is exactly why good advice matters.
If saving a big deposit feels like the biggest barrier to buying your dream home, letโ€™s talk it through. ๐Ÿ“ฉ



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

A client recently came to me after being told by another local broker that she couldn't get a mortgage.At first glance, ...
22/01/2026

A client recently came to me after being told by another local broker that she couldn't get a mortgage.

At first glance, her situation looked tricky. But after digging deeper, we found multiple lenders willing to offer a mortgage.

๐™๐™๐™š ๐™ก๐™š๐™จ๐™จ๐™ค๐™ฃ?
๐˜ˆ ๐˜ด๐˜ช๐˜ฏ๐˜จ๐˜ญ๐˜ฆ '๐˜ฏ๐˜ฐ' ๐˜ฅ๐˜ฐ๐˜ฆ๐˜ด๐˜ฏ'๐˜ต ๐˜ฅ๐˜ฆ๐˜ง๐˜ช๐˜ฏ๐˜ฆ ๐˜ธ๐˜ฉ๐˜ข๐˜ต'๐˜ด ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ช๐˜ฃ๐˜ญ๐˜ฆ.

If youโ€™ve been declined elsewhere, it may still be worth exploring your options. Get in touch to see if I can help.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

๐˜ž๐˜ฐ๐˜ณ๐˜ณ๐˜ช๐˜ฆ๐˜ฅ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ข ๐˜Š๐˜Š๐˜‘ ๐˜ฎ๐˜ฆ๐˜ข๐˜ฏ๐˜ด ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฆ๐˜ง๐˜ช๐˜ฏ๐˜ช๐˜ต๐˜ฆ๐˜ญ๐˜บ ๐˜ค๐˜ข๐˜ฏโ€™๐˜ต ๐˜จ๐˜ฆ๐˜ต ๐˜ข ๐˜ฎ๐˜ฐ๐˜ณ๐˜ต๐˜จ๐˜ข๐˜จ๐˜ฆ?Fortunately, it isn't always that simple.Things like: How o...
20/01/2026

๐˜ž๐˜ฐ๐˜ณ๐˜ณ๐˜ช๐˜ฆ๐˜ฅ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ข ๐˜Š๐˜Š๐˜‘ ๐˜ฎ๐˜ฆ๐˜ข๐˜ฏ๐˜ด ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฆ๐˜ง๐˜ช๐˜ฏ๐˜ช๐˜ต๐˜ฆ๐˜ญ๐˜บ ๐˜ค๐˜ข๐˜ฏโ€™๐˜ต ๐˜จ๐˜ฆ๐˜ต ๐˜ข ๐˜ฎ๐˜ฐ๐˜ณ๐˜ต๐˜จ๐˜ข๐˜จ๐˜ฆ?

Fortunately, it isn't always that simple.
Things like:
How old the CCJ is
Whether it has been satisfied
The amount involved

โ€ฆcan all make a difference.

Iโ€™ve helped clients who were told "no chance" by other brokers by finding lenders willing to look at the full picture, not just the headline.

Whether youโ€™ve been turned away elsewhere, or are just keen to learn your options - give me a shout.
A conversation costs nothing, and I don't charge any of my clients a penny until I've taken a mortgage application through to offer.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

Had a house purchase fall through after youโ€™d already agreed a mortgage? โŒ๐Ÿ˜”It's frustrating - but it doesnโ€™t have to der...
15/01/2026

Had a house purchase fall through after youโ€™d already agreed a mortgage? โŒ๐Ÿ˜”
It's frustrating - but it doesnโ€™t have to derail your plans.
I offer a free reapplication service, so if a deal collapses for any reason, Iโ€™ll reapply with the same or a different lender at no extra cost to you.
My job is to stick with you until you get the keys to your new home, however long that process may take.
If this sounds familiar, letโ€™s talk.



๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฆ๐—ฆ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—œ๐—™ ๐—ฌ๐—ข๐—จ ๐——๐—ข ๐—ก๐—ข๐—ง ๐—ž๐—˜๐—˜๐—ฃ ๐—จ๐—ฃ ๐—ฅ๐—˜๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง๐—ฆ ๐—ข๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜

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