O'Hara Financial, Crispin Way, Scunthorpe (2026)

19/02/2026

Most of my clients come to me with a simple question: "𝘋𝘰 𝘺𝘰𝘶 𝘵𝘩𝘪𝘯𝘬 𝘵𝘩𝘪𝘴 𝘪𝘴 𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦 𝘧𝘰𝘳 𝘮𝘦?"

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

𝗡𝗼 𝗵𝗮𝗻𝗱𝗼𝘃𝗲𝗿𝘀. ❌
𝗡𝗼 𝗴𝘂𝗲𝘀𝘀𝘄𝗼𝗿𝗸. ❌
𝗡𝗼 𝗱𝗶𝘀𝗮𝗽𝗽𝗲𝗮𝗿𝗶𝗻𝗴 𝗮𝗰𝘁𝘀. ❌

Just honest advice and ongoing support.

If you want someone in your corner from day one - let’s talk.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

17/02/2026

𝙒𝙝𝙮 𝙪𝙨𝙚 𝙖 𝙗𝙧𝙤𝙠𝙚𝙧 𝙩𝙤 𝙨𝙤𝙧𝙩 𝙤𝙪𝙩 𝙮𝙤𝙪𝙧 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙤𝙧 𝙧𝙚𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚?

A mortgage broker isn’t just there to "find a rate".

My job is to:
✔️ Match you with the right lender for your situation
💼 Present your case clearly and professionally
💡 Solve problems when things aren’t straightforward
📋 Guide you through the process from application to approval
😎 Help you understand your options so you can make confident decisions

Not every mortgage fits neatly into a box.
If you’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 you’re thinking about buying, refinancing, or simply want to understand what’s possible, I’m always happy to have a conversation.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

12/02/2026

𝗪𝗵𝗮𝘁 𝘁𝗵𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 𝙧𝙚𝙖𝙡𝙡𝙮 𝗹𝗼𝗼𝗸𝘀 𝗹𝗶𝗸𝗲 🏡

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

1️⃣ 𝙄𝙣𝙞𝙩𝙞𝙖𝙡 𝙘𝙝𝙖𝙩 – 𝘸𝘦 𝘵𝘢𝘭𝘬 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘺𝘰𝘶𝘳 𝘱𝘭𝘢𝘯𝘴, 𝘣𝘶𝘥𝘨𝘦𝘵 𝘢𝘯𝘥 𝘸𝘩𝘢𝘵’𝘴 𝘳𝘦𝘢𝘭𝘪𝘴𝘵𝘪𝘤𝘢𝘭𝘭𝘺 𝘢𝘤𝘩𝘪𝘦𝘷𝘢𝘣𝘭𝘦.
2️⃣ 𝙇𝙚𝙣𝙙𝙚𝙧 𝙧𝙚𝙨𝙚𝙖𝙧𝙘𝙝 – 𝘐 𝘴𝘦𝘢𝘳𝘤𝘩 𝘢𝘤𝘳𝘰𝘴𝘴 𝘭𝘦𝘯𝘥𝘦𝘳𝘴 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘵𝘩𝘦 𝘮𝘰𝘴𝘵 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘦 𝘥𝘦𝘢𝘭 𝘧𝘰𝘳 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘢𝘴 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘣𝘳𝘰𝘬𝘦𝘳.
3️⃣ 𝘼𝙥𝙥𝙡𝙞𝙘𝙖𝙩𝙞𝙤𝙣 – 𝘱𝘢𝘱𝘦𝘳𝘸𝘰𝘳𝘬 𝘪𝘴 𝘴𝘶𝘣𝘮𝘪𝘵𝘵𝘦𝘥 𝘢𝘯𝘥 𝘐 𝘩𝘢𝘯𝘥𝘭𝘦 𝘵𝘩𝘦 𝘣𝘢𝘤𝘬-𝘢𝘯𝘥-𝘧𝘰𝘳𝘵𝘩 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦 𝘭𝘦𝘯𝘥𝘦𝘳.
4️⃣ 𝙊𝙛𝙛𝙚𝙧 𝙞𝙨𝙨𝙪𝙚𝙙 – 𝘰𝘯𝘤𝘦 𝘢𝘱𝘱𝘳𝘰𝘷𝘦𝘥, 𝘺𝘰𝘶 𝘳𝘦𝘤𝘦𝘪𝘷𝘦 𝘺𝘰𝘶𝘳 𝘰𝘧𝘧𝘪𝘤𝘪𝘢𝘭 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘰𝘧𝘧𝘦𝘳.
5️⃣ 𝘾𝙤𝙢𝙥𝙡𝙚𝙩𝙞𝙤𝙣 – 𝘧𝘶𝘯𝘥𝘴 𝘢𝘳𝘦 𝘳𝘦𝘭𝘦𝘢𝘴𝘦𝘥 𝘢𝘯𝘥 𝘺𝘰𝘶 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘬𝘦𝘺𝘴 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘯𝘦𝘸 𝘩𝘰𝘮𝘦.

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

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

11/02/2026

🙌 Sponsor Appreciation: O’Hara Financial
We’re proud to have O’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 — and now they’re helping us keep the club thriving too.

Big thanks to the team at O’Hara for investing in both futures and friendships.

SponsorSupport

10/02/2026

Mortgage jargon can feel like a different language - and here’s a term you’ll hear a lot when exploring your options:

𝗟𝗧𝗩 (𝗟𝗼𝗮𝗻 𝘁𝗼 𝗩𝗮𝗹𝘂𝗲)

Put simply, this is the percentage of the property’s value that you’re borrowing compared to the deposit you’re putting in.

For example:

• Buying at £200,000 with a £20,000 deposit = 𝟵𝟬% LTV
• Buying at £200,000 with a £40,000 deposit = 𝟴𝟬% LTV

Why it matters:
✔ Lower LTVs often unlock better rates and more lender choice
✔ Higher LTVs can still have strong options available - especially with the right guidance and broker
✔ 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 you’d like to understand what your LTV means for your plans, feel free to message me - I’m always happy to help.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

05/02/2026

𝐁𝐞𝐞𝐧 𝐭𝐨𝐥𝐝 '𝐧𝐨' 𝐛𝐲 𝐲𝐨𝐮𝐫 𝐛𝐚𝐧𝐤 𝐨𝐫 𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝐚𝐝𝐯𝐢𝐬𝐞𝐫? ❌
𝐍𝐨𝐭 𝐡𝐚𝐩𝐩𝐲 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐲𝐨𝐮'𝐯𝐞 𝐛𝐞𝐞𝐧 𝐠𝐢𝐯𝐞𝐧 𝐞𝐥𝐬𝐞𝐰𝐡𝐞𝐫𝐞? ❌

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

The reality is, every lender looks at things differently.
A situation that doesn’t fit one set of criteria may be perfectly acceptable to another when approached in the right way.

That’s why a second opinion can make all the difference.

If you’ve been declined elsewhere, are unsure, or just want someone to sense-check your options, I’m always happy to have a friendly, no-pressure chat and see if there’s another route forward.

You might have more possibilities than you think.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

03/02/2026

Being declined by a bank doesn’t always mean you’re 'unmortgageable' - 𝙛𝙖𝙧 𝙛𝙧𝙤𝙢 𝙞𝙩 𝙞𝙣 𝙛𝙖𝙘𝙩!

High street lenders often rely heavily on automated checks and strict criteria.
That can mean perfectly workable cases get declined simply because they don’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.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

29/01/2026

Buying a property from a family member, or your landlord?
If you’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.
It’s not suitable in every case, but it’s an option many people don’t realise exists.
Worth asking before assuming it’s not possible - drop me a message to see if I can help.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

27/01/2026

𝙏𝙝𝙞𝙣𝙠 𝙮𝙤𝙪 𝙣𝙚𝙚𝙙 𝙖 𝙝𝙪𝙜𝙚 𝙙𝙚𝙥𝙤𝙨𝙞𝙩 𝙩𝙤 𝙗𝙪𝙮 𝙖 𝙝𝙤𝙢𝙚? 𝗧𝗵𝗶𝗻𝗸 𝗮𝗴𝗮𝗶𝗻!

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, let’s talk it through. 📩

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

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.

𝙏𝙝𝙚 𝙡𝙚𝙨𝙨𝙤𝙣?
𝘈 𝘴𝘪𝘯𝘨𝘭𝘦 '𝘯𝘰' 𝘥𝘰𝘦𝘴𝘯'𝘵 𝘥𝘦𝘧𝘪𝘯𝘦 𝘸𝘩𝘢𝘵'𝘴 𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦.

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

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

20/01/2026

𝘞𝘰𝘳𝘳𝘪𝘦𝘥 𝘵𝘩𝘢𝘵 𝘢 𝘊𝘊𝘑 𝘮𝘦𝘢𝘯𝘴 𝘺𝘰𝘶 𝘥𝘦𝘧𝘪𝘯𝘪𝘵𝘦𝘭𝘺 𝘤𝘢𝘯’𝘵 𝘨𝘦𝘵 𝘢 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦?

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

…can all make a difference.

I’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 you’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.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

15/01/2026

Had a house purchase fall through after you’d already agreed a mortgage? ❌😔
It's frustrating - but it doesn’t have to derail your plans.
I offer a free reapplication service, so if a deal collapses for any reason, I’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, let’s talk.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗠𝗔𝗬 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘

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