Middleton Finance - Daniel Bailey

Middleton Finance - Daniel Bailey 🏡 Helping First Time Buyers & Home Movers.
💬 Mortgage Advice without the jargon.
⭐ Over 100 5 star reviews.
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Moving house even if you're still in your fixed-rate mortgage deal? There may be a way to take your rate with you when y...
07/09/2026

Moving house even if you're still in your fixed-rate mortgage deal? There may be a way to take your rate with you when you move. 🏡

This is called porting, short for 'transporting' your mortgage!

We'll look at whether you can 'port' your existing mortgage to your new home.

If your new property is more expensive, we can discuss additional borrowing. If your circumstances have changed, like a salary increase, your affordability could be assessed again.

This option may not be available to everybody but it's always worth a conversation!

Let's chat about your options. 📞

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

07/09/2026

6.5× your income for a mortgage?! 👀

Sounds great… but just because you can borrow that much, doesn’t mean you should.

A couple earning £50,000 between them could potentially borrow £325,000 with just a 5% deposit under this type of lending.

But before taking on that level of borrowing, you need to think beyond today.

What happens if:

* Your bills increase?
* Your income changes?
* Interest rates rise?
* Something unexpected happens?

You need a plan.

I’d much rather you ask:

“How much can I comfortably afford?”
rather than:

“How much will the lender give me?”

If you’re considering borrowing at a high income multiple, get advice and make sure you’ve considered the risks before committing.

Because maximum borrowing isn’t necessarily maximum affordability.

Coventry’s criteria.

🔹 £30,000 minimum income for a sole applicant
🔹 £50,000 combined minimum income for joint applicants
🔹 Applicants cannot be self-employed for this particular lending criteria
🔹 Up to 95% LTV
🔹 Subject to Coventry’s affordability and lending checks

I’m Mortgage Danny, helping you make sense of mortgages.

Would you be comfortable borrowing 6.5× your income? 👇

Your home maybe repossessed if you do not keep up with your repayments.

06/09/2026

Property is about so much more than four walls. 🏡🌊

It’s the morning walks on the beach, the school run, the local coffee shop and that feeling of belonging — whether that’s a village or a vibrant city centre. ☕✨

But before you fall in love with your dream location, **make sure your finances are ready too.**

If you’re hoping to move in the next six months, here are 4 simple things you can do now:

🗳️ **1. Check you’re on the electoral roll**
Being registered at your current address can help lenders verify your identity and address history.

📱 **2. Make sure your payments are up to date**
Missed or late payments can make getting a mortgage more difficult, so make sure your bills and credit commitments are being paid on time.

🔍 **3. Check your credit reports**
Don’t just look at the score. **Look at the detail.**

Different lenders can use different credit reference agencies, so checking multiple reports can help you spot errors or information you don’t recognise.

🏠 **4. Speak to a mortgage broker**
Even if you’re not ready to buy yet, speaking to a broker can help you understand what you could potentially afford, what deposit you may need and what you can do now to put yourself in a stronger position.

**Get mortgage-ready before you find the perfect place. 🏡**

I’m Mortgage Danny, helping you make sense of mortgages and your property journey.

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

MortgageDanny

You don't always need a 20% deposit for a home! 🤔A common misconception is that a big deposit is the only route to getti...
06/09/2026

You don't always need a 20% deposit for a home! 🤔

A common misconception is that a big deposit is the only route to getting a mortgage. Around 40% of people still believe this to be true.

But that's just not the case!

We're seeing more low-deposit mortgage products enter the market every week.

Some require as little as 5%, 2%, or even 0% deposit. And these aren't just for first-time buyers either! 🙌

There are specific criteria, but our team understands what lenders look for.

We know how to structure your application for a higher chance of approval. We handle the admin so you don't have to.

Let's chat about your options. 📞

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

Source: https://theintermediary.co.uk/2026/08/58-of-ftbs-rule-themselves-out-of-mortgages-before-applying-lloyds-finds/

06/09/2026

Is now the right time to buy your first home? 🏡

It’s one of the biggest questions I get from first-time buyers.

And honestly, I don’t think anyone can tell you exactly what house prices or mortgage rates are going to do next.
Instead, I’d ask yourself:

☕ Can I comfortably afford the mortgage?

🏡 Do I have my deposit and buying costs covered?

💷 Would I still be comfortable if my circumstances changed?
You could wait for mortgage rates to fall… but you could also be waiting while house prices move.

There is no perfect time to buy.
The right time is when you’re financially ready and the numbers work for you.

That’s what I’m talking through with a first-time buyer over coffee in Ainsdale.
Would you buy now or wait? 👇

I’m Mortgage Danny, helping you make sense of mortgages and your property journey.

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

06/09/2026

The answer is... possibly.

One of the biggest misconceptions I hear is that a low credit score automatically means you’ll be declined for a mortgage.

The reality is that lenders don’t all assess applications in the same way. They’ll often look at factors such as:

✔️ Your credit history
✔️ Your income and affordability
✔️ How long ago any financial issues occurred
✔️ The reason behind them
✔️ Your deposit and overall circumstances

Every situation is different, which is why it’s worth speaking to a mortgage broker before assuming the answer is “no”.

If you’re worried about your credit history but want to understand what your mortgage options could be, send me a message. I’d be happy to point you in the right direction.

🏡 I’m MortgageDanny, helping you make sense of mortgages.

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

Lovely way to start the weekend. Coffee at CANTO is 🔥🔥🔥If you are moving to the area or already in the area it is a must...
05/09/2026

Lovely way to start the weekend. Coffee at CANTO is 🔥🔥🔥

If you are moving to the area or already in the area it is a must visit if you love your coffee.

03/09/2026

Mortgage rates could be about to increase? 👀

If your current mortgage deal ends within the next 6 months, now could be a good time to start looking at your options.

Fixed rates have been coming down, but swap rates — which influence how lenders price fixed mortgages — have recently moved higher.

That could put upward pressure on mortgage rates.

The good news is, if you’re eligible to secure a new deal now, you don’t necessarily have to wait until your current deal ends.

And if rates fall before completion, your mortgage adviser can monitor the market and look at securing a better deal for you.

Don’t panic — just make sure you know what your options are.

I’m Mortgage Danny, helping you make sense of mortgages.

03/09/2026

Would you let your adult child live at home rent-free? 🏡

One of my clients did — but there was one important rule.

Their child had to save the same amount every month that they would have spent on rent.

Two years later, they had built a deposit, learned to budget and were ready to buy their first home.

I actually thought it was a brilliant approach.
It wasn’t free living — it was giving them an opportunity to get ahead while still teaching them about financial responsibility.

But I know not everyone will agree…

Would you let your adult child live rent-free if they were saving for their first home?

Or should adult children pay their own way?

👇 I’d love to know what you think.

I’m Mortgage Danny, helping you make sense of mortgages and your property journey.

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

02/09/2026

Would you pay £40,000 more for your home to get your child into a top state school? 🏡🎓

New research from Yopa suggests that homes in postcode districts containing one of the UK’s top 50 state secondary schools cost £40,574 more on average.

The average property price in those areas is £415,791, compared with £375,217 across the wider local authorities.

And in some areas, the difference is much bigger.

Around Bishop Vesey’s Grammar School in Sutton Coldfield, the difference is £275,814. 😳

Of course, this doesn’t mean the school itself adds that amount to every property. House prices are influenced by lots of factors, including location, property type and local demand.

But it does show how much schools can influence where people choose to buy — and what they’re prepared to pay.

So here’s the question:

👉 How much more would you be prepared to pay for the right school?

£10k?
£40k?
£100k+?

Let me know 👇

I’m Mortgage Danny, helping you make sense of mortgages and your property journey.

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

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Southport

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