Middleton Finance - Daniel Bailey

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Middleton Finance - Daniel Bailey 🏡 Helping First Time Buyers & Home Movers.
💬 Mortgage Advice without the jargon.
⭐ Over 100 5 star reviews.
📅 Book your review today

03/11/2026

A different take on getting on the property ladder…

Would you consider sharing a home with friends rather than buying somewhere on your own?

With property prices and living costs making things challenging for many buyers, it’s interesting to see people exploring different ways of living.

It’s not the traditional route to homeownership, but it certainly gets you thinking!

What do you think — could you share a home with friends?

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

Lenders look at self-employed income in different ways. 🔎Some want to see two years of accounts; others will work with j...
02/11/2026

Lenders look at self-employed income in different ways. 🔎

Some want to see two years of accounts; others will work with just one. It depends on whether you're a sole trader, a company director, or a contractor.

Lower or up-and-down income doesn't mean the door is closed. It just means you need a lender whose criteria fits how you actually get paid.

We'll help you get your paperwork sorted, work out what lenders will want to see, and find options that suit your situation. 📃

Speak to us when you're ready to get started. 📞

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

02/11/2026

THE BUDGET IS IN… WHAT DOES IT MEAN FOR THE HOUSING MARKET?

There were some interesting announcements affecting homeowners, landlords and first-time buyers.

Here are five worth knowing about:

1️⃣ MORE TAX FOR LANDLORDS
Tax on rental income is due to increase by two percentage points from April 2027.

2️⃣ A NEW FIRST-TIME BUYER ISA
A new savings account is planned for April 2029, replacing the Lifetime ISA for new savers.

3️⃣ LIFETIME ISA PENALTY REDUCED
The withdrawal charge is being reduced from 25% to 20%.

4️⃣ A NEW FIRST-TIME BUYER SCHEME

This is one of the biggest announcements.

Eligible first-time buyers could purchase a qualifying new-build home in England with:
🏡 A 2.5% deposit
🏡 A 20% government equity loan
🏡 A 77.5% mortgage

On a £300,000 property, that could mean:
• £7,500 deposit
• £60,000 government loan
• £232,500 mortgage

The government loan is interest-free for five years. Interest is expected to start at 1.5% in year six and rise to 3% from year seven.

Income limits and property price caps apply, and buyers must meet lender affordability checks.

Applications are expected to open in February 2027, with first purchases expected from April.

5️⃣ £100 ENERGY PAYMENT

Eligible households in England in Council Tax bands A to D are due to receive £100 towards energy costs.

Which announcement do you think will make the biggest difference? Let me know below.

I’m Mortgage Danny. Follow me for more mortgage and property tips.

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

01/11/2026

Which one are you starting first?

30/10/2026

THINKING ABOUT BUYING YOUR FIRST HOME IN 2027?

Don’t wait until you’ve found a house you love to start getting ready.

There are three things I’d encourage you to start doing now:

1️⃣ CHECK YOUR DETAILED CREDIT REPORT

Don’t just check your credit score. Look at the full report. Check for missed payments, outstanding debts or incorrect information that might need sorting before you apply for a mortgage.

2️⃣ START SAVING FOR YOUR DEPOSIT

Even if you can only put a little aside each month, start building that savings habit. Remember, you’ll also need to budget for other costs involved in buying a home.

3️⃣ SPEAK TO A MORTGAGE ADVISER

You don’t need to be ready to buy tomorrow. Getting an idea of what you could borrow, how much deposit you might need and what you need to work towards can make a huge difference.

The earlier you prepare, the better placed you could be when the right property comes along.

Are you hoping to buy your first home in 2027?

Drop me a message with the word **HOME** and let’s start getting you prepared.

I’m Mortgage Danny. Follow me for more mortgage and property tips.

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

Dreaming of a new kitchen, an extension, or just giving your space a refresh? 🏠The equity in your home might be able to ...
30/10/2026

Dreaming of a new kitchen, an extension, or just giving your space a refresh? 🏠

The equity in your home might be able to help.

Remortgaging, a further advance, or other borrowing options could all be worth a look, depending on your situation.

Of course, it's worth weighing up the costs and repayments before deciding on anything, and we'll go through this together.

We'll review your current mortgage, look at the equity you may have, and compare your options clearly and honestly. 🔎

Want to see if you could make changes to your home without touching your savings?

Get in touch today! 📱

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

Great news for first-time buyers following today's Autumn Budget! 🎉The Government has officially confirmed the new Your ...
28/10/2026

Great news for first-time buyers following today's Autumn Budget! 🎉

The Government has officially confirmed the new Your First Home Scheme, something we first spoke about a few weeks ago!

The aim? To make getting onto the property ladder more affordable for first-time buyers.

Under the scheme, eligible buyers could purchase a new-build property with a deposit of just 2.5%, supported by a 20% government equity loan that's interest-free for the first 5 years! 🏠

📆 Applications aren't open just yet, but pre-registration will be available before the end of 2026, with the scheme expected to open for applications in February 2027.

Pre-registration doesn't mean you're committing to buying a home. It simply gives you more information about whether you qualify and the property price limits in your area.

Find out more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

And that's not the only announcement for first-time buyers!

The Government is also planning a new First Time Buyer ISA, designed to make saving for your first property easier.

This new savings account is expected to replace the Lifetime ISA for new savers, while those who already have a Lifetime ISA can continue using theirs.

There's no official launch date for the new ISA yet, but we'll share more information as it's released!

It's encouraging to see more support being introduced for people hoping to buy their first home! 🙌

If you're hoping to get onto the property ladder, I'm here to help you understand your mortgage options and plan your next steps.

📩 Get in touch to find out how I can help!

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

Why does getting a mortgage feel so hard, when your business is making good money? 🤔It's down to how lenders look at how...
26/10/2026

Why does getting a mortgage feel so hard, when your business is making good money? 🤔

It's down to how lenders look at how much you're 'earning'

Standard affordability checks often look at salary and dividends only. If you're leaving profit in the business for tax reasons, that income can get overlooked completely.

The thing is, some lenders look at this differently. They'll consider what they call retained profits, not just what you've drawn out.

By doing it this way you may be able to borrow a lot more than you thought.

Every lender has their own approach to assessing director income, which is exactly why it pays to know which ones fit your situation.

Speak to us and we'll look into lenders who understand how company directors actually get paid. 📊

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

Mortgage rates are back in the headlines again 📰So it makes sense if you're wondering whether to fix now or hold off.Her...
25/10/2026

Mortgage rates are back in the headlines again 📰

So it makes sense if you're wondering whether to fix now or hold off.

Here's the thing though, it's not just about which rate looks lowest today.

Fixing gives you certainty. Your payments stay the same for the agreed period, no surprises.

Staying on a variable rate means your payments can move with the market. That could work in your favour, or it might not.

There's no single moment that's correct for everyone. It depends on your situation and how much you value knowing exactly what you'll pay each month.

If your deal is ending soon, it's worth looking at your options properly rather than waiting to see what happens next.

And remember, the cheapest looking rate isn't always the cheapest once fees and the full term are added up 🧮

The real question isn't where rates are heading. It's which option suits you if they do.

Want to talk it through? Speak to us 💬

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

22/10/2026

PLANNING TO BUY YOUR FIRST HOME IN 2027?

HERE ARE 3 THINGS TO START DOING NOW.

1. GET YOUR CREDIT REPORT IN ORDER

Don’t just check your credit score. Look at your actual credit report.

Make sure your details are correct, you’re registered on the electoral roll and you’re keeping up with your payments.

If there are any issues, spotting them early gives you time to put things right.

2. START BUILDING YOUR DEPOSIT

Work out how much you might need to save and set yourself a realistic monthly target.

But remember, your deposit isn’t the only cost.

You’ll also need to budget for things like solicitor fees, surveys, moving costs and potentially mortgage fees.

3. SPEAK TO A MORTGAGE ADVISER EARLY

You don’t need to have your deposit saved before speaking to a mortgage adviser.

Getting advice early can help you understand what you might be able to borrow, what deposit you could need and what steps you can take to get mortgage-ready.

The earlier you start planning, the better prepared you could be when the right property comes along.

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

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

Address

Southport

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 10am - 2pm

Telephone

+441246749400

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