Dan Does Mortgages

Dan Does Mortgages I help UK First Time Buyers to achieve mortgage success. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

I am an Registered Individual (RI) of Active Mortgage Ltd who are authorised and regulated by the Financial Conduct Authority. We are an independent whole of market mortgage and protection firm who work tirelessly to source our clients the best possible financial solution, tailored to their individual needs.

27/08/2026

Relocating? Your mortgage isn’t just about your salary.

For this client, we had to consider her new job, his commuting costs and the bigger picture before finding a lender that worked for them.

Sometimes it’s about finding the right lender and not just the right rate.

26/08/2026

Choosing the right mortgage isn’t always as simple as comparing rates or choosing the first option presented to you.

Headline information doesn’t tell the whole story.

Your current circumstances, future plans, income, spending and lender criteria can all affect which mortgage solution is actually most suitable.

That’s where proper advice matters.

25/08/2026

Sometimes the mortgage criteria says no.

But that doesn’t always mean the answer is no.

One of the biggest benefits of having a mortgage adviser is being able to pick up the phone, speak to the lender and explain the situation.

A tick-box decision isn’t always the full story. Sometimes, a conversation can make all the difference.

09/08/2026

Your first mortgage payment is often higher than your regular monthly payment. 🏡

Why? Because it usually includes interest from the day your mortgage completes up to the end of that month, plus your first full monthly payment.

It’s completely normal but it can catch first-time buyers by surprise.

07/08/2026

The most important thing when applying for a mortgage:

Choosing the right broker.

Criteria:
- Somebody whose expertise you trust.
- Somebody who you will enjoy communicating with.
- Somebody who you comfortable asking questions to.

This is a big decision and it isn’t a tick box exercise.

07/08/2026

The mortgage market is ever changing.

Each day there are lenders changing the deals they offer.
- Reducing and increasing interest rates.
- Reducing or increasing fees.
- Reducing or increasing cashback incentives.
- Withdrawing deals entirely.

When one lender makes a change, another lender may do the opposite.

A mortgage broker isn’t the person to make market predictions. We’re here to secure the best possible financial solution for you, when you’re ready to buy.

04/08/2026

A 25 year mortgage term would have an associated monthly mortgage payment of £1,667 and the total you’d repay over the full term is £500,053.

A 35 year mortgage term would have an associated monthly mortgage payment of £1,419 and the total you’d repay over the full term is £596,005.

There isn’t a universal right of wrong here. However, it’s important you’re making informed decisions that align with your own financial goals.

What is a mortgage term?
When you apply for a mortgage you can choose how long you would like to have to pay it off. Mortgage terms are available between six months and 40 years in the UK.

Which mortgage term is best?
• Longer term mortgages cost less each month because the repayments are spread over a longer term. However, you pay more overall because you are charged interest over a longer period.
• Shorter term mortgages cost more each month but let you pay the balance off quicker. This means you own your home outright much sooner and pay less in total because less interest is paid.

Everyone has different financial circumstances and goals. What is most suitable for you for you may not be for somebody else.

The mortgage term you choose for your first mortgage doesn’t need to be for life. You may change this when you refinance or by making overpayments.

The interest rate used in this reel is for illustrative purposes only. Your interest rate is likely to change numerous times during the life of your mortgage.

Past or current interest rates are no indication of future interest rates.

31/07/2026

Working with a mortgage adviser isn’t a box ticking exercise.

Choosing the right adviser could have a HUGE impact on your experience when buying your first home.

30/07/2026

Leeds BS Start Mortgages

- 2% minimum deposit or £5,000, whichever is greater
- Borrow up to five times your total income
- Fixed monthly payments for 5 years
- £30,000 minimum total income

This product adds to a growing list of low deposit mortgage options for first time buyers. If this is something you’re interested in, seek expert advice to understand any compromises and risks.

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

24/07/2026

Do you/would you like to make overpayments on your mortgage?

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