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.

If you’re in London and want to buy your first home, come and say hello!10:00-17:00 - you’ll find me and my team in The ...
18/04/2026

If you’re in London and want to buy your first home, come and say hello!

10:00-17:00 - you’ll find me and my team in The Whittle Room, Affordability Space. I’m here to meet homebuyers, answer questions and work towards your goal.

13:45-14:30 - - LIVE in The Westminster Room. I’ll be speaking through your housing options with 3 guests.

15/04/2026

Are you in London and hoping to buy your first home?

This Saturday, I’ll be at the London Home Show. The event is located at the Queen Elizabeth Centre in Westminster.

I’ll be there 10:00-17:00 to meet homebuyers, answer questions and to work towards your goals.

I’ll be hosting Let’s Buy a Home LIVE at 13:45 discussing London housing options.

The event is FREE and you can reserve your spot using Eventbrite.

Come and say hello!

14/04/2026

I recently read a discussion online asking why more mortgage applicants weren’t offered 10 year fixed deal during the 2019-2020 period.

A good adviser will make you aware of all of your options. However, there’s a multitude of reasons why an applicant and adviser might not have agreed a 10 year fix as the best fit for an individual during that period.

Mortgage advice isn’t two dimensional. It’s complex and there’s a human factor. The market is always moving and evolving.

People often think that mortgage advisers are for complex situations only. That isn’t correct. This first-time buyer alr...
18/03/2026

People often think that mortgage advisers are for complex situations only.

That isn’t correct.

This first-time buyer already had a mortgage in principle sorted from their bank.

Their circumstances and goals are fairly straight forward.

They’d already had an offer accepted for a home.

But they wanted peace of mind.

Last week, interest rates were increasing across the market.

Within 36 hours of our first conversation:
- I identified a cheaper deal.
- Submitted their mortgage application.
- Took a load of stress and work off their plate.

No complicated strategy.
No major issues to fix.

Just saving time, money, and hassle. Securing peace of mind.

I’m now on their team to hold their hand the entire way through their first home purchase, right up until the day they get their keys.

Mortgage. Protection. Conveyancers. Surveys.

11/03/2026

Many people don’t realise that benefits like Personal Independence Payment and Universal Credit can be included in a mortgage application.

Lenders will look at whether the income is regular, ongoing, and sustainable, and many will accept it as part of affordability.

If you receive benefits and are thinking about buying a home, it’s worth speaking to an expert early to understand your options and which lenders may consider your income.

I help homebuyers more than you may think to buy a home using these sources of income.

One of the harsh realities of buying a home… and it’s just happened to one of my first time buyers.Even after your offer...
05/03/2026

One of the harsh realities of buying a home… and it’s just happened to one of my first time buyers.

Even after your offer is accepted, the seller can still pull out of the sale at any time right up until contracts are exchanged.

For the buyer, this can be incredibly frustrating and sometimes expensive.

By that stage a buyer may have already paid for:
• A survey
• Conveyancing fees
• Mortgage advice fees

That’s before we consider the emotional investment!

This is because in England and Wales the sale isn’t legally binding until exchange of contracts.

Here’s some good news, you may be able to transfer your mortgage offer to a new property.

This is subject to the details of the loan, purchase price and property remaining suitable.

If my homebuyer finds a new property, I can request an amendment to the mortgage offer - transferring it to a new property. The lender will request a valuation of the new property to ensure it remains suitable security.

When doing this, we will consider the expiry date of the offer to ensure that it remains suitable.

This will save you re-entering a full mortgage application process!

26/02/2026

Approximately 1.8 million homeowners across the UK will see their fixed-rate mortgage deals expire this year, forcing many who secured historically low pandemic-era rates to move onto a higher rate.

If you are one of the 1.8 million and aren’t sure regarding your position, options and the process - don’t hesitate to reach out for support.

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Sunderland

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+447359128151

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