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Dean Vaughan Mortgages

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Dean Vaughan Mortgages, Insurance broker, Unit 7, CK's Supermarket, Penclawdd, Swansea (Abertawe).

🏡 Whole-of-market mortgage & protection advice
Helping first-time buyers & self-employed clients get approved with clarity and confidence.
📍 South Wales & UK
🏡📞 Book a Call - https://calendly.com/dean-dvmortgages/discovery-call

03/11/2026

Broker vs bank

What's the difference between speaking to a mortgage broker and going directly to your bank?

Your bank knows its own mortgage criteria really well.
A broker can potentially look across different lenders and work out which one fits your circumstances.

Neither route needs to be complicated.
The important thing is understanding whether you're seeing one option or comparing a wider range of options.

Follow for more straightforward explanations of the bits banks and brokers sometimes make sound complicated

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

03/11/2026

Self-employed? Here’s what lenders really look at

If you're self-employed, lenders don't all assess your income in exactly the same way.
A sole trader might be assessed using profits.
A limited company director could potentially be assessed using salary and dividends, while some lenders may consider other figures depending on the business.

That's why simply putting your income into an online calculator doesn't always tell you the full story.

Self-employed and unsure what income a lender may use? DM me ‘Mortgage’ and I’ll help you understand it.

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

02/11/2026

How to know if you’re ready to buy

Want a quick way to know whether you're ready to start looking?

You've got some deposit saved.
Your monthly finances are under control.
You've got relatively stable income.
And you've spoken to somebody about what you could realistically borrow.

You don't need everything to be perfect.
You just need enough information to know you're looking in the right price range.

If you're wondering whether you're actually ready, DM me ‘Mortgage’ and let's find out.

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

27/10/2026

The mortgage offer arrives and everyone breathes out. The legal work may still have important stages to complete.

The important part is not finding a generic rule that sounds reassuring. It is understanding how the issue applies to your income, commitments, deposit, property and future plans.

That is where preparation and personal advice make the process clearer. A suitable mortgage should work on paper and remain manageable in real life.

Planning to buy a home? Message me “MORTGAGE”.

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ

23/10/2026

The biggest financial mistake first-time buyers make

One mistake I really don't want first-time buyers making is putting every penny they have into the house purchase.

Yes, you want the biggest deposit possible.
But you also need money left afterwards.

Boilers break. Cars break. Washing machines definitely seem to know when you've just bought a house.
Don't become a homeowner with absolutely no emergency fund.

Tag somebody who's currently trying to put every last penny into their house deposit.

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

22/10/2026

Saving the deposit is a major achievement. Then the legal, moving and ownership costs arrive.

The important part is not finding a generic rule that sounds reassuring. It is understanding how the issue applies to your income, commitments, deposit, property and future plans.

That is where preparation and personal advice make the process clearer. A suitable mortgage should work on paper and remain manageable in real life.

Planning to buy a home? Message me “MORTGAGE”.

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

22/10/2026

What happens after your mortgage is approved?

You've got your mortgage offer.
Brilliant.
But unfortunately, you don't get the keys tomorrow.

Now your solicitor finishes the legal work — searches, enquiries, contracts and dealing with the other side.
This is also where good communication becomes really important.

A mortgage offer is a massive milestone, but there can still be a few hurdles before moving day.

If you’re currently somewhere between mortgage offer and keys, save this — and follow for more on what happens next

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

21/10/2026

Why TikTok mortgage advice can cost you money

Yes, slightly ironic coming from somebody speaking to you in a short video.

But mortgage advice online should give you ideas — not tell you exactly what mortgage you need.
I don't know your income, deposit, credit history, family plans or circumstances from watching your TikTok account.

Use social media to learn.
Use personalised advice to make the actual decision.

Follow for the useful bits — but get proper personalised advice before making the big decisions

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

20/10/2026

Clients often worry that one takeaway or weekend away will ruin the mortgage. The bigger concern is usually the pattern behind the spending.

The important part is not finding a generic rule that sounds reassuring. It is understanding how the issue applies to your income, commitments, deposit, property and future plans.

That is where preparation and personal advice make the process clearer. A suitable mortgage should work on paper and remain manageable in real life.

Planning to buy a home? Message me “MORTGAGE

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

20/10/2026

How lenders actually assess affordability

Mortgage affordability isn't simply your salary multiplied by four or five.

Lenders look at your income, debts, loans, credit cards, childcare, financial commitments and sometimes even how long you want the mortgage for.
And every lender can calculate things slightly differently.

That's why two people earning exactly the same salary could potentially be offered very different mortgage amounts.

If you want a realistic idea of what you could borrow, DM me ‘Mortgage’.

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

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Dean Vaughan Mortgages is a trading style of Dean Vaughan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Dean Vaughan Limited is registered in England and Wales with company number 14809791. Registered Office: 72 Priors Way, Dunvant, Swansea, SA2 7UJ.

Address

Unit 7, CK's Supermarket, Penclawdd
Swansea
SA43XN

Telephone

07855784163

Website

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