Daniel James Mortgage & Protection Advice

09/05/2023

Skipton is launching a deposit free mortgage for people who are currently renting but unable to save a deposit for their first home.

They do have a fairly strict policy on who is eligible for these mortgages but i am able to help you navigate through the process!

If you meet the below criteria and would like to know more about these products please get in touch with me

* Each applicant must be a first time buyer
* All applicants must be over 21 years old
* No missed payments in the last 6 months
* 12 month track record of paying Rent and bills without missed payments
* Cant be used to purchase New Build flats

The product requires a good credit history, but does not need the financial backing of family or friends.

17/03/2020

Advice on Mortgage Payments During Covid-19 Disruption

We’re offering advice and guidance completely free of charge for anyone concerned, we can also stay in contact regularly with updates directly to everyone who wants them!

If your concerned put your details in via the page below with a preferred contact method and I will be in touch

(Apologies about the makeshift page however it’s becoming difficult to reply and keep on top of messages across lots of different platforms)

11/03/2020

UK Banks are rallying to support customers affected by the coronavirus outbreak in UK

In a move to support customers affected some UK banks have already agreed to allow customers in financial difficulty to defer mortgage payments or access fixed savings without penalty

Please share with others so they know their options !

If you think you may need support and want more information feel free to get in touch

Email: [email protected]
Mobile: 07772299989

18/02/2020

Has your bank said no to a mortgage for your new home?

Don’t panic as mortgage brokers we see this a lot, but every bank has different criteria so even if your bank says no it doesn’t mean other will. We are experts in mortgage criteria and can find a lender who is the right fit for you! 🏡

14/02/2020

Are you purchasing a home in the near future?

Thinking of moving to a new home?

Maybe you have a mortgage already on a rate that’s no longer competitive ?

I’m often asked what will happen with mortgage rates during each potential outcome of Brexit, and to answer honestly I don’t know. Nobody does, however what we do know is that the uncertainty is causing a price war between lenders and the rates currently being offered are unbelievably low!

We can compare 1000’s of mortgage products instantly, and filter out deals your not eligible for after just a few questions for a quick and smooth process.

So if your thinking of buying your first home, moving to a new home or simply re-mortgaging get in touch with us and we can help find the right deal for you 🏠

13/02/2020

Are you struggling to find Life insurance after being diagnosed with Diabetes ?

Some clients I’ve worked with over the years have been disheartened when they have applied for insurance on their own and have been declined, after just a few simple questions and your most recent HBA1C reading we can find multiple suitable insurers and obtain an indicative price with each meaning you never pay more than you need to for your cover! 🙌

13/02/2020

Spent the morning with the Bank of England discussing Monetary policy to get ahead of any emerging trends in the Economy!

Stay tuned for more updates in the coming months that could impact the £’s in your pocket 💴

12/02/2020

Who would you ask to pay your bills?

Being self employed has its perks, one of those perks is definitely not time off sick! From experience I know how much this can affect small business’s and the lifestyle of a sole trader 🤯

To find out how you can lighten the load when you’re off work give me a call or message me on Facebook 🙋🏻‍♂️

11/02/2020

With technology forever changing how the world does things, we like to keep it personal 🙋🏻‍♂️

When it comes to your finances you should know and trust who you are dealing with, we still offer a face to face service so we can find out what’s really important to you and take time to explain how we can help ! 🏡

10/02/2020

We want to give back to those who Care for us and keep us safe 👩‍⚕️ 👨‍🚒 👮‍♀️ 💂‍♀️

Anyone who works within the Military, NHS, Police force or Fire Service can get free Mortgage/Insurance Advice through us for life! 🥳

07/02/2020

A quick guide on how to support your Friend’s and Family’s small business 💼 💫

06/02/2020

Are you paying £250 Per month too much for your Mortgage?

We searched for a £100,000 Re-mortgage for a property valued at £150,000 to compare mortgage deal from various “High Street Lenders”. We found that the cheapest fixed deal over a 5 year period was £399.47 while the most expensive deal was £563.24! 📈

If you were unfortunate enough to be on the more expensive deal you would be spending £9826.20 more than you could be 🚫

If you had taken a mortgage through a credit impaired lender not on the high street your payments could even be as high as £846 per month 😳

We Specialise in finding the most cost effective mortgage product for your circumstance’s saving you money 💰

*Mortgage Deals found were accurate as of 17/12/2019 and are subject to change at any time, not everyone will be eligible for the lowest rate products. High Street lenders are defined as banks or building societies with at least 1 Branch which offers mortgage services*