Davis & Co Financial Solutions Ltd

15/08/2026

When “manage your stress” and “self-employed mortgage application” are used in the same sentence. 😅🖍️

We see the effort. The lines are… going somewhere. Kind of like trying to explain your income to a mortgage advisor who’s never dealt with self-employed applicants before.

“Just send two years of accounts.”
“Can you explain this dip in year one?”
“Sorry, we can’t use your day rate as income.”

Sound familiar? For a lot of contractors, freelancers, and directors, that’s the real stress — not knowing if your income will even be understood, let alone accepted.

That’s the bit we actually specialise in.

✅ Lenders who get contractor & freelance income
✅ Flexible income verification, not rigid box-ticking
✅ No jargon, no judgement, no wasted applications

You’ve built a business on your own terms. Your mortgage should work the same way.

14/08/2026

Being self-employed shouldn’t mean being turned away. 🏡

If you’ve ever heard “come back with two years of accounts” or been told your income “doesn’t count” because you’re a contractor, freelancer, or Ltd company director — you already know how frustrating mortgage applications can be for the self-employed.

The truth is: most high street lenders just aren’t built for how you actually get paid.

That’s where we come in. At Davis & Co, we work exclusively with lenders who understand self-employed and contractor income — so instead of being seen as a risk, you’re seen as a client with a legitimate deposit and a real plan.

✅ Flexible income verification — no rigid box-ticking
✅ Contractor & freelance friendly lenders
✅ Competitive rates, not “self-employed penalty” rates
✅ A fast, straightforward process from start to finish

You’ve built your own income. You deserve a mortgage process that respects that.

📅 Book your no-cost, no-obligation consultation today.
🔗 www.davisfinancialsolutions.co.uk

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

11/08/2026

We made the national press the other week…what’s your thoughts on the non stop rate changes?

Experts have explained that it is 'where the market is heading'

10/08/2026

Calling all CIS Contractors...

Most mainstream mortgage lenders still don't understand CIS contractors.

That's not your problem to fix — it's mine.

If you're on the Construction Industry Scheme, you've probably run into some (or all) of this:

→ Being told you need 12+ months of CIS history before anyone will even consider you
→ Your income averaged down to whatever your worst period looked like
→ Being treated like you're "self-employed and risky" instead of a contractor with steady work
→ Brokers who don't know the difference between CIS, umbrella, and Ltd company contracting — and price you accordingly
→ Bigger deposits demanded for no reason other than "computer says no"

Here's what most contractors aren't told:

You don't always need a full year's trading.

Some lenders will work from as little as 3 months of CIS payslips, and there are ways to blend prior employment history in the trade to build the income picture faster.

Which lender fits depends entirely on your pattern of earnings, contract length, and history — get that match wrong and you either get turned down or under-assessed on income you're actually earning.

None of that is because your income is unreliable. It's because most advisers only know how to fit you into a box built for PAYE employees.

I work specifically with lenders who understand CIS contracting — how gross payments work, which calculation window suits your earnings pattern, and how to present your income properly so it gets assessed on what you actually earn, not what a rigid affordability model assumes.

If you've been turned down, quoted a rate that felt punitive, or told to "come back next year" — that's usually a broker problem, not a you problem.

Get in touch and let's see what you actually qualify for.

Jon Davis, Founding Director Davis & Co Financial Solutions Ltd.

01/08/2026

Did you know most high street banks want 2-3 years of accounts before they’ll even look at a self-employed mortgage application?

That’s a big problem if you only went self-employed 12-18 months ago.

The good news: there are lenders who’ll work with just ONE year’s accounts if the rest of your application stacks up.

If you’ve been turned away for “not enough trading history,” it might just mean you asked the wrong lender.

01/04/2026

Today is April Fool’s Day, so here are 10 ways to avoid getting caught out…

Method 1:
• …see more

22/12/2025

You’ve probably seen a lot of posts recently celebrating recent base rate changes and suggesting this is automatically great news for all mortgages and the property market so get selling and moving

It’s understandable — headlines like to keep things simple.

But here’s the reality most buyers and homeowners aren’t made aware of:

👉 Fixed-rate mortgages are no longer priced off the Bank of England base rate.

They’re primarily driven by:
• Gilt yields
• Swap rates
• Lenders’ funding costs
• Market expectations months (sometimes years) ahead

Which means a base rate cut does not automatically translate into cheaper fixed mortgage rates — and in many cases, lenders have already priced expected changes in long before they happen.

⸻

⚖️ And there’s another side to this story…

The base rate also directly affects savings rates.

So while borrowers might hope for lower mortgage costs:
• Savers may see returns fall
• Retirees relying on interest income feel the impact
• Cash ISAs and savings accounts can become less attractive

It’s not “good news all round” — it’s a balancing act, and the impact is different for every household.

⸻

🧠 This is why advice matters

Mortgage decisions today are about far more than headlines suggest.

Two people reading the same rate announcement can need completely different strategies, depending on:
• Fixed vs tracker preference
• Time remaining on a deal
• Risk tolerance
• Income stability
• Long-term plans

This is why it’s important to speak to a qualified mortgage professional, rather than relying on general property commentary.

Estate agents are experts at selling property.
Mortgage advisers specialise in lending, rates, risk, and long-term affordability.

They’re related — but they are not the same thing.

⸻

The key takeaway:

Interest rate news is useful context — but it’s not advice.

If you’re buying, remortgaging, or planning ahead, what matters isn’t the headline rate — it’s how the market actually prices mortgages right now, and how that fits your situation.

18/12/2025

Angmering Parish Council

Join Us for a Festive Family Christmas Celebration!

We are excited to bring you another chance to celebrate the season — whatever the weather!

All activities are FREE, including:
🎠 Funfair rides & sideshows
🎅 Santa’s Grotto — meet Santa and get an early present
🎨 Face painting
🍷 Non-alcoholic mulled wine
🌰 Hot roasted chestnuts
🔥 Toasted marshmallows
🍭 Candy floss & popcorn

Plus:
🛍 Christmas market for those unique last-minute gifts
🎟 Grand Raffle – £1 per ticket, with over 60 prizes from local traders and businesses!

Save the date — we can’t wait to see you!

🌐https://www.angmering-pc.gov.uk/events/entry/angmeringchristmas-2025

15/12/2025

Here’s something most people who’ve bought life insurance online don’t realise:

👉 Comparison sites don’t write your policy in trust.

You get a policy.
You pay the premium.
You assume your family is protected.

But one of the most important steps — making sure the money reaches your family quickly — is usually missing.

⸻

Why this matters

If a life policy isn’t written in trust, the payout:
• Becomes part of your estate
• Can be delayed by probate
• May take months to reach your family
• Arrives at the exact time they need it least

This isn’t about the policy being “bad”.
It’s about the process being incomplete.

⸻

Why comparison sites don’t do this

Writing a policy in trust:
• Requires explanation
• Needs guidance
• Involves understanding your family setup
• Can’t be done properly with a few tick boxes

So it’s usually skipped altogether.

Most people don’t even know it exists — let alone that it’s missing.

⸻

Same policy. Very different outcome.

Online policy (no trust):
❌ Delays
❌ Legal paperwork
❌ Added stress for your partner
❌ Money tied up when it’s most needed

Advised policy (written in trust):
✔️ Money goes directly to your chosen beneficiaries
✔️ Paid quickly
✔️ Outside your estate
✔️ Less admin, less stress

And here’s the key point:

👉 Writing a policy in trust doesn’t cost any more.

⸻

How I do it

When I arrange life insurance, writing it in trust is part of the process — not an optional extra.

✔️ No additional cost
✔️ No fees for protection advice
✔️ No charges for support or changes
✔️ Clear explanation, done properly

It’s simply how protection should be set up.

⸻

Already have life cover?

If it was bought through a comparison site, there’s a very good chance it isn’t written in trust.

📩 Message me and I’ll happily confirm whether your policy is written in trust and what your options are.

No pressure. No charge, Just clarity.