Dave has been working with Advisory Financial Services since January 2000 giving him about 25 years experience helping many hundreds of satisfied customers. He offers professional and reliable advice on Residential and Buy to Let mortgages and has a wealth of knowledge about how customers can not only buy their home but also afford to keep it no matter what life throws at them. Dave offers a personal service, is available 7 days a week, and will see the application through from financially qualifying the client to securing the mortgage offer. 

Why is using a broker different?

Many customers have spoken to their bank or building society and have discussed what they can potentially spend on a property, but often this information is not accurate when the customer actually wants to go ahead and buy their home. This is because the mortgage lenders will only be able to advise on their own products and there may well be cheaper or more suitable deals elsehere. There may also be different rules when it comes to certain specialist properties particularly in regard to builder incentives, offer length, deposit amounts , application timescales and the unique qualification rules that come with Shared Ownership.

What will be discussed?

Dave will talk to you about the value of the property, the amount of deposit you can supply, any scheme you might be using to assist your purchase, the mortgage amount needed and the income, credit commitments and credit history you have which would support this borrowing. The purpose of this conversation is to discuss your qualification and affordability for the new home. Your data is held under the strict auspices of the data protection act and GDPR and copies of your DPA information is available on request.

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