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 speak with their bank or building society before starting their home-buying journey to understand how much they may be able to borrow. However, when purchasing a new-build home, additional lending criteria may apply.

Mortgage lenders can have different requirements for new-build properties, including those relating to developer incentives, mortgage offer validity periods, deposit requirements, application timescales, and Shared Ownership eligibility criteria. As a result, it's important to seek advice that is tailored to your individual circumstances and the specific property you are considering.

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.