Independent Mortgage Adviser
Whole-of-market mortgage advice tailored to your life — not just your credit score.As an independent mortgage adviser with access to the whole of the UK mortgage market, I’ll find, arrange, and manage the right mortgage for you, from your first call to your first night in your new home. Based in Newquay, Cornwall, I work with clients across the UK.
How I approach your mortgage
Finding the right mortgage isn’t just about finding the lowest rate. As an independent, whole-of-market mortgage adviser, I’ll search the full UK mortgage market, not just a handful of lenders, to find the most suitable deal for your circumstances, your income, and your goals.
I’ll handle the paperwork, liaise with the lender, estate agent, and your solicitor, and keep you updated throughout. My job is to make what can be a stressful process feel as straightforward as possible, wherever in the UK you’re buying.
First-Time Buyers
Buying your first home is one of the most exciting things you’ll ever do, but it can also feel overwhelming, especially if you’re not sure where to start or what you can realistically afford.
I take the pressure off from the very beginning. I’ll start by helping you understand exactly how much you can borrow, what deposit you’ll need, and what the full costs of buying look like — so there are no surprises along the way.
If you’re making use of schemes like Shared Ownership or the Mortgage Guarantee Scheme, I can advise on these too — making sure you’re using every option available to you.
Moving Home
Whether you’re up-sizing for a growing family, downsizing now the children have left, or relocating to somewhere new, moving home is a big financial step, and the mortgage landscape may have changed significantly since you last bought.
I’ll search the whole market to find the most suitable deal for your new purchase, and guide you through the process from Agreement in Principle to completion — liaising with your lender, solicitor, and agent every step of the way.
Remortgage
If your current mortgage deal is coming to an end — or already has — you could be sitting on your lender’s Standard Variable Rate (SVR), which is almost always higher than the deals available elsewhere. A remortgage could save you hundreds of pounds a month.
But remortgaging isn’t just about chasing a better rate. People remortgage for all sorts of reasons: to consolidate debts, to free up money for home improvements, to change the term of their mortgage, or simply to move to a more flexible product. Whatever your reason, I start with a proper look at your full financial picture.
I’d recommend starting the conversation around 4–6 months before your current deal expires — this gives me time to research the market, manage the application, and have your new deal ready to go the moment your old one ends, with no gap and no penalty.
And if you arranged your original mortgage elsewhere, that’s absolutely fine — I’m happy to take over from here.
You may have to pay an early repayment charge to your existing lender if you remortgage before your current deal ends.
Buy-to-Let
The buy-to-let market continues to attract landlords looking for both rental income and long-term capital growth. Whether you’re buying your first investment property or expanding an existing portfolio, the mortgage options — and the rules around them — are different from standard residential lending, and it’s important to get the right advice.
If you’re a first-time landlord, I’ll walk you through everything: how buy-to-let lending works, how rental income affects borrowing, how to structure things efficiently, and what costs you need to factor in from the start.
If you’re an experienced landlord, I can help you review your existing portfolio, reassess your lending arrangements, and find the most competitive deals across multiple properties — saving you time and money as your portfolio grows.
Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
Shared Ownership
Shared ownership is a government-backed scheme designed to help people who can’t quite afford to buy a property outright. You purchase a share of the property — typically between 25% and 75% — and pay rent on the remaining share, which is owned by a housing association.
It’s a practical way onto the property ladder for many buyers, but it comes with its own set of rules and its own mortgage products — not all lenders offer shared ownership mortgages, and the criteria can differ significantly from a standard residential purchase.
I have experience arranging shared ownership mortgages and will make sure you understand the full picture: what you’re buying, what your rent obligations are, and how and when you can purchase additional shares (known as staircasing) in the future.
Self-Build
Building your own home is one of the most rewarding things you can do — but it requires a very different kind of mortgage. Unlike a standard purchase, a self-build mortgage releases funds in stages as your build progresses, rather than as a single lump sum.
Getting the right self-build mortgage means matching the draw-down schedule to your build plan, making sure you have adequate funds at each stage, and choosing a lender who genuinely understands the self-build process. There are fewer lenders in this space, which makes specialist advice all the more important.
Whether you’re using a contractor, acting as your own project manager, or doing some of the work yourself, I’ll help you find the right product and structure your application in the way that gives you the best chance of approval.
Bad Credit Mortgages
A history of credit issues — missed payments, defaults, CCJs, or a previous bankruptcy — doesn’t automatically mean you can’t get a mortgage. But it does mean you need specialist advice and access to lenders who understand your situation.
The standard high street lenders tend to take a conservative approach to credit history. But there are specialist lenders who look beyond a credit score and take a more complete view of your circumstances — your current income, your stability, and how long ago any issues occurred.
I work with a wide range of lenders including specialists, including specialists in adverse credit, and I know how to present your application in the most favourable way. I’ll be honest with you about your options, what rates to expect, and what steps you might take to improve your position over time.
Rate Review & Product Transfers
Most mortgage deals last two, three, or five years — and when they end, lenders tend to roll you onto their Standard Variable Rate, which is rarely competitive. A rate review is simply making sure that never happens to you.
I proactively contact our clients around 4–6 months before their deal expires, reassess the market, and find the best available option — whether that’s a product transfer with the existing lender or a full remortgage to a better deal elsewhere.
If you’re not currently a client but your deal is ending soon, I’m happy to carry out a free review of your current rate and show you what’s available. There’s no obligation, and it could save you a significant amount every month.
Holiday Let Mortgages
Cornwall is one of the most popular holiday destinations in the UK, and holiday let properties can generate strong rental yields — particularly if they’re well-located and marketed effectively. But holiday let mortgages are a specialist product with different rules around income assessment, occupancy, and lender eligibility.
Unlike buy-to-let, where rental income is assessed on long-term tenancy agreements, holiday let lenders look at projected short-term rental income — which can be higher, but also more variable. I’ll help you understand how your property will be assessed and which lenders are most likely to consider your application.
Whether you’re buying a holiday let for the first time or looking to remortgage an existing one, I’ll find the most suitable product and guide you through the process from start to finish.
Additional Borrowing & Porting
If you need to borrow more against your existing home — for an extension, renovation, or other large expense — additional borrowing (sometimes called a further advance) may be possible with your existing lender, or you may be better off remortgaging to a new deal that includes the additional amount. I’ll assess both options and recommend the most cost-effective route.
If you’re moving home and want to take your current mortgage deal with you, that’s called porting. Not all mortgages are portable, and even when they are, your lender will still need to reassess your circumstances. I’ll check whether your current product can be ported, handle the application, and top up the borrowing if your new property costs more — finding the most suitable additional deal for the difference.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage.