- Top 3 Mortgage Adviser in UK - Unbiased 2021
When Other Brokers Say No, We Find a Way
If you’ve been turned down by your broker, that doesn’t have to be the end of the road. Many clients come to me after being declined elsewhere — and still end up getting a mortgage with the right guidance and support.
Why Choose Me?
I Don’t Give Up After One No
Most brokers move on if you don’t fit right away. I take the time to understand your situation and build a plan that works for you.
Clear, Honest Fee
No hidden costs. One flat brokers fee, and if I can’t get you an answer within 24 hours of receiving your documents, there will be no charge.
Award-Winning Advice That Works
Over a decade of experience, thousands of buyers helped, and voted top 3 mortgage adviser in the UK by Unbiased.
Who I Am and Why I Help?
An Award-Winning Adviser with a Different Approach
We often hear stories about how a broker was able to help. Client who has been declined by their bank.
But what happens when the broker says no?
This is where I come in. I am an award-winning adviser with over a decade helping thousands of buyers get onto the property ladder.
Trusted by Those Who've Been Told No
Most of my business is what I would call 2nd line referrals.
Clients come to me after being recommended by friends and family after being declined by either a bank or a broker.
If you go to a lender direct and are declined, most mortgage lenders direct you towards a company called Unbiased.
Unbiased link you with trusted mortgage brokers throughout the UK based on location. In 2021 they voted me into the top 3 mortgage advisers in the UK.
When the Broker Says No
What Happens When Your Broker Can't Help?
If you go to a broker and get declined there isn’t any firm I know of, who then refer you onto other mortgage brokers. They often put the blame onto you as clients.
Quite often though, the reason for not being able to obtain a mortgage isn’t because you aren’t able to get a mortgage. It’s that the broker you’ve spoken to may not have access to the right lenders for your circumstances or some advisers may focus on an immediate sale and may not explore all the options available and move on, especially if your situation requires more time or expertise.
At Muuvin I work with my clients and provide guidance to get you to a point of being mortgageable. Some clients I’ve worked with over years before getting them into a property.
I am looking for lifetime value and wanting you to return throughout your mortgage journey.
The Real Reasons People Get Declined
Sometimes, It’s Not You – It's Them
Sometimes the reasons for a decline are outside of the brokers control, they may have a limited panel, restricted advice permissions or in other cases, it may come down to a lack of experience or attention to detail.
Why Understanding Criteria Matters
Knowledge of Lender Criteria Can Change Everything
Understanding lenders criteria is crucial in your success to getting on the property ladder. Take CIS contracters for example, a lot of lenders will treat you as self-employed which means they look at your net profit declared on your tax return. However some lenders will take your earnings from the contract which is prior to expenses.
If I go to a lender and key you as self-employed they may decline you. They won’t turn around and say “Dan key them as employed and it will go through”. The reliance is on me as a broker understanding the lenders criteria and how they interpret your situation. This is just 1 example though amongst many.
My Process & Promise
Let’s Work Out the Truth – Together
What I need to do first of all is establish is it you or is it them?
Once we know what went wrong, I’ll tell you exactly what we need to do to move forward.
Unlike other specialists, my proposition is the same. £395 as a one off broker fee. However, I will go a step further and say if I cannot get you a yes or no decision within 24 hours of receiving all your information and documents, There is no charge.
Sometimes a "No" does mean "No", however there are a lot of situations where you may actually qualify for a mortgage.
Declined Insurance Too?
We Can Help with That as Well
I work with a panel which is representative of the whole of market and I can obtain terms with providers a lot of other brokers don’t have access to.
Like-wise some networks and firms charge you more per month in order to receive a high commission. You may be paying a higher amount monthly than you need to.
I prioritise securing the most suitable protection for you, without inflating the cost for personal gain.
Services
How else can we help?
Buying your first home? We’ll guide you through the process step by step.
Time for a better deal? Let’s make sure you’re not overpaying.
Selling and buying? We’ll help make the move seamless.
Secure the right insurance to protect what matters most.
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Ready to take the next step?
Take the first step to receiving award-winning mortgage & protection advice from a trusted local expert.