UK Mortgage Advisor: The Ultimate Guide To Getting A Mortgage In 2025

In this episode we have UK Mortgage Advisor, Dan Knott who has helped hundreds of first time buyers secure their first mortgages. In this episode we discuss: How credit impacts your mortgage options Whether you can use stocks, crypto, pensions, side hustle income for a mortgage Getting a mortgage as a self-employed person What to do if you're a struggling landlord What to do if you're remortgage is coming up Stamp duty changes and more 🔗 Connect with Dan: Instagram:   / dandoesmortgages_   Linkedin:   / dan-knott-1740b31b0   📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL 🤝 Sponsor Tide - Earn 3.81% AER Variable on your business savings here: https://glnk.io/91954/ato8fr You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. New Tide members receive a 0.77% AER boost on the standard 3.04% AER on unlimited balances until 01/06/25, after that the standard rate applies with no interest earned on balances over £75,000. Rates correct as of 06/02/2025. Terms and conditions apply. Visit tide.co/savings for up to date rates. 🤝 Partners Yesim - Get €5 off any plan with my code: savvy5 https://bit.ly/41OAO6i Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️(The investing platform I use) Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. ⚡️Hargreaves Lansdown ⚡️ http://hl.7eer.net/B0mz50 Capital at risk ⚡️Interactive Investor ⚡️ https://prf.hn/click/camref:1101l3RTL... Capital at risk Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. ➡️ Follow Savvy Wallet on: Instagram:   / savvywallet   TikTok:   / savvywallet   🎙 Listen to The Savvy Wallet Podcast on: Apple Podcasts: https://podcasts.apple.com/gb/podcast... Spotify: https://open.spotify.com/show/140VU4f... TIMESTAMPS 0:00 - Savvy Wallet Ad 0:18 - Preview 1:23 - Intro 1:59 - Meet Mortgage Advisor Dan Knott 5:33 - The amount of first time buyers in 2024 vs 2023 7:52 - House prices in 1997 was 5x salary 10:07 - Tide Ad 11:41 - Labour’s pledge to build 1.5 million homes 12:57 - Things you should think about prior to getting a Mortgage 15:08 - How your credit score & report impacts mortgage options 20:05 - The impact of a missed payment, default or CCJ 22:57 - Buy Now Pay Later & Mortgages 28:52 - How to improve your credit score 29:45 - What other information is important for a mortgage? 31:44 - How much mortgage can you get with your income? 38:40 - Using crypto, stocks, pensions or property for a mortgage 43:35 - Can side hustle income be used for a mortgage? 45:47 - Any income or deposit sources a lender wouldn’t consider? 48:34 - How do lenders determine affordability? 52:10 - Can car finance stop you getting a property? 56:15 - How is the term length of a mortgage determined? 1:01:09 - Getting a mortgage as a Self-employed person 1:04:34 - Don’t attempt Mortgage fraud 1:06:38 - If you start a new job can you get a mortgage? 1:08:29 - Does business experience impact your mortgage offer? 1:09:29 - How a mortgage advisor can help you to get the best interest rate 1:13:39 - What to do if you’re struggling landlord 1:15:24 - What to do if your remortgage is coming up? 1:20:38 - Stamp duty changes 1:25:23 - Fixed mortgages: 2 year vs 5 year 1:26:55 - How to choose the right mortgage advisor 1:28:16 - Final words Other EPISODES to watch: EP. 155 - Investing Expert: The Only 2 Investments You Need to Build Wealth & Get Rich! - Pensioncraft    • Investing Expert: The Only 2 Investments Y...   EP. 151 - Financial Therapist: Don't Let Money Control You! How To Master Your Money In 2025!    • Financial Therapist: Fix This To Start Sav...   EP. 150 - Debt Expert: The Truth About The UK Debt System! This Is How They Trap You in The Debt Cycle! ft. Oye    • Debt Expert REVEALS The Exact Steps To Get...   Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. #thetakeoff #businesspodcast #motivationalpodcast