Hi, I'm Dan

Twenty years of mortgages. One way of working.

I've spent 20 years arranging mortgages, and these days I specialise in buy to let: limited company structures, portfolio landlords and HMOs in particular. I'm an adviser at CSC Financial Ltd, which is authorised and regulated by the Financial Conduct Authority, so you get specialist advice with proper oversight behind it.

You'll notice I say "I" on this website, never "we". That's deliberate. People buy into people, and when you work with me you get one point of contact from first chat to completion: no call centres, no being handed from department to department, no chasing someone who's never heard of your case. Just me, the person who knows your deal inside out.

And I'll always be honest with you. If a deal doesn't stack up, I'll tell you, and show you the numbers so you can see why. I'd rather lose a fee than put you into the wrong deal, because the landlords I work with tend to come back for property two, three and ten.

The promises behind the paperwork

Mortgage advice is a trust business. These are the standards I hold myself to on every single case, first-time landlord or fifteen-property portfolio.

• One point of contact: you deal with me from first chat to completion. No call centres, no hand-offs.
• Honesty first: if a deal doesn't stack up, I'll tell you and show you the numbers, even if it means no fee for me.
• Plain English: no jargon without an explanation. (And there's a whole Jargon Buster if you want one.)
• Structured properly: SPV or personal name, stress tests, rental cover. The boring details done right, before you commit.
• Transparent on money: a free initial chat, £495 on completion, and every lender fee disclosed in writing.
• Built for the long term: I structure today's deal with tomorrow's portfolio in mind.