Meet Lee - Senior Mortgage Adviser
Lee brings nearly three decades of financial services experience to his role as a senior mortgage adviser.
He began his career in 1996, working within the risk departments of major investment banks, where he developed a strong understanding of financial markets and risk management.
In 2004, after passing his CeMAP qualification, Lee transitioned into mortgage advice and spent nearly a decade advising clients at First Union Mortgages. He expanded his financial knowledge further by earning his CeFA qualification in 2008.
Since 2014, Lee has been part of the DDFS team, where his deep industry insight and analytical background allow him to guide clients through even the most complex mortgage scenarios with confidence.
Known for his calm, professional approach, Lee ensures every client receives clear, tailored advice based on their unique circumstances.


Read Lee's articles...

HSBC Buy to Let Top Slicing Policy Update 2025 | New Rules
HSBC UK has enhanced its Buy to Let (BTL) mortgage offerings by introducing 'Top Slicing', effective from 6th October. This innovative policy allows applicants to use personal disposable income alongside rental income to meet affordability criteria, making it easier for professional landlords and investors in lower yield areas to secure funding. With a minimum income requirement of £50,000 and a stressed Interest Cover Ratio of 110%, this update aims to unlock greater mortgage opportunities for those who may have previously struggled to qualify. Discover how this change can benefit your property investments.

BM Solutions Energy Efficient Mortgages: New Band B Criteria 2025
BM Solutions has updated its Energy Efficient Home mortgage criteria, effective from 3 October 2025, now requiring properties to achieve a minimum Energy Efficiency rating of Band B (81 or higher). This change aims to promote sustainability in the UK housing market by incentivising landlords to improve energy performance. While properties rated Band C may still access standard mortgage products, those with higher ratings can benefit from competitive rates and tailored support. Understanding these updates is essential for homeowners and landlords looking to optimise their mortgage options.

Accord Mortgages BTL Product Transfer: Lower Rates 2025
Accord Mortgages has introduced significant changes to its Buy to Let (BTL) product transfer range, effective from 26 September 2025. Landlords can benefit from lower rates on 3-year and 5-year products, while end dates have been extended to 31 January, providing increased flexibility. This update offers an excellent opportunity for existing customers to secure better deals, particularly for medium and long-term plans. However, those considering 2-year terms may face a slight rate increase. For full details, visit Accord's website or contact their team for tailored advice.

Pepper Debt Consolidation Remortgage Case Study 2025
Discover how a tailored debt consolidation remortgage transformed the financial stability of a professional couple in their 50s. Struggling with a high variable interest-only mortgage and over £31,000 in debt, they sought expert guidance to regain control. By consolidating their debts into a manageable £130,500 repayment mortgage with a fixed rate, they streamlined their finances and secured long-term home ownership. Learn how this strategic approach not only eased their monthly budgeting but also provided peace of mind for the future. Explore the benefits of debt consolidation and remortgaging today!

Best Buy to Let Remortgage Rates UK 2025 – Deal Direct
In this insightful case study, we explore how a landlord successfully navigated the complexities of remortgaging his buy-to-let property just days before his fixed-rate mortgage expired. Facing the risk of reverting to a costly Standard Variable Rate (SVR), he opted for a swift rate switch with his existing lender, securing a competitive 3.28% fixed rate for 20 years. This strategic move not only preserved his rental income but also provided flexibility for future market reassessment. Discover how timely decision-making can safeguard your investment and maintain cash flow in the buy-to-let market.

Virgin Money Cuts Mortgage Rates Sept 2025 | New BTL Deals
Virgin Money announces significant reductions in fixed mortgage rates, effective from 23 September 2025, catering to UK homebuyers, remortgagers, and buy-to-let landlords. With competitive rates starting from 2.83% and new fee-saver options, borrowers can benefit from lower monthly payments and flexible choices. This update marks an opportunity for first-time buyers and seasoned landlords alike to secure favourable terms in a dynamic market. Explore how these changes can enhance your mortgage strategy today.

TSB Mortgage Rate Increases
TSB Bank has announced significant rate increases for selected Product Transfer and Additional Borrowing mortgages, effective 24 September 2025. Homeowners considering a product switch or seeking additional funds should act swiftly to secure current rates before the deadline. These changes mainly affect existing customers with medium to high loan-to-value ratios. With flexible porting options and generous bonus income criteria, TSB remains an attractive option for borrowers. For tailored advice, contact our mortgage experts today.

Halifax Self-Employed Mortgages: 1-Year Accounts Accepted
Halifax has introduced significant changes to its mortgage criteria for self-employed individuals for the 2024/25 tax year, allowing applicants to use just one year's income evidence. This update aims to enhance mortgage accessibility and flexibility, particularly for newly self-employed borrowers. Key features include the acceptance of 1-year accounts, no averaging of income, and tailored assessments based on net profits. These changes position Halifax as a leading choice for self-employed individuals seeking competitive mortgage options and support in navigating their unique financial situations.

Co-operative Bank Mortgage Rates Rise
The Co-operative Bank is set to increase rates on its Mainstream and Buy to Let fixed-rate mortgage products effective 24 September 2025. Key changes include up to a 0.14% rise in residential mortgage rates and continued flexibility in lending criteria, catering particularly to first-time buyers and those with unique employment situations. Prospective borrowers should act swiftly, as current rates will be withdrawn by 5pm on 23 September 2025. For tailored advice, get in touch with our team today.

Foundation Home Loans Flexible Mortgages 2025
Foundation Home Loans offers innovative mortgage solutions tailored for UK borrowers with complex income profiles. By recognising...

TSB Mortgage Rate Increases Sept 2025 – High LTV Changes
TSB has announced an increase in fixed mortgage rates for selected residential and affordable housing products, effective from...

Santander Mortgage Rates Rise Sept 2025: FTB Products
Santander has announced crucial changes to its mortgage offerings, effective 19 September 2025, impacting first-time buyers...

Vida Homeloans Withdraws BTL Products: 2.82% Sept 15 End
If you are considering applying for a BTL mortgage or switching products with Vida, it is essential to...

Kensington Flexible Income: 1 Month Job, 1 Year Accounts
Their new Flexible Income Solutions are tailored for freelancers, contractors, portfolio earners, and others with unconventional...

Kensington Withdraws Products: £2M Loans, Sept 16 Deadline
All Residential Select and Core 3-year fixed rates with no fees are being withdrawn from the Kensington...