Let's Buy a Home

Why are Black British households significantly less likely to own a home than White British households?
This week, mortgage adviser Dan Knott is joined by financial educator Mr MoneyJar to discuss one of the UK’s biggest wealth inequalities and what can be done to address it.
We explore the role of systemic barriers, generational wealth, the Bank of Mum and Dad, cultural factors and why the length of time a family has been in the UK can have a significant impact on wealth accumulation and homeownership opportunities.
This conversation isn’t about pointing fingers, it’s about understanding thechallenges many people face when trying to buy their first home and having an open discussion about the solutions.
Topics covered:

- The Black British homeownership gap.

- Wealth building and financial education

- First-time buyer challenges in the UK.

- Generational wealth and family support.

- Cultural influences on homeownership.

- Mortgages and affordability.

- Practical ways to improve financial outcomes.

If you enjoyed the episode, please like, subscribe and leave a comment sharing your thoughts.
Follow Let’s Buy a Home for weekly conversations helping you buy a house andmake it a home.
Mortgage AppointmentBook a FREE mortgage appointment with Dan here:
⁠https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call⁠
Dan Knott
Follow Dan on Instagram here:⁠https://www.instagram.com/dandoesmortgages_/⁠

Mr Money Jar - Rotimi Merriman-JohnsonFollow Mr Money Jar on Instagram here:https://www.instagram.com/mrmoneyjar/
The Mr Money Jar Show: PodcastFind the podcast on Spotify:https://open.spotify.com/show/4iO5j7VoYYkEemyleLnu00

Buying a home isn’t just about saving a deposit.

There are plenty of additional costs that can catch first-time buyers offguard. That isn’t because they’re hidden, but because nobody has told you aboutthem yet.

In this episode of Let’s Buy a Home, I’m breaking down the real cost of buyinga property in the UK, including:

• Conveyancing fees

• Survey costs

• Stamp Duty

• Mortgage arrangement and product fees

• Valuation fees

• Buildings and life insurance considerationsIf you’re saving for your first home, it’simportant to budget for more than just your deposit. Knowing what to expect cansave you money, stress and disappointment further down the line.
If you enjoyed this episode, don’t forget to follow, subscribe and share itwith someone who’s planning to buy their first home.
Mortgage Appointment
Book a FREE mortgage appointment with Dan here:
https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call
Dan KnottFollow Dan on Instagram here:
https://www.instagram.com/dandoesmortgages_/

Thinking about buying your first home but struggling to afford it?
This week on Let’s Buy a Home, I’m joined by Jo Short of the National Shared Ownership Campaign and Keaze, to break down one of the UK’s most misunderstood homeownership schemes.
We cover:

- What shared ownership actually is

-  Who can benefit from the scheme

- How buying shares in your home works

- The pros and potential drawbacks

- Common myths that stop people considering it

- Whether shared ownership could help you get on the property ladder sooner
If you’re a first-time buyer trying to understand your options, this episode is packed with practical advice to help you decide whether shared ownership is right for you.
New episodes every week, helping you buy a house and make it a home.
Mortgage Appointment
Book a FREE mortgage appointment with Dan here:
https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call

Dan Knott Follow
Dan on Instagram here:
https://www.instagram.com/dandoesmortgages_/

Jo Short
Find Jo on LinkedIn:
https://uk.linkedin.com/in/shortjo

 
Find out more about Keaze:
https://keaze.com/

Getting a mortgage when you're self-employed doesn't have to be difficult. In this episode of Let's Buy a Home, I explain everything business owners, sole traders, limited company directors and freelancers need to know before applying for a mortgage. We'll cover: - How lenders assess self-employed income. - How many years of accounts you'll usually need. - Dividends vs net profit for limited company directors. - What expenses can mean for your mortgage. - Common mistakes that can reduce your borrowing. - Practical tips to improve your chances of approval.

Whether you're buying your first home or your next one, this episode will help you understand how the mortgage process works when you're your own boss. Subscribe for more first-time buyer advice, mortgage tips, and honest property conversations. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/

What does a property finder actually do, and could one help you find your ideal home?

In this episode of Let's Buy a Home, Dan Knott is joined by London property finder Lexie Carducci to discuss how buyers can make better property decisions.

They explore what a property finder does, how to get the most from property viewings, areas of London worth considering, and the key red flags that could save you from making an expensive mistake.

If you're buying a home in London, or simply want to become a more confident buyer, this episode is full of practical advice you can put into action. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/ Lexie Carducci Follow Lexie on Instagram here: https://www.instagram.com/lexiecarducci/ Find Lexie's website here: https://www.lexiecarducci.co.uk/

Buying a home can feel overwhelming, but it doesn't have to be. In this episode of Let's Buy a Home, I answer three real listener questions: - Should I add my partner to the mortgage? - Should I clear my debt before buying a home? - Should I use the homebuyer scheme? Expect straightforward, jargon-free mortgage advice to help you make informed decisions and buy with confidence. Have a question you'd like answered? Get in touch - it could feature in a future episode. Subscribe for more first-time buyer advice, mortgage tips, and honest property conversations. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call

Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/

This week, Let's Buy a Home goes LIVE from the London Home Show with a panel focused on some of the biggest affordable home buying schemes available today. Joining the conversation: - Jennifer Cobley discussing Shared Ownership - Jenny Anson breaking down Discount Full Ownership - Zai Jimoh explaining London Living Rent We cover: - Who these schemes are actually designed for - The pros and cons buyers should know - Deposits, affordability and eligibility - The biggest misconceptions first-time buyers have If you're trying to get on the property ladder in London or want to understand the affordable housing options available in 2026, this episode is packed with practical insight from people working directly in the industry. As this was recorded live at the London Home Show, you may notice some background noise and variations in audio quality but the conversation was too valuable not to share. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/ Share to Buy Find out more about Share to Buy here: https://www.sharetobuy.com/ Places for People Find out more about Places for People: https://www.placesforpeople.co.uk/ Pocket Living Find out more about Pocket Living: https://www.pocketliving.com/ L&Q Homes Find out more about London Living Rent: https://lqhomes.com/

This week on Let's Buy a Home, we're joined by HomeWithMo, the Instagram creator sharing the real story behind home renovations and the finances that come with them. We dive into her renovation journey so far, the reality of managing budgets, dealing with the "renovation police" online, and the pressure to create a perfect home. We also explore a bigger question: will buying or creating your dream home actually fix the problems you think it will? A honest conversation about property, money, expectations and what really matters. Follow the podcast for weekly episodes on buying, renovating and owning your home. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/ Monalisa Quaidoo Follow _homewithmo on Instagram here: https://www.instagram.com/_homewithmo/

Saving for a house deposit can feel like the hardest part of buying your first home but it doesn't have to be. In this solo episode of Let's Buy a Home, I break down practical ways to build your deposit faster and smarter. We cover: - How the Lifetime ISA can help boost your savings - What a gifted deposit is and how it works - Why speaking to a mortgage adviser early can save you time and stress - What deposit you actually need to get started - Common mistakes first-time buyers make when saving If you're wondering whether homeownership is realistic for you, this episode will give you clarity and a plan to move forward. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/

In this episode, we're joined by Dani from Home At Last, a service dedicated to guiding first-time buyers through every step of the homebuying journey, right through to getting the keys. We dive into how tailored home searches, assisted viewings, and expert negotiation support can make a huge difference when navigating the London property market. We also explore one of the biggest questions for buyers: where should you actually buy in London? Dani shares insights into popular and up-and-coming areas for first-time buyers and how to balance budget, lifestyle, and long-term value. If you're thinking about buying your first home in London, this episode will give you clarity, confidence, and practical next steps. Mortgage Appointment Book a FREE mortgage appointment with Dan here: https://calendly.com/danknottmortgageadviser/mortgage-appointment-strategy-call Dan Knott Follow Dan on Instagram here: https://www.instagram.com/dandoesmortgages_/ Home At Last Follow Home At Last on Instagram here: https://www.instagram.com/newhomeatlast/ Find out more about Home at Last: https://www.newhomeatlast.com/