Let's Buy a Home

Need to borrow more for your mortgage but your income hasn't changed? This episode breaks down practical, realistic ways to boost your borrowing power without needing a pay rise. We cover:

• How reducing existing debts can significantly improve affordability

• Why extending your mortgage term could increase what you can borrow

• The importance of exploring the whole of the market (and why sticking with your bank could limit you) If you're planning to buy your first home or move up the ladder, this episode will help you understand how lenders assess you and what you can do to improve your position. 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's guest is housing campaigner Harry Scoffin, founder of Free Leaseholders. We unpack the complexities of the leasehold system, where the biggest issues sit and what needs to change. Harry shares his perspective on how leasehold impacts homeowners today, if leasehold flats are struggling to sell and what you should consider if you're buying or selling a leasehold property. Please note: the views and opinions expressed by Harry are his own. 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_/ Free Leaseholders Website: https://www.freeleaseholders.org.uk/ Follow on X: https://x.com/freeleasehlders

I'm joined by Ken and Mary from The Humble Penny, who became mortgage free in their 30s. We break down how they paid off their mortgage early in the UK, including the habits, discipline, and strategy that made it possible. We also explore a big question for homeowners: Should you overpay your mortgage or invest your money instead? Ken and Mary share how they balanced mortgage overpayments vs investing, and how this approach helped them build long-term wealth while working towards financial freedom. If you're wondering how to pay off your mortgage early, get on the UK property ladder, or improve your financial future, this episode is packed with practical advice. 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_/ The Humble Penny Follow Ken and Mary on Instagram here: https://www.instagram.com/thehumblepenny/

Follow Ken and Mary on Youtube here: https://www.youtube.com/@TheHumblePenny

In this week's episode of Let's Buy a Home, I'm joined by Daniel Knight (DanTheSurveyorMan) from Home Scan Surveyors to discuss why property surveys are one of the most overlooked but important parts of buying a home. We talk about what surveys actually uncover, why so many buyers skip them, and whether Japanese knotweed really is as bad as its reputation suggests. If you're buying a home or planning to soon, this episode could save you from some very expensive surprises. 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_/ Daniel Knight Follow Dan on Instagram here: https://www.instagram.com/pocketliving/ Pocket HomeScan Surveyors Find out more: https://www.homescansurveyors.com/

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This week's episode is all about the insurances you should consider when buying a home. Host Dan Knott is mortgage and protection adviser and talks through what is compulsory and what could be advisable. When you get a mortgage, you'll often hear about things like life insurance, income protection, critical illness cover and home insurance. But what do these policies do, and which ones really matter when you're taking on the biggest financial commitment of your life? In this episode we break down:

- The key insurances every homebuyer should understand

- Why life insurance is often linked to your mortgage

- The difference between income protection and critical illness cover

- The one policy lenders will require

- Common mistakes buyers make when choosing insurance Buying a home is exciting, but it's also a huge financial responsibility. Having the right protection in place can make sure your home - and your family are protected if life doesn't go to plan. Whether you're a first-time buyer, moving home, or remortgaging, this episode will help you understand the role insurance plays in protecting your mortgage and your future. Listen now to learn what cover you should seriously consider before you pick up the keys. 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_/

Can you really buy a London home for 20% less - with 100% ownership? In this week's episode of Let's Buy a Home, mortgagee adviser Dan Knott is joined by Pocket Living, the developer focused on helping London's middle-earning first-time buyers get onto the property ladder. They build and sell new homes at a 20% discount to market value - without shared ownership, rent, or part-buy/part-rent structures. You own 100%. In this episode we cover: - How the 20% discount actually works. - Who qualifies as a "middle earner." - The biggest challenges first time buyers face. - Leasehold considerations. - The pros and the potential compromises. If you're trying to buy in London and feel priced out, this is a conversation you need to hear. As always, this is about understanding your options properly before making big financial decisions. 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_/ Pocket Living Follow Pocket Living on Instagram here: https://www.instagram.com/pocketliving/ Pocket Living Find out more: https://www.pocketliving.com/ Subscribe for weekly UK property and mortgage insights.

This week mortgage adviser Dan Knott is joined by property investor and Property Week award winner James Gerrard to unpack one of the biggest questions in today's housing market: Who is buying up UK homes? We discuss:

• The reported price falls in Prime Central London

• Whether the UK housing market is cooling - or simply shifting

• The role of foreign investors and large institutions

• Why banks and corporate landlords are buying at scale

• What this means for middle earners trying to get on the ladder

There's a growing narrative that "regular buyers" are being squeezed out while big money moves in. But is that really what's happening? This episode cuts through the headlines and looks at what's changing - and where real opportunity still exists. If you're wondering whether the market is stacked against you… this is worth a listen. 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_/

James Gerrard Follow James on Instagram here: https://www.instagram.com/jamesgerrard/

Thinking about buying a home with no deposit? In this solo episode, mortgage adviser Dan Knott breaks down the reality of 100% mortgages and low-deposit options currently available in the UK mortgage market. We cover: - How Skipton's Track Record mortgage works - Accord's 1% deposit mortgage explained - Who these products are designed for - The compromises you may need to make - The risks of borrowing at 100% - Whether or not these schemes are a smart move Just because you can buy with little or no deposit doesn't always mean you should. If you're a first-time buyer wondering whether waiting to save is better than buying now, this episode will help you understand the trade-offs clearly and calmly. 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 on Let's Buy a Home, Dan Knott is joined by financial broadcaster and podcaster Georgie Frost for an honest conversation about renting, homeownership, and the money habits that shape her life.

Georgie shares how renting influenced her financial journey, why she didn't buy her first home until her 40s, and her very strong feelings about the Lifetime ISA. She also reveals the single money habit that's had the biggest positive impact on her life.

A must-listen for renters, first-time buyers, and anyone navigating modern money decisions. Subscribe for weekly conversations designed to help 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_/ Georgie Frost Follow Georgie on Instagram here: https://www.instagram.com/georgiefrostmoney/