David
Mortgage Broker (CeMAP)
Helps clients find the right mortgage and guides them through every step, from the first consultation to getting the keys.
- CeMAP qualified
- FCA regulated
- Whole of market
Mortgage advice that gets you home.
Whole-of-market mortgage and protection advice from a CeMAP-qualified broker. We search the market for you, explain every step in plain English and stay with you until you have the keys.
No obligation
Free consultation
4.7★
Trustpilot rating
Whole
of market lender access
Free
Initial consultation
CeMAP
Qualified advice
What we do
Mortgages for every stage of life.
From your first home to your next investment property, we help you find the right lender across the whole UK market.
First-time buyers
Step-by-step guidance, deposit planning and access to lenders who specialise in helping you onto the ladder.
Learn moreMoving home
Port your existing mortgage or secure a better deal as you move. We handle the timing, paperwork and lender.
Learn moreRemortgage
Fixed rate ending? We start looking up to six months early so you never roll onto a costly standard variable rate.
Learn moreBuy-to-let
Mortgages for rental property — in your personal name or through a limited company, for one property or a portfolio.
Learn moreSelf-employed
Self-employed, company directors, contractors or a complex credit history — we know which lenders will assess you fairly.
Learn moreProtection & insurance
Life cover, critical illness, income protection and home insurance — protecting your home if life changes.
Learn moreHow we work
Four steps. No surprises.
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Step 01
Free consultation
A call or meeting to understand your goals, your income and your timeline. No fee and no obligation.
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Step 02
Whole-of-market search
We compare high-street banks, specialist lenders and broker-only deals to find the right fit for you.
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Step 03
Application
We package and submit your application, deal with the lender and keep you updated at every stage.
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Step 04
Keys in hand
We work with your solicitor through to completion — and get in touch before your fixed rate ends.
Why Proximity
Advice you can actually trust.
We started Proximity Financial to give every client clear, honest mortgage advice — no jargon, no pressure and no surprises at completion.
FCA reference number
FRN 938412
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Whole of market
We work with lenders across the whole market, so we look for the right deal for you, not the easiest one for us.
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Always reachable
You deal directly with your adviser, who answers your questions quickly and keeps you updated without you having to chase.
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Qualified advisers
Advice comes from CeMAP-qualified advisers at an FCA-regulated firm.
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We stay in touch
We diary your rate end date and contact you well before it, so you never drift onto the lender's standard variable rate.
Meet the team
Qualified, trusted and easy to talk to.
Evan
Administrator
Looks after paperwork and application progress, keeping things moving smoothly with lenders and solicitors.
Milda
Content & Client Relationships Manager
Makes sure every client feels heard and creates helpful guides about buying and financing a home in the UK.
Client reviews
What our clients say.
“Great service! David is always reachable, unlike other mortgage advisors I’ve worked with in the past. He was professional, responsive, and made the whole process much easier. I would definitely recommend him to anyone looking for reliable mortgage advice.”
“I cannot recommend Proximity Financial highly enough. We received excellent advice and guidance from our very first conversation and throughout the entire process of buying our house. Communication was excellent, and we felt supported every step of the way.”
“David has been absolutely brilliant in helping us secure a mortgage. He guided us throughout the whole process, not one question was left unanswered, and kept us up to date with every detail - even after we acquired our house. We have no complaints and would highly recommend the company as a whole.”
“I had an excellent experience with David at Proximity Financial. From start to finish, he was professional, knowledgeable, and always available to answer any questions. He explained everything clearly, made the whole mortgage process feel much less stressful, and always gave honest advice based on what was best for me.”
“From the start of the process to the end, the service provided was excellent. He works efficiently and is lightning quick to respond to any questions you ask. He explains everything step by step in a clear way, making sure it’s fully understood, while always remaining patient and approachable.”
“Very good company. Trustworthy and professional. We dealt with David for the first time and he has answered each question without judgement and has helped us purchase a house whilst being friendly and professional. Would recommend 100%.”
Frequently asked
Answers before you call.
Can I get a mortgage if I’m not a UK national?
Yes. Many lenders accept applicants with a visa, or with pre-settled or settled status under the EU Settlement Scheme. Requirements vary — some lenders look at how long you have lived in the UK and at your credit history. We'll assess your situation in a free consultation.
Do I need a deposit?
Not necessarily. Some lenders offer mortgages without a deposit, so not having one doesn't mean you can't buy. Having a deposit usually gets you a lower interest rate. If you do have one, it needs to come from a verifiable source — savings, a gift from family or the sale of a property. We'll look at which options suit you.
How much can I borrow?
Depending on your income, profession and the lender, you may be able to borrow up to around 5.5 times your combined annual income. The final amount depends on your commitments, outgoings and credit history. Our mortgage calculator gives you a quick estimate.
How long does the mortgage process take?
From application to mortgage offer usually takes 2–4 weeks, and a full purchase through to completion typically takes 8–12 weeks, depending on the solicitors and the property chain.
Can I get a mortgage if I’m self-employed?
Yes. Most lenders want two years of accounts (Tax Calculations and Tax Year Overviews), but some accept one year. Limited company directors can be assessed on salary and dividends or on company profits.
What documents will I need?
Photo ID, proof of address, your last 3 months of payslips and bank statements, your P60 and proof of deposit. If you're self-employed, Tax Calculations and Tax Year Overviews. We'll give you an exact list after your consultation.
How much do your services cost?
The initial consultation is free. A standard broker fee of £699 is payable for mortgage advice; we will agree when it is payable before any work starts.
Ready to take the first step?
Book a free, no-obligation consultation with a qualified mortgage adviser. No jargon and no pressure.