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Short version Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage Broker Reading is a trading style of 1st Call 4 Mortgages (UK) Ltd. Directors: Desmond Tourick and Paul Butler.  Registered address: 78 Hilmanton, Lower Earley, Reading, Berkshire, RG6 4HN. Registered in England and Wales under number 09333010. 1st[…]


I have helped many kinds of people achieve their property ambitions – from first time buyers to property portfolio owners….. Chris D, Great Missenden, Bucks (Company Director, IT support company, and professional landlord) – re-mortgaging an investment property I consider Des an essential partner to my ambitions for building a property portfolio. My situation is complex,[…]

Q. Why should I use a mortgage broker?

A.  For so many reasons! Here are the top 10 only… 1)  Access to the whole UK mortgage and insurance market through one source. 2) I work for you, not the mortgage lender. I’m on your side, and we both want the same thing for you. 3) Over 35 years of personal, hands-on, experience advising[…]

Q. I have a medical issue, can I get insured?

A.  Let’s ask the insurers! As life passes us by, things can happen to us medically. As a result, insurers may not offer everyone ‘standard’ rates. If this is the position you find yourself in, and want to investigate whether you are insurable, and at what cost, I can speak to the insurers for you.[…]

Q. How much are your fees?

A.  £495, only payable upon ‘full mortgage application’. Being British, we don’t like to speak about paying for services too openly. However, the Financial Conduct Authority, my regulatory body, requires that fees payable are published in an open and honest way, and stated at the earliest possible moment in the process. So what do you[…]

Q. Are you Independent/Whole of Market?

A.  Most definitely, absolutely, 100% yes! I am an Independent, Whole of Market mortgage adviser. What does that actually mean? ‘Whole of market’ means that I can use all lenders in the UK mortgage marketplace that accept mortgage adviser’s introduced business. Every large name lender you can think of usually allows mortgage advisers to place[…]

Q. Can I get a lender’s Decision in Principle?

A.  Yes you can, and you should! First of all, what is a ‘lender’s Decision in Principle? Sometimes called a DIP, and sometimes an Application in Principle (AIP), it is the confirmation that the chosen, recommended lender has provisionally agreed to lend to you (subject to satisfactory proof of income, credit scoring and/or searches, and[…]

Q. What do I need to do to get a mortgage?

A.  You will need to provide various items. To put you in the best possible position to obtain a mortgage, you will need to complete my fact-find form and provide various items that prove your identity, where you live and your income (for each borrower on the mortgage application). The whole process is also explained[…]

Q. Do we have to meet face-to-face?

A.  Not unless you insist. I deal with people all around the UK. To offer the best possible service to people, I try not to waste my time travelling to meet people personally. This makes me extremely efficient, as I’m always at my desk, helping people with their mortgage and protection needs. The compliance regime[…]

Q. How much will my mortgage cost?

A.  Use this calculator to find out. The mortgage deal you can get will be determined by many factors… the size of your deposit, the value of your property, how long you want to borrow over, and your credit profile are amongst the variables that lenders use to assess the risk of lending to you.[…]