Q. What happens if I can’t pay my mortgage?

A.  Eventually, your property will be repossessed. You’ve seen the risk warning a million times.. “Your home may be repossessed if you do not keep up repayments on a mortgage”. But what does this actually mean, how do you get into this position, and more importantly, how do you avoid getting into this position? We[…]

Q. What’s better – fixed or variable?

A.  It depends on your individual circumstances. I love this question! My usual answer is “Let’s look after you and not worry about what’s happening in the big wide world”. With fluctuating interest rates not a huge problem at the moment (they’ve been pretty steady for over 6 years now) and an increase likely in[…]

Q. What kind of insurances do I need?

A.  It depends on your current situation. This is an area where a real conversation needs to take place. There are so many different answers to this question, that only an experienced adviser can provide the correct answer to this question. The answers will be completely different for a single person with no financial dependents,[…]

The Process

What’s the whole process of arranging a mortgage? Here is an overview of the track I follow to arrange any kind of mortgage… We have an initial conversation to get an overview of your situation and requirements. ↓ I’ll email you my compliance information and a Fact-Find form for completion. (See my Initial Disclosure Document here )[…]

Contact Des

So what are you waiting for? Call me now* !   Landline number : 0330 606 1455 (costs the same to call as 01 and 02 numbers.) Email : des@1stcall4mortgages.co.uk If you need to write or visit : 78 Hilmanton, Lower Earley, Reading, Berkshire, RG6 4HN.     *During office hours only, please. 9am to[…]


I advise and arrange all kinds of insurances and protection plans using a large range of insurers. If you can see what you want below, or want to insure either yourself or your property but not sure of exactly what you need or how to do it, simply call me to discuss your requirements.