Sanjay Chats to AFP Mortgage Adviser About 10% Deposit Mortgages

Sanjay sits down with 'Uncle Dave' David Howarth from APF Wokingham to talk all things mortgages.

In this live podcast, Sanjay puts Dave on the spot to chat about 90% loan to value mortgages, advice for first-time buyers as well as first-time sellers and his predictions on interest rates for 2021/2022.

Why go to an independent broker rather than directly to a bank?

What are the benefits?

What is the time frame from a survey taking place to mortgage offer?

You can get in contact with Sanjay on his Partner Page.


Sanjay - 07821 039315

David - 0118 973 5479


Get in touch with us

Online valuations pull data from past sales but can’t assess your home’s upgrades, location, or buyer demand. That’s why they often mislead homeowners. For an accurate valuation and tips to maximise your sale price, a professional in-person assessment is key. Let's chat!

The UK housing market has always reflected the times, shaped by changes in the economy, society, and government policy. In 2025, buyers face challenges very different from those in the 1970s, though some aspects remain surprisingly familiar.

In this episode of The Investor’s Corner, we’re back for part two with James Dewar. We look into the basics and beyond of Bitcoin, focusing on protection, privacy, and the future of finance.

Tired of the 9-5 grind? This episode of The Investor’s Corner Podcast reveals how to transition from a secure £100,000 salary to building a property investment business that funds your lifestyle. Learn proven strategies, the BRRR method, financial tips, and how to scale your portfolio for long-term success.