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

If you have ever thought about selling your Binfield home, chances are you have been tempted to push the asking price a little higher than advised. After all, it’s your biggest tax free asset.

As we are now half way through 2025, it's certain the Henley housing market has been more restrained than the post pandemic 24 months of summer 2020 through to July/August of 2022

The BBC’s Undercover Estate Agent exposed shocking practices in major UK estate agencies, revealing a culture driven by profit over people. From hidden fees to unethical sales tactics, it’s clear the system is broken. At avocado property, we’re here to do things differently - with trust, care, and transparency.

Thinking of selling or just curious about your home’s value? I’m Alistair, your local Bicester estate agent with Avocado Property. I offer free, no-obligation valuations and honest advice—no pressure, just clarity. Here’s what to expect, how we get paid, and why the right agent truly matters.