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


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If you are a Stevenage homeowner or landlord thinking about selling your property, one of the first questions you will ask is simple, how long will it take?

In early 2023, property forecasters predicted a significant UK housing downturn over the next two years, citing rising interest rates following Liz Truss's departure. Halifax expected an 8% drop, Savills predicted a 10% drop, and Nomura Bank forecast up to a 15% drop.

In both West Swindon and Purton, the property market has started the year with a steady hand. Homes are selling, buyers are active and transactions are moving but not in a rush. Right now, it’s not about hype. It’s about strategy getting your timing right, pricing with purpose, and understanding what else is competing with you.

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!