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

Selling a home takes 4-6 months on average, but the right strategy can speed things up. Pricing correctly, great presentation, and expert marketing all play a role. Want to avoid delays and attract serious buyers? Read our latest guide for insider tips, or book a free valuation to get tailored advice from Avocado Property today!

A strong property portfolio isn’t just about owning multiple properties - it’s about making smart financial decisions that ensure long-term profitability.

Are you considering moving home in Tadley over the next 6 to 12 months? You may be a Tadley landlord deciding whether to grow your portfolio or sell off a few properties.

As we move into early summer 2025, Solihull's property market paints a bleak picture—especially for first-time buyers. Headlines scream that getting a foot on the ladder is harder than ever, and for many, that feels painfully true.