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

Many people like you get stuck in that “almost ready” stage. You want to move, you’ve registered with agents, you might even have seen some dream homes online… but your current property still isn’t on the market.

If you’re thinking about selling your home but don’t feel ready to book a valuation just yet, you’re not doing it wrong; you’re doing it honestly.

I’m pleased to share that I’ve been shortlisted for the Negotiator Awards 2025, Regional Agency of the Year: South West. Representing Avocado Property Swindon, this recognition reflects my people-first approach, built on honest advice, clear communication, and a commitment to supporting clients throughout their move.

Are You Googling Things Like: “Should I reduce my asking price?” “Why isn’t my house selling?” “How to sell my home faster without dropping the price?” If so, you’ll be one of many. But before you agree to a reduction, let’s look at what else might be holding things back.