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PD Finance provides expert mortgage advice across the UK. Whether you're a first-time buyer, looking to re mortgage, self-employed, or managing credit challenges, we offer personalised guidance with full FCA regulation and a friendly, supportive approach. Your free consultation is always obligation-free.
First-time buyers | Home Movers | Re-Mortgages | Self- Employed | Buy 2 Let | Shared Ownership | Investment Landlords | Adverse Credit Mortgages | Porting Mortgages | Protection |
Why choose PD Finance?
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Whole-of-market mortgage advice
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Flexible appointment options – phone, video, home or office
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Clear, honest guidance with no jargon
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Personal support from first chat to completion
Latest Mortgage Guides & Insights
Market News
Older first-time buyers make up growing share of market.
According to data from Santander, 22% of first-time buyers in 2025 were aged 40 and over, up from 18% last year. The bank said the average age of first-time buyers has been getting closer to 40 in recent years, and there was also a notable increase in people over 60 getting onto the property ladder for the first time. The share of first-time buyers aged 60 and over was up 14% year-on-year. The oldest first-time buyer seen by Santander was 70 years old, compared to 67 in 2024.
Santander said that although there had been changes in lending policy and regulation to help younger people get onto the property ladder, the proportion of buyers aged 25 and younger had declined sharply in the last year, down by 23% on last year. Still, the youngest first-time buyer of 2025 was 18.
By - Mortgage Solutions - November
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BEN WILCOX
Cannot recommend highly enough. We had a very difficult time with the mortgage for the house we wanted. Paul and the team were with us every step of the way; both professionally and personally. The piece of my mind my family and I got from having Paul in our corner vastly outweighed any cost.
You’re only going to win with PD Finance.
IACOCB DANUT
I would 100% recommend to seek Paul as your mortgage advisor due to his incredible work ethic. He does everything in his powers to look after his customers and that was obvious at every step in our process. Always quick to reply and most importantly for us very helpful regardless of how "silly" the questions from us have been. Thank you Paul.
KIMBERLEY CURD
Fabulous! Our mortgage was particularly hard work and Paul was really reassuring and explained everything in detail each step of the way. Thank you
ELLIE ROSE DAVIS
Cannot rate Paul highly enough. As first time buyers, we felt quite overwhelmed going into the process of buying our first home but Paul put us at ease straight away and has walked us through every step of the process. He is always happy to chat things through or answer any questions and is so quick to respond and get the process moving. We are so grateful to Paul and would recommend him to anyone and everyone ⭐️
FAY SHIRLEY
We’ve had such a positive experience with Paul. He has made the whole process so straightforward and stress-free. He’s incredibly knowledgeable, always on hand to answer any questions, and explains everything clearly and patiently. His attentive and helpful approach has made such a difference. We’d highly recommend him to anyone looking for a smooth and supportive mortgage journey.
KRISH SHARMA
I had an amazing experience with Paul, he’s very meticulous and helped me every step of the way :). I would highly recommend him to anyone.
PROM
Paul is amazing! Extremely knowledgeable and provides pragmatic advise. Highly recommend PD Finance
FELICITY WOOD
Paul has been truly amazing 🤩
He has been so helpful, and is far more than a mortgage broker. He has guided us the whole way and explained processes in detail. His response time is very impressive! and puts up with my 3am queries 😂
He listened to everything we needed and found us a cracking deal. We could not have achieved the same without him. We will 100% continue to use Paul in the future and highly recommend him to anyone looking to get a mortgage/ remortgage.
JACK GIFFORD
Couldn’t ask for more, reliable friendly advice! Thanks again for all your help, will definitely use again in future and recommend to others
FIASAL MUSTAFA
THANK YOU!
First class service, I’ve had a very positive experience with Paul. He’s very knowledgeable, great communicator and supportive throughout the entire process. The process of getting the right mortgage can be stressful but I always felt I was in safe hands. Paul went above and beyond to help me, he’s been brilliant and I’d recommend his services to anyone.
Thank you, Paul and I’ll be in touch in 5 years.
ALEXANDRA BONDORET
Paul did an amazing job getting us our mortgage offer. He is very transparent, well informed and communicates with his clients very well. He's very good at what he does.
LORRAINE
Paul Dean came to us highly recommended. His professionalism, knowledge, time taken, patience and guidance has been second to none.
Nothing was too much trouble, he instilled confidence in an area that can seem pretty daunting and I would not hesitate to recommend him to my family and friends.
5 ⭐️⭐️⭐️⭐️⭐️
