Beau Davenport MA · Specialist Mortgage & Protection

What we build together, seven areas as you climb:

Buying or moving home · Buy-to-let · Portfolio landlords · Shared houses and small blocks · Limited company · Self-employed and complex income · Protection

The ascent / what we build together

140M

01 / 07

Buying or moving home

First-time buyer, climbing the ladder or remortgaging. The right lender for where you are, and the legwork handled for you.

02 / 07

Buy-to-let

Personal name or limited company, set up so the rent covers what lenders need it to cover, including at a higher interest rate.

03 / 07

Portfolio landlords

Four mortgages or forty. Reviewed together and refinanced as one plan, so your properties work as a portfolio rather than as separate deals.

04 / 07

Shared houses and small blocks

Property let room by room, or a building split into several flats. Many high street lenders will not lend on these. I take them to lenders who do.

05 / 07

Buying through a limited company

Borrowing held in a limited company set up to hold property, placed with lenders who understand company applications.

06 / 07

Self-employed and business owners

One year of accounts, profit left in the business, or income from more than one source. Read properly by a person, then placed with lenders who assess income this way. Lender criteria apply.

07 / 07

Protection built around the borrowing

The cover that keeps your home, the portfolio and the family standing if the worst happens.

Why it works

Specialist advice for the cases the high street declines.

Portals and the high street run everyone through the same filter, and property or self-employed income rarely fits it. Here is the difference.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

A comparison site or your bank

·Everyone runs through the same filter
·One lender, one rigid set of criteria
·Affordability run through a blunt computer rule
·Protection bolted on as an afterthought
·You chase the update

Working with Beau

+Your case read by someone who knows the lenders
+The right lender for the case, from a broad panel
+Affordability and lender chosen around your real numbers
+Protection built around the borrowing and the family
+I see the application through to completion

Talk it through

A short call about what you are buying, refinancing or protecting, and the full picture: income, structure, plans.

Search and structure

I find the lender and shape the case to fit, then come back with the options and the real numbers.

Application

I handle the paperwork and the lender from offer to completion, and keep you posted at each stage.

Completion and cover

Through to the keys, with protection in place so the plan holds if life changes.

The person on your case

Beau Davenport

Mortgage and protection adviser

Based in Heywood, Greater Manchester, advising clients UK-wide through Milecross Financial Solutions. Member of the Chartered Insurance Institute (Society of Mortgage Professionals). Your case is handled by me from the first call to completion.

Qualified

Mortgage and protection adviser, member of the Chartered Insurance Institute (Society of Mortgage Professionals).

Regulated

Mortgage and protection advice provided through Milecross Financial Solutions Ltd, an appointed representative of The Openwork Partnership. Full regulatory details in the footer.

Where

Greater Manchester based, advising clients UK-wide.

What clients say

Don't take my word for it.

5.0

★★★★★

8 reviews on Google

★★★★★

"As a first time buyer I was completely overwhelmed with everything going on. Working with Beau made everything so seamless his communication and passion made the whole process 10 times easier. I couldn't recommend Beau highly enough. He was an absolute pleasure to deal with."

G Google review

★★★★★

"Beau was extremely professional, responsive and supportive throughout my mortgage process. He helped me navigate through a tough situation and kept me updated every step of the way, making everything far less stressful! His knowledge and persistence made a huge difference and I genuinely don't think I could have got it done without his help. Highly recommend to anyone, thank you Beau!"

G Google review

★★★★★

"Very efficient service from start to finish. We applied for a remortgage and Beau came to speak with us, arranged everything very quickly, and secured a great rate. Always on top of the situation and responding promptly. Would highly recommend"

G Google review

★★★★★

"Beau was great. Straight forward, patient and gave good knowledge and advice. Would recommend highly."

G Google review

Read all 8 reviews on Google →

Plan the payments

What would it actually cost you each month?

Move the sliders. The figures update as you go, including what happens to the payment if interest rates change before you lock in a fixed rate.

Amount borrowed

£25k£1m

Interest rate

0.25%10%

Term

yrs

3 yrs40 yrs

Deposit you have

£0£500k

£1,425

a month

Repayment mortgage over 25 years at 4.75 percent, with the rate staying the same throughout.

Property price this suggests£300,000

Your deposit covers17%

Total paid over the term£427,588

Of that, interest£177,588

What you repay1.71× the amount borrowed

The amount borrowed Interest

If the rate were different

at 3.75%

£1,285

−£140 a month

at 4.75%, as set

£1,426

your figure

at 5.75%

£1,573

+£147 a month

This is an illustration, not a quote. It is not a decision in principle and it is not an offer of a mortgage. It assumes one rate for the whole term, which is rarely how a mortgage works in practice, and it does not include fees, insurance or any other costs. What you can borrow depends on a lender assessing your own circumstances.

Check what you could actually borrow A 30 minute call, no obligation.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The top floor

Every route up ends in one conversation.

However you got here, the next move is the same: a short, straight chat about what you are buying, refinancing or protecting, and how to fund it.

Call 07517 274706 Email me

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No obligation · 30-minute call · Manchester and UK-wide