Author Profile
Dean Fleming
CeMAP-qualified Mortgage Broker · DFMB · 12+ years in UK financial services
Dean works with clients on residential and buy-to-let mortgage applications at DFMB and writes Personal Finance Clarity's mortgage and credit content. His articles are grounded in direct experience of lender criteria, MCOB conduct rules, and the FCA regulatory framework — not theory.
Guides written by Dean (14)
All articles below are written by Dean and reviewed by the Personal Finance Clarity Editorial Team. Read our editorial policy and methodology for how we research and verify each piece.
- Overpaying Your Mortgage vs Saving: How to Compare Net Returns
- Offset Mortgages: When They Make Sense (And When They Don't)
- Guarantor Mortgages: Are They Still a Thing in the UK
- What to Do If Your Mortgage Valuation Comes Back Low
- What to Do If a Lender Withdraws Your Mortgage Offer
- UK Mortgage Process: Timeline From Offer to Completion
- Self-Employed Mortgages: What Lenders Want to See
- How to Compare Two Mortgage Deals Properly (APR vs True Cost)
- Help If You're Facing Repossession: UK Support Routes
- Divorce and Mortgages: Options If One Person Wants to Keep the House
- Why Your Mortgage Application Is Taking So Long: UK Mortgage Timelines Explained
- Remortgage Rejected: Why Applications Are Declined and How the Process Works
- Mortgage Arrears: What Happens Before and After a Missed Payment
- Can You Get a Mortgage With Credit Card Debt? (UK Reality Check)