Ben Hart
Mortgage and protection adviser
Ben helps first-time buyers and professionals arrange their mortgages, including those whose income or credit history makes finding a lender more difficult.
Ben's experience
Ben has worked in financial services since 2018. His experience includes helping people with adverse credit, income from overseas and circumstances that fall outside a lender’s standard criteria.
He also works with newly qualified professionals, including doctors and barristers, as they take their first steps into home ownership.
Areas of expertise
Mortgages for professionals
Foreign income and complex applications
How Ben works with you
Ben describes his approach as honest and friendly. He wants clients to know where they stand and aims to get their application completed as efficiently as possible.
He particularly enjoys solving tricky cases. If someone has struggled to find a lender, he likes looking closely at their circumstances to see what options may have been missed.
Qualifications
Certificate in Mortgage Advice and Practice (CeMAP)
How Ben helped a returning expat secure a mortgage
The situation
A client living overseas wanted to move back to the UK. They received income from both the UK and abroad, and several lenders had already turned them down.
The approach
Ben discussed the client’s UK and overseas income with a lender and secured agreement to consider the application outside its standard criteria.
The outcome
The client secured a mortgage for their return to the UK, despite the earlier refusals.
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