Stephen Warner
Mortgage and protection adviser
Stephen helps first-time buyers, newly qualified professionals and high-net-worth clients arrange their mortgages. He particularly enjoys cases where understanding how a lender assesses income can make a difference.
Stephen's experience
Stephen has worked in financial services since 2016. His experience includes complex mortgage applications and helping professionals arrange finance early in their careers.
Much of this work involves understanding the details of a lender’s criteria. For clients whose finances don’t fit a straightforward application, those details can affect which lenders will consider them and how much they could borrow.
Areas of expertise
Mortgages for newly qualified professionals
High-net-worth mortgages
Complex income and lending circumstances
How Stephen works with you
Stephen enjoys working through more complicated applications. He looks closely at a client’s circumstances, checks the lender’s requirements and identifies anything that may need further explanation.
Where a case needs individual consideration, he puts it forward to the lender and explains why it deserves a closer look.
Qualifications
Certificate in Mortgage Advice and Practice (CeMAP)
How Stephen helped a self-employed client borrow more
The situation
A self-employed client needed a lender that would consider their pension contributions when assessing income from their business for mortgage affordability.
The approach
Stephen identified a building society willing to add the client’s pension contributions back to their net profit when calculating affordability.
The outcome
This increased the income the lender could consider, allowing the client to borrow more and secure a mortgage.
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