Dave Horniblow

Hello, I'm Dave Horniblow, a Birmingham-based mortgage and protection broker who provides customized financial advice to both individuals and businesses.

My role as a mortgage advisor with GHL Direct gives me access to thousands of mortgage products from over 50 of the UK’s leading mortgage lenders. Among them are exclusive products that your current bank might not be able to offer. Using our live booking form, you can schedule a fee-free no-obligation consultation at a time and date that is convenient for you.

The process of booking an appointment takes less than 30 seconds. My goal is to help you determine how much you can borrow and the maximum mortgage you can comfortably afford without having to visit branches and wait weeks for a response. Every step of the way, I will ensure you receive friendly financial advice from an experienced, fully qualified financial advisor.

What Dave can help you with

  • First time buyers, remortgages, buy to lets and home movers
  • Life insurance, home insurance and critical illness insurance
  • ghl-direct-review-2
    "Dave communication with myself was excellent. He understood that I worked odd and long hours and planned our communications around my work fantastically. He responded to emails/messages and phone calls promptly and understood our position well."

    Richard Thorley

    via reviews.co.uk

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Expert advice in 3 simple steps

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Booking an appointment to speak with Dave Horniblow takes less than 30 seconds.

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Get an idea of how much you can borrow and the maximum mortgage you can comfortably afford.

And guide you through

You will be supported every step of the way by a friendly and fully qualified financial advisor.

mortgage broker

Rated as excellent 4.98/5

  • How soon can I schedule a call?

    Flexibility is what we are all about, so you can schedule a free chat with Dave Horniblow whenever and wherever is best for you. It’s completely stress-free, with no phone queues, travel costs, or weeks of waiting.

    Using our live booking service, you decide when it is convenient for you.

  • How can I get advice

    To be as flexible as possible, I offer telephone-based advice, Zoom, Microsoft Teams and WhatsApp video consultations anywhere in England and Wales.

    As a mortgage broker in Birmingham, I am also able to offer face-to-face and in-home appointments in the local area. If you need mortgage or insurance advice, I’ve got you covered.

  • How long is the meeting?

    You can expect your initial meeting with Dave Horniblow to last up to one hour, though the complexity of your situation will determine how long it takes. Generally, mortgages will take under 30 minutes, insurance may take longer, but at this point it’s simply getting to know you and seeing what we can do for you.

  • What do I need to prepare

    Having any questions ready, as well as financial documents (such as savings or bank statements) can help you get the most out of your time with your financial advisor. For mortgages, if you’ve already found a home, it will be helpful to have information on the deposit and value.

    You might be asked for details about your medical history and how much you’d like to protect.

  • What does it cost me?

    The initial meeting with a GHL Direct financial advisor to discuss your needs is always at our advisor’s expense and without obligation. Our mortgage advisors charge based on the complexity of each case.

    Some mortgage brokers charge an up-front flat fee between £195 and £499, while others take commission from the lender or bank providing the loan. All of this will be explained to you by your mortgage advisor at the start of the meeting.

  • Why use a mortgage advisor

    Whether you’re buying your first home, expanding your property portfolio or remortgaging, our mortgage advice can be a significant help. Taking professional advice can make the difference between a successful mortgage application and being rejected.

    It may also lead to a much better value deal as we have access to over 50 of the top mortgage lenders in the UK. This may save you thousands of pounds over the mortgage term. We can even source exclusive products that your bank or building society may not offer.

View our free financial guides for an easy to read introduction on the services we offer.
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Dave Horniblow | GHL Direct
07795 815 807
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Your home or property may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.