Dave Horniblow

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.

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.

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.

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.

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.

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.