Choosing the right mortgage is one of the most important financial decisions you’ll make - and getting the right advice can save you time, money and stress. At Prime Estates, our in-house mortgage adviser Dee Bahra (CeMAP) brings over a decade of experience to your side. Whether you’re buying your first home, moving up the ladder or looking to remortgage, Dee offers clear, impartial advice with access to the whole of the market - not just one lender.
Sorting your mortgage early makes the entire buying process smoother. At Prime Estates, Dee offers independent, in-house mortgage advice - helping you make confident financial decisions from the start. Whether you're buying your first home, upsizing, remortgaging or investing in property, we'll help you navigate the market and find a solution that suits your needs and goals.
Dee has over a decade of experience in the mortgage and protection sector. He’s worked with leading high-street estate agencies including Dixons and Shipways before joining Midas Financial Planning in 2016. Now based at both our Castle Bromwich and Yardley offices, Dee provides trusted, whole-of-market mortgage advice with a clear, no-pressure approach.
Appointments can be made in-branch, over the phone, or via video call to suit your schedule.
Dee and the team can help you:
Mortgage and insurance advice is provided by Midas Financial Planning, a trading style of Quilter Financial Planning Ltd, which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.
It’s easy to get overwhelmed with rates, lenders and terms. But starting with a quick chat can help you:
Whether you’re buying through us or elsewhere, we’ll guide you every step of the way.
Repayment Mortgage: The most common type. Your monthly payments go toward both the interest and the property itself. By the end of the term, you’ll own your home outright.
Interest-Only Mortgage: Less common, usually for investment properties. You pay just the interest each month, but you’ll still owe the full loan amount at the end.
Fixed Rate Mortgage: Your payments stay the same for a set term - usually two, three or five years - giving you stability and peace of mind.
Variable or Tracker Mortgage: Your payments can change based on interest rates. These often start cheaper, but can rise unexpectedly.
Discount Rate or SVR Deals: These follow a lender’s own standard variable rate, sometimes with a discount at the start.
Lenders typically offer up to 4.5 times your annual income - but affordability is based on more than salary alone. They’ll review your spending habits, credit profile and future costs too. We can help you understand what’s realistic, and what might affect your application - from subscription spending to previous credit history.
This information helps us get you an accurate picture of what’s available and what’s affordable.
“We secured our mortgage with Dee’s help and the process was stress-free from start to finish. Highly recommended!” - R. Cox, First-Time Buyer
“The in-house adviser explained everything in plain English and helped us move quickly when we found the right property.” - Mr and Mrs Khan
Whether you're just getting started or you're ready to make an offer, our mortgage advice is here to make things easier. Contact us today:
