Liam Davies is a CeMAP qualified mortgage broker with 14 years of industry experience. He began his career as a bank manager before moving into independent broking to offer whole-of-market access. Liam specializes in complex income cases, adverse credit applications, and structuring finance for professional property investors.
Liam Davies understands that a mortgage is the biggest debt most people will ever take on, and he treats it with the gravity it deserves. Having worked through the credit crunch and the recent rate hiking cycle, he has developed robust strategies for securing finance in volatile markets. Liam specializes in helping clients who don't fit the standard 'vanilla' profile, such as self-employed directors, contractors, and those with historical credit issues. He possesses deep knowledge of lender criteria, knowing exactly which banks will accept retained profits or 100% of bonus income. His writing focuses on the mechanics of borrowing, explaining the risks and rewards of variable vs. fixed rates and the strategic use of offset mortgages. Liam also advises on property investment finance, including bridging loans for auction purchases and development finance for heavy refurbishments. He is a strong advocate for regular mortgage reviews, helping homeowners avoid the 'loyalty penalty' by switching deals proactively.