More than twenty years of awkward mortgage cases.
I'm David Bourne. I've been arranging mortgages since 2004, these days from an office at Stockley Park in Uxbridge, for clients all over the country. A good part of my work is the cases other brokers would rather not take on.
How I ended up doing this
I have spent most of my working life in mortgages, and the part I enjoy is not the straightforward ones. It is the case where the numbers do not present neatly, where something happened three years ago that still shows on a credit file, and where somebody has already been told no by a bank that never really looked.
Those cases take longer. They need someone who knows which lender will read the explanation rather than score the application, and who will pick up the phone to an underwriter instead of clicking submit and hoping. That is the work I have built up over twenty years, and it is why people are sent to me.
Most of my work still arrives the way it always has: somebody I helped years ago passes my number on. Some of the people on the reviews page have been clients for many years, and that is the part of the job I am proudest of.
How I work
You deal with me from the first call to the offer. Not a case handler, not a call centre, not a different person each time you ring. If you want to know where something has got to, you ring the number at the top of this page and I answer it.
I will tell you the truth about your situation, including when the truth is that today is not the right time to apply. I would rather say that on a first phone call than take you through an application that was never going to work and leave you with another decline on your record.
The regulated bit, in plain English
Bourne Financial Options Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd. That means they are responsible for the advice I give, they check the work, and there is a complaints process and compensation scheme behind it. You can look both of us up on the Financial Services Register — my firm reference is 988277 and theirs is 535515.
The company is newer than I am. Bourne Financial Options Ltd has been an Appointed Representative since 5 December 2022; the twenty-odd years of advising are mine, not the company's.
My advice is not free of charge in every case, but the first conversation always is, and any fee is agreed with you in writing before you commit to anything.
Where I am, and how to reach me.
The office is at Stockley Park in Uxbridge, though most of my clients never come to it — phone and video work perfectly well for this, wherever you are in the country.
Everything practical lives on the contact page: the number, what to have to hand before you ring, and what to do if you cannot talk freely when you call.
Have a chat before you decide anything.
Tell me the situation and I will tell you honestly whether I can help.