Mortgage & Protection Adviser
Certificate in Mortgage Advice and Practice | Self-Employed & Complex Income Specialist
Dave specialises in providing mortgage and protection advice, helping home buyers, remortgage clients, landlords, self-employed clients and those with complex income or more specialist mortgage requirements.
Dave Cockle is a Mortgage & Protection Adviser at The Residential Mortgage Hub, with more than 20 years of experience across banking, mortgages and property finance, and a particular focus on helping self-employed clients and those with complex income.
Alongside his expertise in self-employed and complex income mortgages, Dave advises clients on residential mortgages, including home purchases and remortgages, as well as buy-to-let and more specialist property finance requirements. He also provides protection advice, helping clients consider how best to protect themselves, their families and their mortgage.
Dave holds the Certificate in Mortgage Advice and Practice, achieved with Distinction, and a Diploma in Lending from The Chartered Banker Institute, also achieved with Distinction. He has held senior positions with major UK financial institutions, including Lloyds Banking Group, Santander and RBS Invoice Finance, alongside director-level roles within the mortgage and property finance sector.
Alongside his work in financial services, Dave also serves as an On-Call Firefighter with Surrey Fire and Rescue Service.
His approach is practical and straightforward, taking the time to understand each client’s individual circumstances and guiding them through their mortgage options from initial enquiry through to completion.
Dave is a qualified mortgage and protection adviser with more than 20 years of experience across banking, mortgages, commercial finance and specialist property funding. His career includes senior management and director-level positions across major UK financial institutions and the property finance sector.
Qualifications
Career experience
Outside financial services
Yes. Dave specialises in helping self-employed clients with their mortgage options. Different lenders assess self-employed income in different ways, so Dave can review how your income is structured and identify lenders whose criteria may suit your circumstances.
It depends on the lender. While many lenders prefer two or more years of trading history, some may consider applicants with a shorter track record. Dave can assess your circumstances and identify the options available to you.
Yes. Lenders can assess company director income in different ways, including salary, dividends and, in some circumstances, retained profits. Dave can review your company and personal income to establish which lenders may be appropriate.
Potentially. Some lenders can consider multiple sources of income when assessing affordability. Dave can review how your income is made up and identify lenders whose criteria are suited to more complex income structures.
Yes. Dave specialises in helping self-employed clients, including those with a shorter trading history. Some lenders may consider applicants with just one year’s accounts, depending on the circumstances. Dave can review your income, trading history and overall position to identify lenders whose criteria may be suitable.
No. Dave is based in Surrey and works with clients throughout the UK. Mortgage and protection appointments can be conducted by telephone or Microsoft Teams, so you can receive advice regardless of where you are based.
