Your adviser
Meet Stephen Kerrigan
Stephen is the adviser behind Doncaster Mortgage Man. He works with buyers and homeowners across Doncaster and the surrounding DN postcodes, with a particular focus on cases other brokers or high-street banks have already turned away — complex income, adverse credit, and applications that have previously been declined.
- Doncaster& surrounding DN areas
- Freefirst conversation
How we work
Four things we do differently
We check criteria before we apply
Speculative applications leave footprints on your credit file. We establish where you actually fit first, then apply once, to a lender whose rules match your situation.
Plain English, not jargon
LTV, AIP, ERC, SVR — the language exists to describe simple things. We translate, so you can make a decision rather than nod along.
We'll tell you when the answer is no
If a mortgage doesn't stack up right now, we'd rather say so and give you a plan to fix it than take you through an application that fails.
Rooted in Doncaster
We know the DN postcodes, the housing stock and the local employers — including the shift patterns and contract work that confuse national lenders.
Common questions
About us, answered
Who is Stephen Kerrigan?
Stephen Kerrigan is the mortgage adviser behind Doncaster Mortgage Man, advising buyers and homeowners across Doncaster and the surrounding DN postcodes. He specialises in cases that have already been declined or that involve complex income.
Do you charge a fee for mortgage advice?
The first conversation is free and carries no obligation. If you go ahead, we'll set out clearly how we're paid — by the lender, by fee, or both — before you commit to anything.
Are you independent, or tied to certain lenders?
We search across a wide range of lenders rather than one bank's own shelf, including specialist lenders that don't deal with the public directly. We'll explain the scope of the search at your first appointment.
Do you only work with people in Doncaster?
We're rooted in Doncaster & surrounding DN areas and see clients locally, but we can help people across the wider UK by phone or video — the advice is identical, there's just less travel involved.
Tell us what's blocking you
Free, no obligation, and we'll be straight with you about whether we can help.
Speak to Stephen