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Gaurav Shukla
He specialises in mortgages for athletes, entertainers and high net worth individuals, where income is rarely straightforward and lender appetite varies wildly.
In financial services since 2012 and mortgages since 2015, Gaurav has worked across estate agency brokerages, wealth management firms and fintech startups. That gives him an unusually wide view of how lenders, advisers and technology actually behave, rather than how they say they do, and means he can speak to the mechanics behind a rate move, not just its headline.
He gives plain English analysis and firm views, with no fence sitting and no press release language, and is reliable on tight deadlines.
Media Coverage
Daily Express
Content creators ‘can get a mortgage’ like anyone self-employedA broker said many people in the industry think they can’t apply
Daily Mirror
People with mortgage deals ending soon ‘should act now’Continued global tensions mean nothing is set in stone
North Wales Live
NatWest mortgage rule change announced - eligibilityNatWest has introduced a significant new offer
Daily Express
NatWest 'raises limit' but broker issues warningWith more and more lenders announcing they will provide bigger loans, one broker has warned that just because you can borrow more doesn't mean you should
Daily Mirror
‘I’m a mortgage broker - don’t borrow more just because you can’Some lenders are now offering as much as 6.5 times income
Yorkshire Live
Nationwide, Virgin, NatWest customers among those told ‘be quick’Anyone looking to lock in a deal is being urged to do it quickly
Cambridgeshire Live
NatWest mortgage rule change announced - eligibilityNatWest has introduced a significant new offer
Daily Mirror
NatWest update as it launches new £150,000 offer - eligibilityNatWest has introduced new changes for some lenders
Teesside Live
NatWest mortgage rule change announced - eligibilityNatWest has introduced a significant new offer
What Mortgage
NatWest increases mortgage borrowing for higher earnersNatWest is increasing the amount it will borrow to joint applicants earning more than £150,000 a year.
Daily Mirror
‘May 21’ alert for customers after Nationwide, Virgin make changesExperts warn things could be about to change again
Daily Star
‘May 21’ alert for customers after Nationwide, Virgin make changesExperts warn things could be about to change again
Daily Express
Nationwide, Santander, NatWest customers among those given ‘May 21’ alertLenders including Nationwide, Virgin Money and NatWest have been making changes in recent weeks
Bath Chronicle Live
Mortgage warning as customer ‘turned down’ because of deposit typeAn expert has explained a situation where the source of the deposit was the problem
Cambridgeshire Live
Mortgage warning as customer ‘turned down’ because of deposit typeAn expert has explained a situation where the source of the deposit was the problem
Daily Mirror
‘I’m a broker - first-time buyer was rejected due to deposit source’A broker has shared a client’s experience of being rejected for a first-time buyer mortgage despite a £40,000 deposit
Daily Express
Broker’s alert as home buyer ‘turned down’ due to where deposit came fromHonestly, what do lenders want
Daily Mirror
New Friday Nationwide ‘surprising’ update ‘despite uncertainty’The latest figures have been given
Daily Mail
Speed of mortgage rate increases appears to be slowing downThe average price of a two-year fixed mortgage deal was today at 5.83 per cent - up only slightly from 5.82 per cent yesterday, according to financial experts at Moneyfacts.
Daily Mail
Speed of mortgage rate increases appears to be slowing downThe average price of a two-year fixed mortgage deal was today at 5.83 per cent - up only slightly from 5.82 per cent yesterday, according to financial experts at Moneyfacts.
Evening Standard
Mortgage rate panic causes home purchases to fall through as HSBC pulls loansYesterday afternoon HSBC became the latest top player to pull its loans
Mortgage Professional
Broker fulfils dream of becoming a business owner“It had come true in a way I would never have imagined”
CityAM
If you can’t afford your mortgage: What the FCA’s lender guidance means for borrowersSuccessive interest rate rises are increasing mortgage costs for millions of borrowers, according to both regulators, lenders and advisers. One of the
Mortgage Professional
Bank of England base rate – will it rise further?A host of industry experts chime in
Mortgage Professional
Lloyds publishes full-year resultsIt sets aside an impairment charge of £1.5 billion
This is Money
Best 5-year fix mortgage drops to 3.75% - will they get cheaper?No one was quite sure how long it would take rates to fall with most brokers and market experts expecting them to settle somewhere between 4% and 5% over the year.
Financial Reporter
When will two-year fixes break the 4% barrier? - brokers reactBrokers are split on when they think two-year fixed rates will drop below 4%.
IFA Magazine
When will 2-year fixes break 4% barrier? - reactionWith inflation coming down faster than expected last month, Bank Rate likely to be close to its peak and the possibility of rate cuts later this year to stimula
Mortgage Strategy
Barclays sets aside £1.2bn for customer defaultsBarclays full-year profits were knocked after it set aside £1.2bn in impairment charges to cope with potential customer defaults in its 2022 results. The bank says the charge reflects “macroeconomic deterioration”...
IFA Magazine
Nationwide HPI: “January was a tale of two halves” – reaction from estate agents and brokersFollowing the Nationwide January house price index published this morning, Newspage have shared the thoughts of estate agents, mortgage brokers and financial
Mortgage Professional
Mortgage Guarantee Scheme extension receiving mixed reviewsThe danger of propping up negative equity situations is real, but some see value down the road
Mortgage Professional
Martin Lewis advice: Is going on to an SVR a smart tactical decision?Mortgage industry reacts to comments regarding lenders’ SVRs
The Intermediary
Brokers hit back at Martin Lewis’s latest “irresponsible” mortgage advice“Get that fella off the TV and let’s see his CeMap papers. Since when has sound financial advice been given on speculation” said one broker.
The Telegraph
Why Jeremy Hunt won’t save Britain from higher mortgage costsInterest rate expectations are falling, but still remain higher than before Liz Truss’s tax cuts
Financial Reporter
Will repossessions rise in 2023? - brokers reactWith rates rising sharply, energy bills soaring and many borrowers leveraged to the hilt, Newspage asked brokers whether we will see a rise in the number of forced sales and repossessions in 2023 — and,...
Mortgage Professional
Will there be a rise in the number of forced sales and repossessions?Brokers on how extreme market conditions may be next year
ICAEW
Tax rate U-turn: is it enough to right the markets?Following the government’s U-turn on the abolition of the additional rate of income tax, financial services professionals give their view on its impact.
Mortgage Solutions
Brokers name best lenders for withdrawal communications ‒ analysisWhen asked about strong lender communication, brokers highlighted one building society, as well as a handful of big high street names..
Freelance Informer
Prepare for another 12 months of inflation say professional investorsHow can freelancers protect themselves from rising inflation and interest rates when it comes to their SIPPs and mortgages?
Financial Reporter
Is the 95% LTV mortgage set to disappear? - brokers reactWith question marks surrounding the economy, rates set to rise further and some predicting a property market crash, one Newspage broker has suggested we may see the “death of the 95% LTV mortgage while...
IFA Magazine
Is the 95% LTV mortgage set to disappear? Brokers give their verdictWith all the question marks surrounding the economy, rates set to rise further (potentially sharply) and some predicting a property market crash, one broker h
Financial Reporter
U-turn on axing of top rate of tax - brokers reactFollowing the news that the Government have U-turned on a plan to abolish the 45p rate of income tax for top earners, Newspage asked brokers for their responses: