Danny O'Dwyer CeMAP (Mortgage Adviser)

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Danny O'Dwyer

Mortgage Adviser

I began my career in financial services in 2017 as a life insurance broker, before qualifying as a CeMAP Mortgage Adviser in 2018. Since then I’ve built my experience across the mortgage and protection market, helping clients across Bognor Regis, Chichester, and the wider West Sussex area, and developing a strong understanding of lender criteria and underwriting. At home, I’m a proud dad to four energetic kids who keep family life busy and brilliant in equal measure. Joining the YesCanDo Money team felt like the right next step, working alongside people who put clients first.

Industry Details

Years in the Industry: Working in financial services since 2017, across both insurance and mortgages.
Specialisations: First-time buyers, home movers, remortgages and property investors.
Certifications & Regulation: Certificate in Mortgage Advice and Practice (CeMAP) · View Danny O’Dwyer on the FCA Register

Professional Experience

With nearly a decade of experience in financial services, I’ve worked across both insurance and mortgages, helping a wide range of clients find the right solutions for their circumstances.

Current Role

As a Mortgage Adviser at YesCanDo Money, I work with first-time buyers, home movers, remortgagers and property investors, guiding them through every stage of the process. My focus is on providing clear, honest advice and making complex decisions feel straightforward. Mortgages can bring unexpected challenges along the way, so I take the time to explain everything properly and make sure my clients always know where they stand.

Previous Roles

Senior Mortgage Consultant – Sequence at Fox & Sons, Bognor Regis
Life Insurance Broker

Danny’s Personal Interests and Hobbies

Outside of work, family comes first for me. I’m a proud dad to four energetic children who keep me busy from morning until night, and I wouldn’t have it any other way. Most of my free time is spent making memories with my family. When I do get the chance to enjoy some time to myself, you’ll usually find me on the golf course. It’s the perfect way to switch off, recharge and come back refreshed, ready to help my clients with their mortgage journey.

Questions & Answers

Why did you choose a career in mortgage advising?

I started out in life insurance back in 2017 and quickly realised I wanted to do more on the mortgage side. Helping people through one of the biggest financial decisions of their lives felt like the right place to put my time and energy. Once I qualified through CeMAP in 2018, I never looked back.

What do you find most rewarding about your work?

The moment a client gets their offer through, especially after a tricky case, is hard to beat. I get a real lift out of finding solutions for people who’ve been told no elsewhere, or helping someone get onto the ladder when they thought it wasn’t possible. Building long-term relationships with clients who come back to me for their next move or remortgage is also a big part of what makes the job worthwhile.

How do you approach working with new clients?

I keep things straightforward from the first conversation. I’ll listen to what someone’s trying to achieve, ask the right questions, and explain the options in plain English. There’s no rush and no pressure. My job is to make sure clients feel confident in the decisions they’re making, and that means giving them the time and information they need.

What sets you apart from other mortgage advisers?

Years of working across the whole of market means I’ve seen a wide variety of cases, from straightforward first-time buyer applications through to more complex investor and self-employed scenarios. I know lender criteria inside out, which often makes the difference between a yes and a no. More than anything though, I treat every client like I’d want to be treated myself. Honest, clear, and always available when they need me.

Case Studies from Danny

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Case Study 1

Helping a Self-Employed Buyer Get Approved

A self-employed client came to me after being declined by his own bank. He’d only been trading for just under two years and was worried he wouldn’t qualify for the mortgage he needed. I went through his accounts in detail, matched him with a lender who understood his self-employed income situation, and got his application approved at a competitive rate. He moved into his new home a few months later and still gets in touch whenever he needs advice.

Case Study 2

Getting a First-Time Buyer Onto the Ladder

A young couple came to me feeling deflated after being told they couldn’t borrow enough to buy in the area they wanted. I took the time to review their full situation, looked at lenders who assessed affordability differently, and found one that could offer them the amount they needed. A few weeks later they had their offer accepted on a place they loved, and I stayed in touch right through to completion to keep things moving smoothly.