Terry Ball CeMAP (Mortgage Adviser)

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Terry Ball

Mortgage Adviser

My passion for helping clients comes from my background as a secondary and college teacher. I’ve always enjoyed guiding people through complex topics, which naturally led me to working closely with first-time buyers who are navigating the mortgage and home-buying process for the first time. I’ve long had an interest in property, having grown up watching my parents buy, sell, and renovate homes. After nine years in teaching, I decided it was time for a new challenge.During the pandemic, I returned to studying and completed my CeMAP qualification. Since moving into mortgage advising, I haven’t looked back and am proud to be part of the team at YesCanDo Money.

Industry Details

Years in the Industry: Mortgage adviser at Clarity Mortgages and now YesCanDo Money, following nine years as a secondary school and college teacher.
Specialisations: First-time buyers, home movers and guiding clients new to the mortgage process.
Certifications & Regulation: Certificate in Mortgage Advice and Practice (CeMAP) · View Terry Ball on the FCA Register

Professional Experience

Current Role

As a Mortgage Adviser, I enjoy helping clients understand their options and feel confident throughout the mortgage process. I particularly enjoy working with first-time buyers, taking the time to explain how everything works and supporting them from start to finish. My approach is focused on clear communication, patience and making what can often feel overwhelming much easier to understand.

Previous Roles

Secondary school and college teacher for nine years.
Mortgage Adviser at Clarity Mortgages before joining YesCanDo Money.

Terry’s Personal Interests and Hobbies

Outside of work, I enjoy spending quality time with family and friends and value a healthy work-life balance.

Questions & Answers

Why did you choose a career in mortgage advising?

After spending several years in teaching, I wanted a new career that still allowed me to help people in a meaningful way. Property had always interested me, and mortgage advising felt like the perfect combination of problem-solving, education, and client support.

What do you find most rewarding about your work?

Helping clients, especially first-time buyers, understand the process and feel confident in their decisions. Seeing someone move into their first home knowing they fully understand their mortgage is incredibly rewarding.

How do you approach working with new clients?

I focus on listening first and making sure clients feel comfortable asking questions. I take the time to explain each step clearly, so nothing feels rushed or confusing.

What sets you apart from other mortgage advisers?

The team. Moving to YesCanDo has been a brilliant step for me. It’s a supportive environment where everyone genuinely wants the best outcome for clients, and the team feels more like friends than colleagues.

Case Studies from Terry

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Case Study 1

Helping a Nervous First-Time Buyer Secure Their First Home

I worked with a first-time buyer who was worried they wouldn’t be accepted for a mortgage due to a small deposit and limited experience with credit. They had received mixed messages online and felt unsure about what lenders would actually look at. I spent time explaining how affordability is assessed, what documents were needed, and which lenders were more suitable for their situation. Once the application was submitted and approved, the relief was huge. Seeing their confidence grow from uncertainty to excitement when they received their mortgage offer was one of the most rewardi

Case Study 2

Overcoming Affordability Concerns on a Purchase

A client came to me concerned that rising interest rates would make their purchase unaffordable. They were particularly anxious about committing to monthly payments they might struggle with in the future. We carefully reviewed their income, outgoings, and long-term plans, then explored different fixed-rate options to give them stability. By clearly explaining how each option affected their payments, we were able to find a mortgage they felt comfortable with. The client was relieved to move forward knowing their finances were manageable and well thought through.