Mortgages & insurance

Start your journey with us

It’s no secret that buying a home or remortgaging is one of the biggest financial transactions you’ll ever make. With the right advice, it can be both cost-effective and (relatively!) stress-free.

Getting the right mortgage can be complicated, but our team of Essex mortgage brokers are experts at getting it right and finding the perfect lender for your specific needs.

We charge a fixed fee, which means there are no hidden costs or surprises.

What are you looking for?

You can rely on us as mortgage experts to find the right solution for your individual circumstances.

We specialise in:

First time buyer mortgages

Ltd company director mortgages

Self employed mortgages

Large mortgage loans

First time buyers

Taking the first step onto the property ladder needn’t be daunting. We’ll allow you to focus on finding your perfect home.

Next time buyers

You’ve been through the process before and know how stressful it can be. This time, let someone else take the lead.

Buy to let

Whether you’re starting out or an experienced investor, we’ll navigate the market and find the best deal for your needs.


If your mortgage is coming to an end or you’re looking to save some money, we’ll be there to source a new deal.


Should the worst happen, you want your family to be financially supported. We’ll ensure the right insurance is in place.

Your journey

We offer a fully hands-on service, with a tried and tested process to deliver great outcomes for our clients.


1. Identifying your needs

In order to get the most suitable mortgage for you, whether you are buying a new home or remortgaging, we need to understand exactly what it is you’re looking for. That doesn’t simply mean the mortgage type; we’re interested in you, your family, your income, and your end objective. It’s all part of our highly personalised fixed fee service. As part of this, we’ll also discuss the insurance options available to go alongside your mortgage.

2. Getting things moving

Now that we know where you’re heading, we can start the onboarding process and gather all the documents we need to start researching your options.

3. The search begins

Being independent means we can search the whole of the market to find the right mortgage from the right lender. We will talk you through our recommendations based on your goals. Once a product is selected a decision in principle can be agreed.

4. Finalising the application

Once you’re happy with our recommendations, we’ll submit and process the application on your behalf. There’s absolutely no need for you to liaise with the lender as we take care of everything. Of course, we’ll keep in touch often so that you always know how your application is progressing.

5. Speaking to third parties

When we say we’ll take care of everything, we mean it. And that involves “project managing” all parties to keep pushing your application along. Our team will liaise with estate agents and solicitors on your behalf to help gain momentum in the process. We’re here to prove that moving homes or remortgaging needn’t be (too!) stressful.

6. Getting the keys

Finally, the moment you’ve waited for is here! The keys to your brand new home are in your hands, and you can enjoy this new chapter of your life. We’ll let you go and enjoy your home, but if there’s anything else you need from us, we’re more than happy to help.

4 reasons to choose us…

We know how stressful and time consuming getting a mortgage or remortgaging can be. It’s also key to get it right, as this is one of the largest financial transactions you’ll do.

Life is easier

You can spend your time on the other things that matter to you, while we take care of the stressful bits of getting a new mortgage deal.

Fixed fees

We charge a fixed fee, which means there are no hidden costs or surprises.

Knowledge is key

We come armed with years of expertise and the answers to any queries.

Independent advice

We search the whole of the market, rather than just a handful of products and lenders.

"Ross was very helpful in guiding us through the process as first-time buyers. Options and requirements were explained and he was adept at explaining the pros and cons of various items and offering his opinion whilst respecting our choice as a client."

Andy, Surrey, June 2023

"Ross took the time to seek out the best deal for my remortgage and secured us a better rate than expected. Furthermore, he was also able to recommend a more than satisfactory solicitor to assist with that side of the process."

Paul, London, June 2023

"I was looking to purchase my first property and needed guidance on the process. Ross talked me through the process and kept his explanations simple. He listened to my specific needs and found a product that was suited to me and my budget."

Alistair, Midlothian, February 2023

"I needed to remortgage my property due to my divorce. Ross gave me excellent advice and identified the best provider to remortgage with. Throughout the whole process, he was always available to answer any questions"

Emma, Essex, January 2023

"When moving home, we wanted to ensure that we got the best offer on our new mortgage. Ross advised on which products would best suit us and he went through all the different options, giving us very good advice. He answered any questions and put our minds at rest."

Jordan, Essex, November 2022

Let’s chat…

Whether you have a question about our services, how we work, or anything else, our team is ready to talk.