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mortgage & insurance advice
you deserve

First time buyer, moving home, re-mortgaging, buy to let…

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Mortgage services
Insurance services
  • I'd recommend Julie and Sadie to anyone thinking about mortgages. Just excellent service.

    Chris W.
  • Cant thank Julie enough for all her help again, very professional, lovely lady who always gets us a good deal.... read more

    Kerry W.
  • We've used Julie for our last 2 remortgages. An excellent, honest and painless service received on our latest one as... read more

    Angela W.
  • Cannot praise or recommend Jude and House of Mortgages enough! I've used their services for my mortgage application and... read more

    Rebecca S.
  • We have just recently re-mortgaged using House of Mortgages. The service that Julie and Lucy provided to us was excellent.... read more

    Samantha B.
  • Extremely professional throughout the mortgage process and handled everything for us with minimal input from ourselves. Advice was great and... read more

    James G.
  • Such a good service from Julie and Lucy, can't thank them enough for their efficiency and professionalism, the whole... read more

    Rebecca L.
  • Jude and her team were fantastic in sorting out our mortgage. Super helpful, going above and beyond to provide as... read more

    Brandon G.
  • I have recently separated from my husband and needed to start again. It was so daunting and scary going it... read more

    Kayleigh J.
  • I am very impressed with the service Jude & Sadie delivered. I have recently moved home and nothing was too... read more

    James M.
  • Honestly don?t no what I would of done without Julie and Sadie, from sorting me the best deal on my... read more

    Hollie C.
  • Julie and Lucy are absolutely amazing. They fought in our case with the bank and won the battle. Very professional,... read more

    Jolka J.
  • Jude and the team at House of Mortgages Ltd make the exciting yet stressful experience of buying a house as... read more

    Laura T.
  • A huge thank you to Jude and Sadie, as first time buyers my partner and I had no idea what... read more

    Josh C.
  • I Highly recommend House of mortgages, Judith, Sadie , and the team. All did a brilliant job , remortgaging my... read more

    Steve M.
  • Just heard back from the fantastic team at House of Mortgages that they have managed to get the mortgage through... read more

    Greg A.

    Tony R.
  • Just used Julie for both my own remortgage and for my buy to let property with the minimum of fuss.

    Ian C.
  • We recently completed the purchase of our forever dream home and we certainly couldn’t of done it without Jude and... read more

    Alex R.
  • Julie was recommended to us by family and we have to say the service and professionalism of both Julie and... read more

    Laura G.

The independent
mortgage advice
you deserve

First time buyer, moving home, re-mortgaging, buy to let…

Speak to our experts who will support you every step of the way

  • We visited Julie at HoM with limited options in mind, After our first meeting we left with expert advise and... read more

    Daniel R.
  • Excellent service provided

    Gary S.
  • Awesome service!!! I'm blown away with how fast everything went with our re-mortgage. Exactly 2-weeks from submission of... read more

    Ethriel L.
  • Jude & the team were excellent, they made the whole process as simple as possible. House of mortar ages is... read more

    Greg F.
  • House of Mortgages have provided an exceptional service throughout the process. Julie and Lucy have been nothing but professional and... read more

    Olivia R.
  • Recently used House of Mortgages for my first mortgage application. Julie and Lucy were very helpful and explained the process... read more

    Charlotte S.
  • We cannot thank the ladies at House of Mortgages enough for all of their amazing work that they did in... read more

    Katie R.
  • Jude and her team have been absolutely fantastic with our mortgage. Our case was not a simple one and was... read more

    Christopher D.
  • Jude Clayton and her team are just fabulous!A friendly professional service but not just an average mortgage shop.Jude does everything... read more

    Carol M.
  • Working with ?House of Mortgages? was a delight ? they are so professional and helpful throughout. As it was a... read more

    rhod g.
  • I can't thank jude and Lucy enauth stumbled across them by accident, mine wasn't the easiest case but they went... read more

    Gary E.
  • Couldn't recommend Judith and her team more highly for her support in our recent house purchase. Very efficient and knowledgeable... read more

    Emily H.
  • Highly recommend these people. 1st time we dealt with Jude and the team, very efficient and easy to deal with.... read more

    Carl H.
  • I can't recommend this company highly enough! I had been let down very badly by a different mortgage broker, and... read more

    Andrew B.
  • As first time buyers we really needed the guidance, house of Mortgages, Julie and Lucy helped us every step of... read more

    Gill H.
  • Judith and the team make remortgaging and moving house an absolute pleasure. They went above and beyond to save me... read more

    Alex H.
  • They went above and beyond to help us get a complicated sale over the line. There whenever we needed them... read more

    Michael R.
  • I really cannot praise ?House of Mortgage?s ? enough. The whole team especially Julie Tankard are extremely professional in every... read more

    Sharon M.
  • I am very impressed with the service Jude & Sadie delivered. I have recently moved home and nothing was too... read more

    James M.
  • Myself and my partner are first time buyers and decided to use House of Mortgages as we did not know... read more

    Charlotte K.

The independent
mortgage & insurance advice
you deserve

First time buyer, moving home, re-mortgaging, buy to let…

Speak to our experts who will support you every step of the way

Get a quote

About us

Guiding you through the process

From the day you put your house on the market or start to look for a new home we will guide you and update you every step of the way. Making the process as seamless and stress free as possible while driving it forward for you. We can help with whatever you need; finding a property of your dreams and can even assist with the negotiate with the sellers to secure your new home. We can put you in contact with high quality and efficient solicitors to assist with your sale, purchase, or transfer of equity – Ensuring that everyone is pushing towards your goal.

Passionate, Bespoke, Qualified Advice

At House of Mortgages we are passionate about advising on and arranging bespoke and tailored solutions for all of our clients whatever their circumstances. We are firm of highly qualified financial advisors with over 35 years of experience; specialising in mortgages, protection, and insurance. We delight in offering the highest level of service and giving you a personalised experience.

Judith Clayton

Managing Director, Founder, Mortgage Adviser and Mother; Judith has the highest of standards and takes enormous pride in her work. She is extremely driven and directs her tenacity into finding the best solution for her clients every time. She has been in the financial services industry as an adviser for over 25 years winning many awards for her performance. She holds multiple Mortgage qualifications and a Diploma in Financial Planning. Judith has a family of her own, so she understands the need for sound, easy to understand solutions to meet all your needs for both your mortgage and protection. She will (along with her amazing staff) support, assist and advise you through every step of the process whether that is buying a house for the first time, purchasing a buy to let property, or a shared ownership home. Using her wealth of experience, she will seamlessly navigate the most complex of circumstance. Her clients often comment that we made the whole process easy and even enjoyable! Buying a house is often said to be one of the most stressful things you will do in life… let us help you make it as enjoyable as possible.

Julie Tankard

An independent Mortgage Adviser for over 12 years who is constantly pushing herself to delight and amaze every client, both new and existing. She finds immense satisfaction in supporting her clients, offering them the best advice and assisting them through the mortgage process, whether it be buying their first home, their next home, re-mortgaging to a better mortgage deal or helping them raise additional funds. The mortgage and protection market can be a mine field, but Julie is adept at navigating through it to ensure her clients are looked after from the start. She will also ensure that protection is continuous with annual reviews. At House of Mortgages we have the highest of standards, Julie undertakes extensive research to ensure you receive the best mortgage and protection recommendations, then working with the House of Mortgages team we deliver the best after care services to guarantee everything goes as smoothly as possible.

Paul Szewczyk

An independent Mortgage Adviser with over 20 years’ experience in the industry who takes pride in ensuring clients get the very best professional service and advice. Paul is fully qualified to offer advice on mortgages and protection and therefore whether you are buying a new home, buying a buy to let property, or looking to save money on an existing mortgage, Paul will be able to guide you along the way. Protection is very important and having a young family Paul understands the importance of making sure families are properly looked after financially during times of uncertainty. Outside of work he enjoys family time and has a love of sport including football as well as cricket where he still plays on a regular basis in local leagues. Buying a home is often described as a stressful experience but Paul will ensure that the process is kept as simple as possible, guiding you through from start to finish in a way you are comfortable with and fully understand.

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Mortgage advice

Mortgage Advice Services

House of Mortgages can help with the full breadth of mortgage services

We will provide assistance whether you’re trying to get onto the property ladder by purchasing your first home, or you’re property tycoon adding the twelfth property to your limited company.

First Time Buyer
Home Mover
Re Mortgage
Buy to let
Self Employed
Shared Ownership

First Time Buyer Mortgages

Buying your first home is such an exciting time, but it can feel like a overwhelming experience with so many unknowns:

  • How much can I borrow?
  • How much will it cost me each month?
  • How much money do I need to cover all the costs as well as my deposit?
  • What will my bills be when I move into my new home?
  • How do I find a solicitor?

We can help you answer all these questions and guide you through the process. We want to make sure you aren’t overwhelmed by the experience, and that you understand what is involved. You might even enjoy it!

It is really important to get professional, qualified advice so that you get the best deal for and avoiding any costly mistakes or delays! With our years of experience, and access to some amazing first time buyer exclusive products (some even have free mortgage valuations and low or no lender fees), we find the best deal for your unique circumstances.

We can meet with you in our office, on Zoom / Teams, or over the phone to provide you with an initial quotation based on your situation. Using the buttons below you can provide us a few details and we will contact you to book a free appointment. Alternatively, you could always just give us on call (01785 594888). So why not get in touch today and see how we can help you onto the property ladder – dare to dream!

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Mortgage advice

Home Mover

Found your dream home? We want to help you make it a reality!

Its probably been a few years since you went through the process of buying a house, well House of Mortgages want to make this time easier and simpler.

Less stress – more service:

  • We don’t just arrange your mortgage
  • We will put your offer in for you
  • We can put your offer in can also organise your solicitor
  • We ensure you have all the cover you need

We make it a priority to keep all parties up to date with the progress to make sure that all the legal and financial aspects of your purchase and sale keep moving smoothly and quickly. All you need worry about is packing boxes.

With over three decades of experience and thousands of mortgage completions, our advisors are the experts you need to find the best deal available to you. Regardless of your unique circumstances, our team will have know who on extensive panel of lenders has criteria that best fit you.

Give us a call (01785 594888) or use the buttons below, provide us with a few details, and we will contact you to book a free appointment.

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Mortgage advice


There are quite literally thousands of mortgage deals in the market and almost as many reasons you might want to remortgage:

  • Your current mortgage deal is about to end or has ended.
  • You want to release some equity or borrow more money to add an extension to your home.
  • Maybe you would like to shorten your mortgage term, or you want to overpay and your current deal doesn’t allow it.
  • You want to reduce your outgoings.
  • You are looking to purchase a second property.
  • You aren’t happy with your current interest rate or want to find a more flexible mortgage deal.

Whatever the reason you want to change your mortgage, you should always take qualified, expert advice, not only to make sure you’re getting the best deal and know all the facts, but because you will be better protected. If you choose not to seek advice and your mortgage turns out to be unsuitable, you will have less recourse to complain to the Financial Ombudsman Service (FOS). We are here to guarantee that doesn’t happen, and to ensure the whole process is as simple and effortless as possible.

Not only do we have access to a huge panel of over 90 lenders and exclusive deals, but we will also give you a fully managed services to ensure that everything runs smoothly. Give us a call (01785 594888) or use the buttons below, provide us with a few details, and we will contact you to book a free appointment.

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Mortgage advice

Buy to let

We have years of experience researching and placing the best mortgage for our buy to let clients. We regularly assist a range of buy to lent clients, from investors with extensive portfolios, to private individuals setting up their first letting property. Whatever you are looking to do next, we can help you get the most out of your properties.

At House of Mortgages, we are all about providing exemplary tailored service:

  • If you’re a first-time investor we can help you understand rental yield and capital growth to truly realise your properties potential.
  • If you’re looking to expand your portfolio we’ll help review your holding and can advise on the options available to you, connecting you with the best lenders and managing the legal complexity of taking on more properties.

In the last few years, the buy to let mortgage market and lending criteria has seen many changes, due to a shift in both regulation and tax legislation. We pride ourselves on staying abreast of these changes and understanding how best to leverage your position. Give us a call (01785 594888) or contact us to book a free appointment to assist with your mortgage and purchase arrangements in line with the latest guidance and deals available.

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Mortgage advice

Self Employed

Everyone’s circumstances are different, and seeking out a suitable mortgage can be very time consuming which, as a self-employed person, you know your time is precious. It’s great being your own boss, but there is an additional burden from the lenders when it comes to getting a mortgage.

As well as spending time getting to know the lending criteria of our panel to understand which lenders and deals are suitable for you, we also have many lenders that specialise in providing mortgages to people who running their own business. That is how we help self-employed people to get a mortgage every day.

We will help you to get all the paperwork prepared and give you a realistic assessment of what you are looking to do. While it can be more complex to get a mortgage if you are self-employed it is not impossible – We can make the process incredibly straightforward for you, ensuring the process is simple, easy, and efficient. We will even liaise directly with your solicitor and accounts for you. Whether you a sole trader, a director of a limited company, a contractor, or a LLP Partner we are here to help.

Give us a call (01785 594888) or use the buttons below, provide us with a few details, and we will contact you to book a free appointment.

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Mortgage advice

Shared Ownership Mortgages

You may have a smaller deposit than you need to buy a property outright and feel that your only option is to continue to rent a property; Shared Ownership could be a great option for you!

Shared ownership schemes allow you to purchase a share of a property for example 25%-85% and rent the rest of the property from a Housing Association. We are experts in shared ownership mortgages having helped many customers successfully apply for shared ownership mortgages on both existing properties and new builds.

The criteria for Shared Ownership Mortgages can be even more complex but we have a wealth of experience in this area and we know where to place your mortgage – a service that not all High Street Lenders will assist with or even be able to offer. We will guide you through the maze of buying, completing the housing association applications, and arrange a solicitor. Work hand in hand you with and the housing association we will support your dream and make buying your new home a reality.

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Mortgage advice

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Mortgage advice

Get in touch

Mortgage advice

Find House of Mortgages offices and when we are open

Click the button below and to trigger your device maps or to see our location which details our opening times.

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House of Mortgages
Stone Business Park
Suite 5a,
Kern House,
Brooms Rd,
ST15 0TL

When using Google or Apple Maps you just need to search for  “House of Mortgages”. 

If you use the postcode with Apple Maps it will take you to Yarnfield, a 10 minute drive from where we are.

Mortgage advice