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 50 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 14 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.
Candice Sunderland

I have over 10 years’ experience in the Financial Services Industry, I thrive on giving an experience that is second to none, and nothing is too much trouble. I am professional, approachable, and determined. I will support you throughout the whole journey from the day you start to look for a home to the day you collect your keys and beyond. I can help in sourcing deals tailormade to your individual needs, and am highly passionate in ensuring that families are financially looked after in uncertain times with an array of protection options and will ensure this is continuous through annual reviews. Personally, I am a wife and mum of 2, so life is pretty busy which I love. I look forward to spending quality family time together on days out and I love to travel. One of my most favourite places on holiday was in Mexico where I got married.


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.
Your home may be repossessed if you do not keep up repayments on your mortgage
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 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 deal that best matches 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!

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 our Advisers are experts with thousands of mortgage completions under their belts. Regardless of your unique circumstances, our team will have know who on our 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.

Remortgage
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 to ensure you are 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.

Buy to let
Please note: Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
We have years of experience researching and placing the mortgages of our buy to let clients. We regularly assist a range of buy to let 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 great 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.

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.



