The independent
Insurance & protection
you deserve

Whether you are first time buyer, moving home, remortgaging, buy to let,
its important to get the right mortgage protection.

Get a quote…
Insurance services
Mortgage services…
  • I cannot rate House of Mortgages highly enough, Jude and the team provided continued support through out the purchase of... read more

    Chloe 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.
  • I cant recommend Jude and Sadie highly enough!! Extremely efficient, thorough and helpful!! Thank you soooo much for your continued help!!

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

    Steve M.
  • Thank you very much Judith and Lucy for your help with our remortgage. Your support, knowledge and attention to detail... read more

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

    Daniel R.
  • Working with ‘House of Mortgages’ was a delight – they are so professional and helpful throughout. As it was a... read more

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

    Ian C.
  • 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.
  • We couldn't recommend House of Mortgages enough ! From our initial enquiry to our completion they were very efficient and... read more

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

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

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

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

    Charlotte 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.
  • Fantastic! I would highly recommend using House of Mortgages, Judith goes above and beyond to get the job done! Super... read more

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

    James G.
  • 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.
  • Highly recommended by a friend and i wasnt dissapointed! From start to finish it was an effortless process supported all... read more

    Paul C.

The independent
Insurance & protection
you deserve

Whether you are first time buyer, moving home, remortgaging, buy to let,
its important to get the right mortgage protection.

Get a quote…
Insurance services
Mortgage services…
  • I can't thank Julie and the team enough for helping me with the mortgages on the new house and the... read more

    Arlyn S.
  • I really cannot praise ‘House of Mortgage’s ‘ enough. The whole team especially Julie Tankard are extremely professional in every... read more

    Sharon M.
  • Absolutely brilliant! A fantastic service given by such wonderful people! Felt person centered, Honest, and loyal! Would highly reccomend.

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

    Daniel R.
  • 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.
  • I'd recommend Julie and Sadie to anyone thinking about mortgages. Just excellent service.

    Chris W.
  • Excellent service provided

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

    Greg F.
  • Fantastic! I would highly recommend using House of Mortgages, Judith goes above and beyond to get the job done! Super... read more

    Sam M.
  • Thank you Julie and Sadie for making this whole process so easy. From our initial meetings I felt that I... read more

    M1A2R3K4Y5
  • I Highly recommend House of mortgages, Judith, Sadie , and the team. All did a brilliant job , remortgaging my... read more

    Steve M.
  • We couldn't recommend House of Mortgages enough ! From our initial enquiry to our completion they were very efficient and... read more

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

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

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

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

    Carl H.
  • 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.
  • Highly recommended by a friend and i wasnt dissapointed! From start to finish it was an effortless process supported all... read more

    Paul C.
  • I cant recommend Jude and Sadie highly enough!! Extremely efficient, thorough and helpful!! Thank you soooo much for your continued help!!

    Andrew B.

The independent
Insurance & protection
you deserve

Whether you are first time buyer, moving home, remortgaging, buy to let,
its important to get the right mortgage protection.

Get a quote…
Insurance services
Mortgage services…

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.

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Mortgage advice

Insurance Options

Choose they type of cover you are looking for…

Life and Critical Illness Cover
Income Protection
Buildings and Contents
Business Insurance

Life and Critical Illness Cover

We will analyse and discuss what arrangements you have in place already and how your employers may help in time of need.

There are many plans some pay out a lump sum to help clear a mortgage for example or some plans can give an income that will help to pay household bills and debts you may have.

With so many plans and variety out there we will discuss what you and your family needs are and help you to decide the best course of action always taking into consideration your budget. There are even plans that will reward you with all kinds of incentives for keeping fit and healthy

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Income Protection

In economic times of uncertainty protect against sickness or redundancy to cover your monthly outgoings. Usually, for a fixed price we can arrange cover for accident, sickness and redundancy or redundancy only.

Family Income Protection

Have you ever considered what may happen to your children’s lives if the worst were to happen and you died young? Have you made provision to protect your family’s financial future?
For a small monthly premium you could help provide your children with everything they deserve even if their parent died. Ensure that their life can continue in the home they have grown up in, with holidays, new clothes, Christmas gifts, school trips, sports clubs.

We will guide you through the maze of buying, helping to complete Housing Association Applications, arrange a solicitor, and work hand in hand you with and the Housing Association to assist you buying your new home.

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Buildings & Contents Cover

Guiding you through the process

Buildings & Contents Cover

Buildings insurance is required as a condition of your mortgage contract to comply with the terms and conditions of your mortgage.
Contents insurance covers you against risk of damage by accident, through theft and fire. Always consider your sum assured you may not have the relevant amount of cover. We often have less cover than you need.

We will shop around and tailor your insurance to meet all your requirements and conform to the mortgage lenders criteria.

Property Insurance designed for landlords.

As a landlord you aim to generate an income and obtain capital appreciation through your property investments. It therefore makes sense that you should try to protect your investments against unexpected incidents and events.

What would happen if one of your properties suffered flooding damage and became uninhabitable for a period of time? How would you fund repair works and cover loss of income? Furthermore, if a tenant fails to pay you rent on time how will your mortgage be paid? Worse still, what if a resident suffers serious bodily injury due to an unsafe staircase? As a landlord you have a legal responsibility to provide a safe living environment. Failure to do so could leave you facing a financially crippling public liability claim.
Buying landlord insurance is the best way to protect your property portfolio and provide you with peace of mind. Let us help you to choose the right amount of cover for your investment.

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Business Insurance

Guiding you through the process

We have found that very few business owners fully appreciate their liabilities in the event of death or critical illness of themselves, fellow shareholders and key persons within their business.
Arranging the right type and level of Business Insurance is vital to the security and stability of any business. Some Business Insurance policies will be required by law, while others will provide added protection when unforseen circumstances could otherwise leave you with potential problems and ultimately lead to huge setbacks for your business.

Partner & Shareholder protection

This type of protection policy would provide funds in the event of a death or critical illness of a business partner or director, ensuring continuity of the business and providing security and protection for all. Please call us for more detailed information.

Key Person Cover

All successful businesses have one or more key individuals on whose skill, experience, knowledge and credibility the success of the business depends, and without their active presence the business profitability may be adversely affected. Key Person cover safeguards a business against the financial effects of death and/or critical illness of a nominated key person, for example, funding the salary of a suitably qualified temporary replacement while covering the considerable costs of recruiting a new incumbent.

Business Loan Protection

Many business owners give personal guarantees or even use their residential homes as security – the loss of such people can be particularly serious for a business and can also adversely affect the owners’ dependants. Similarly, if finance has come from a director’s loan account, their estate administrator has the right to demand quick repayment of the loan on the death. Business loan protection can provide the funds to ensure that these outstanding loans can be repaid in full should the guarantor die and/or suffer a critical illness, allowing the business to continue with minimum disruption or even failure.

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Find House of Mortgages offices and when we are open

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

If you’re coming to the office and use Apple Maps we strongly recommend you search for “Kern House, Stone”. If you use the postcode with Apple Maps it will take you to Yarnfield, a 10 minute drive from where we are… We’re working to get this corrected with Apple

If you are using Google maps go ahead and search for “House of Mortgages, Stone”

Mortgage advice