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.
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
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.
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.
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.