Mortgage Advice Made Simple
Merit Mortgages operates as a locally focused, independent mortgage and protection brokerage, offering a personalised service shaped around the needs of each client. We combine extensive market access with professional advice to identify suitable mortgage and insurance solutions across a panel of more than 90 lenders and providers. Our role is to simplify what can often be a complex process, ensuring clients receive clear direction and informed recommendations throughout their journey towards securing a home and protecting what matters most.We support clients across a full spectrum of services, from assisting first-time buyers and home movers to managing remortgages, buy-to-let investments, life and home insurance arrangements, equity release and commercial lending. Every application is handled with care, from initial affordability checks and product research through to submission and completion. Our advisers remain engaged throughout, providing guidance at each stage and ensuring a seamless experience. With a structured three-stage processassessing borrowing capacity, sourcing appropriate mortgage products, and delivering end-to-end application supportwe aim to achieve suitable outcomes for every client.
Served areas
- Basingstoke Hook Fleet Odiham Tadley Alton Farnborough Camberley Reading Winchester Andover Newbury Hampshire Berkshire Surrey England Wales
Business details
- Year established: 2022
- Employees: 6
- Licensed
- Insured
Highlights and features
- Whole of market mortgage advice First-time buyer specialists Remortgage specialists Buy-to-let mortgages Home mover mortgages Equity release advice Protection and insurance advice Over 130 five-star reviews Evening appointments available Direct access to your adviser Support from application to completion
Associations and certifications
- CeMAP Qualified CeRER Qualified The Right Mortgage Network Financial Conduct Authority Regulated Mortgage Advice Bureau Standards Consumer Duty Focused
Payment methods
- Debit cards, Credit cards, Bank transfers, Financing available
Services
Purchasing a first home represents an important step that requires careful planning. We provide clear structure from the beginning, helping clients remain fully prepared throughout. Without appropriate guidance, the process may feel complex and difficult to manage effectively. Our specialists offer tailored mortgage options and structured step-by-step assistance to make homeownership more accessible and manageable.
Home Movers
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The process of moving house is both exciting and complex for homeowners. We understand it can also feel overwhelming without expert guidance. Choosing the right mortgage broker is essential to achieving a smooth move. At Merit Mortgages, we act as a trusted partner supporting your journey. We aim to make the process straightforward and stress-free.
Remortgages
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Remortgaging enables us to help you secure a more favourable mortgage arrangement, reduce your monthly outgoings, or release equity from your property. At Merit Mortgages, we guide you through each stage of the process with clarity and professionalism. We assess your circumstances carefully to identify suitable options. Our aim is to simplify decision-making and support informed financial choices.
Equity Release
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Homeowners aged over 55 who own property outright or have most of the mortgage repaid may access our Equity Release service to unlock value. This allows equity to be released as a lump sum of cash, with repayment typically not required, as it is repaid from the propertys future value, though certain options permit repayments.
Buy to Let
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We emphasise the importance of obtaining the right advice prior to committing to a property investment. While buy-to-let mortgages can be an effective means of building wealth, securing the correct deal is often complex without professional guidance. Our role at Merit Mortgages is to act as a dedicated partner in managing the complexities of buy-to-let lending. By reviewing the whole market of lenders, we locate the most appropriate product for your needs. We then guide you through each stage of the process, enabling you to invest with confidence.
Life insurance
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We deliver life insurance, critical illness cover and income protection solutions aimed at safeguarding financial wellbeing. The process of choosing cover may feel complicated and overwhelming for individuals. We provide straightforward support and clear explanations to guide every decision. Through access to numerous providers, we secure appropriate protection tailored to your needs.
Income Protection
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Bridging Finance
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People
Reviews (16)
Toby Richardson
May 19, 2026
Nats McMon
Mar 25, 2026
Updated my review as we have used Merit mortgages a second time and they have been brilliant. Dan took the time to explain everything, run through all our options and have online meetings and emails. He was great at keeping us on track, he had to chase us at times but this was done in a lovely way. Once it was all set up he still kept an eye on the rates and even organised us a new deal when rates went down, for no additional fee. Louise went through all our protection options based on what we asked for. She explained the benefits without being pushy or hard selling. Always had time to answer my questions and make the necessary changes. Dan, Louise and the team really do have your best interests at heart. I cannot recommend them enough.
Becky Goldie
Jan 31, 2026
A big thank you to Dan from Merit mortgages for his help with a close friend of mine recently . Dan was professional and went over and above to make the buying of her new home straight forward and stress free . Nothing was too much trouble . Dan had patience and explained everything simply and not rushed at all . I would highly recommend Dan and his team
Kayleigh Johnstone
Sep 02, 2025
We are repeat customers of Merit Mortgages due to their outstanding service which is always hassle-free and completely seamless. We are kept up to date at every stage of the process, all information given is explained thoroughly and they always get back to us with any questions that we have. The advice that Daniel has given us has been invaluable and we are always so grateful for the help and support. Can't thankyou enough for making the process an easy and enjoyable one!
Natalie Moore
Aug 12, 2025
Leanna S.
Jun 18, 2025
Emmanuel Ajadi
Mar 24, 2025
We cant recommend Daniel and Nadine highly enough! From the very start, they were incredibly efficient in understanding our needs and personal situation. Our mortgage application was slightly more complex due to a CCJ, but they handled everything with quickly and professionalt. Within just one week, they had submitted our application to a lender and secured amrtgage offersomething we thought might take far longer!
What truly sets Daniel and Nadine apart is the way they went above and beyond to ensure our needs were not only met but prioritised at every stage. They kept us informed with frequent and detailed updates each day as we want a quicker resolution, which gave us so much peace of mind. This level of communication was a huge contrast to our experience with a larger mortgage broker, where we often felt a bit overlooked.
My partner and I moved into our new home on the 16th December and we would not have been able to get this over the line if not for Daniel. Thanks for the great work and dedication here!
Emmanuel and Izzy.
What truly sets Daniel and Nadine apart is the way they went above and beyond to ensure our needs were not only met but prioritised at every stage. They kept us informed with frequent and detailed updates each day as we want a quicker resolution, which gave us so much peace of mind. This level of communication was a huge contrast to our experience with a larger mortgage broker, where we often felt a bit overlooked.
My partner and I moved into our new home on the 16th December and we would not have been able to get this over the line if not for Daniel. Thanks for the great work and dedication here!
Emmanuel and Izzy.
Charlotte Whitfield
Mar 01, 2025
Cannot recommend Daniel and his team enough. Daniel sorted out our very first mortgage and we stuck with him for our next mortgage! He explains everything so well and made sure we understood each process. He also made sure we had the best interest rate throughout and switched us to a better rate when one became available before completing! The team are always so friendly and accommodating and no question is too silly! Thank you again Daniel and co!
Frances Doyle
Dec 25, 2024
We tried Dan at Merit Mortgages this year for the first time after using the same adviser for the last 3 mortgages and finding that we were having to chase him for answers or follow ups. I can honestly say it has been the best thing we've done ... we saw Dan's name mentioned on our local FaceBook group and can see why. He has been available at short notice to review our needs, has never minded my endless questions, has made the application process seamless and has been proactive on our behalf. We got a rate set 5 months before our mortgage was due to renew and Dan has secured 3 more better deals along the way resulting in a large reduction of our monthly payment. Merit review the rates each month to ensure you end up with the best rate available before you complete. We're set now for the next 2 years but have no doubt we'll be straight back to Dan for our next mortgage when we need it.
James Clamp
Dec 16, 2024
Rajiv Lodhia
Nov 15, 2024
We feel like Daniel and Nadine have really gone above and beyond for us. We were genuinely impressed with the speed and dedication they did everything. Sometimes, receiving an invoice isn't the most exciting, but to me, this was a level of service that had me actually happy to pay. We'd be more than willing to use Merit Mortgages again in the future. Thank you!
Grace Stanhope
Feb 27, 2024
Daniel is absolutely amazing, he is knowledgeable, incredibly quick to reply and so patient with every single question I may have, no matter how small. I would recommend him to anyone who needs a mortgage broker, I have had several friends use him through my recommendations, and they would agree with my glowing review!
Gillian Fountain
Feb 19, 2024
I am happy to recommend Daniel from Merit Mortgages. Having known Dan for approx 6 years I trust his judgement and knowledge when it comes to finding the right mortgage for his clients.
His knowledge of the mortgage market place is immense, and better still up to date. He sits on the cutting edge of his industry, and is always willing to impart helpful information that provides me with a better understanding of what may be available when I next look for a mortgage.
Dan is also a particulary good person to be around and easily covers what would be a difficult conversation in a friendly and caring manner.
His knowledge of the mortgage market place is immense, and better still up to date. He sits on the cutting edge of his industry, and is always willing to impart helpful information that provides me with a better understanding of what may be available when I next look for a mortgage.
Dan is also a particulary good person to be around and easily covers what would be a difficult conversation in a friendly and caring manner.
Macro Adventures
Apr 13, 2022
The service from Daniel and his team has been first class from start to finish. After explaining to Daniel what we were hoping to achieve he found a fantastic deal within 24hrs. Using the online service to upload the required documents was a breeze and saved so much time. As this was the first remortgage for us in a while i had a number of questions about the process. The team were fantastic in communicating and keeping us up to date at every stage. I would highly recommend Daniel and his team and will be using their services in the future.
Ross Buckingham
Feb 28, 2022
Katie Shacklock
Jan 18, 2022
We were recommended Dan's services after an awful meeting with another mortgage broker. Dan instantly filled us with confidence that he was the right man for the job by asking questions, suggesting options and then responding to our initial consultation within the hour, unlike the previous company!
Getting our mortgage was a smooth process that Dan and his colleagues gently led us through, keeping in contact at all times and answering questions promptly so I didn't have to chase or worry. Worth his weight in gold, I have already recommended him to my friends and would recommend him to anyone reading this! Thanks Dan!
Getting our mortgage was a smooth process that Dan and his colleagues gently led us through, keeping in contact at all times and answering questions promptly so I didn't have to chase or worry. Worth his weight in gold, I have already recommended him to my friends and would recommend him to anyone reading this! Thanks Dan!