Business Details
27 Years
experience
Expert Mortgage Advisers in Harrogate
Established over 25 years ago, Mortgage Solutions has built a reputation as Harrogate's highest-rated mortgage advisory firm, with more than 200 genuine client reviews. Our team combines professional mortgage and insurance advice with exceptional customer service, prioritising transparency and tailored solutions for first-time buyers, home movers, and investors. We work with over 90 lenders, including high-street banks and specialist providers, to secure market-leading mortgage products.Our commitment to regular reviews ensures clients maintain optimal financial arrangements throughout their property journey. As an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority, we uphold rigorous professional standards while maintaining a friendly, approachable style that puts clients first.
Services
Mortgage Advisers
Protection Services
First Time Buyer
Remortgaging
Buy to Let
Life Insurance
Income Protection
Critical Illness Cover
Mortgage In Principle
Property Finance
Details
- Year established: 1999
Highlights and features
- We have over 25 years' experience in mortgage advisory services
- We work with 90+ lenders including major high-street banks
- We provide 5-star rated, transparent mortgage advice
- Our team offers regular mortgage reviews for optimal rates
- We combine professional expertise with a personal approach
What people say
Excellent service
Trustworthy advisors
Outstanding ongoing service
Highly recommended
Efficient process
Services
Mortgage Advisers
Our mortgage advisory service provides expert guidance through property finance options, specialising in first-time purchases, remortgaging, and buy-to-let investments. With access to 90+ lenders, we secure competitive rates tailored to individual circumstances. Our FCA-regulated advice ensures clients receive market-leading products with transparent terms, supported by ongoing portfolio reviews.
Protection Services
We offer comprehensive protection solutions including life insurance, critical illness cover, and income protection. Our bespoke policies ensure financial security for clients' families and properties, with no charge for advisory services. All policies are advised through regulated frameworks, providing peace of mind and regulatory protection.
First Time Buyer
Specialist support for first-time property purchasers, covering mortgage options from 5% deposits and affordability assessments. We provide budget planners, mortgage in principle certificates, and property viewing checklists. Our team simplifies complex processes while explaining all fees and long-term commitments clearly.
Remortgaging
Our remortgaging service helps clients secure better rates, release equity, or consolidate debts. We analyse early repayment charges, valuation fees, and solicitor costs to determine optimal solutions. With access to exclusive deals, we ensure seamless transitions between lenders or products.
Buy to Let
Specialist buy-to-let mortgage advice covering investment properties, portfolio management, and tax-efficient structures. We access lenders offering competitive rates for landlords, with expertise in navigating regulatory requirements and maximising rental income potential.
People
Stuart
Mortgage Adviser
With over 25 years' experience in mortgage advisory services, Stuart specialises in helping clients with first-time purchases, remortgaging, and buy-to-let investments. His approach combines professional expertise with a personal touch, ensuring clients receive tailored financial solutions.
Gemma
Mortgage Adviser
Gemma provides expert mortgage advice with a focus on client education and transparent communication. Her knowledge spans various mortgage products and financial scenarios, helping clients make informed decisions about property finance.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, second home financing, adverse credit solutions, and mortgage in principle certificates.
How do your mortgage fees work?
Our mortgage advice fees range from £150 to £695, discussed and agreed upfront. We offer transparent pricing with no hidden charges.
Are you regulated by financial authorities?
Yes, we're an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority (reference 303397).
Do you offer online mortgage advice?
Yes, we provide online, telephone, and face-to-face mortgage consultations to accommodate all client preferences.
What protection services are available?
We offer life insurance, critical illness cover, and income protection policies tailored to individual financial circumstances and property investments.
Reviews (7)
Chloe Chandler
Feb 24, 2022
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I have used Mortgage Solutions for the past couple of years their service is second to none. Stuart, Gemma & Emma all dealt with my queries and questions professionally providing expert advice on my mortgage and insurance deals and keeping me up to date every step of the way. Sorting a new mortgage deal can be a really daunting task, however Stuart and his team really took all that away from me. They provided me with an invaluable service and I have recommended them to colleagues and family members and would recommend them to anyone looking for a hassle free service.
Phillip Tiffany
Feb 24, 2022
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I'd highly recommend this company to anybody looking for a mortgage. Stuart and his team were informative and more than helpful throughout the whole process. Stuart went above and beyond, was understanding and reassuring even out of working hours and during weekends on occasion. Ours was not a straight forward case but he always made us feel we were his top priority. Would definitely use again in the future!
Debby Mack
Feb 23, 2022
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Both my brother and my sister recommended Mortgage Solutions. Stuart was so helpful in finding me a competitive mortgage. I've had two new mortgages since and recently Gemma helped me find a new fixed 5 year contract. Both Stewart and Gemma respond quickly to requests and have always provided a professional, friendly, efficient and quick service. I can't recommend them highly enough.
Hannah Mason
Feb 19, 2022
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I have used Mortgage Solutions twice now and can highly recommend them. I am self employed and Stuart has always found me a good deal. He is prompt with his replies and is always on hand to offer advice. He has a great team and I will definitely use them again.
Andrea Benson
Feb 09, 2022
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We have been working with Stuart at Mortgage Solutions for quite a few years now, in fact our children have now moved on and all used Stuart for their mortgages. I could wax lyrical about the professionalism of the service you receive but it comes down to the fact that Stuart and his team really know their business and really look after you and carry on looking after you and your business. We wouldn't hesitate to recommend Mortgage Solutions to anybody.
Julie Campbell
Feb 08, 2022
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Stuart and the team at mortgage solutions are always extremely professional and friendly and they always work very hard to get us the best deal to suit our circumstances. They also conduct periodic reviews to ensure we remain on the best deal. They have helped us with a number of mortgages over the last 10 years including our main mortgage, a re mortgage, a let to buy and more recently 2 buy to let's. We would highly recommend Stuart and his team.
Jonny Lundy
Feb 06, 2022
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Mortgage Solutions were recommended to me by a family member, and I'm glad they were. I wasn't an easy client and my circumstances not always typical and I was always in touch with the office with some question or other. I was provided exceptionally great service along with infinite amounts of patience, time and above all, expertise! Mortgage solutions worked hard to get me a great deal with the right lender. I'd never go anywhere else for mortgage advice.
