Business Details
21 Years
experience
Expert Mortgage Advisers in Leeds
Established in 2005, Response Mortgage Services has built a reputation for delivering honest and ethical mortgage advice tailored to individual client needs. Our team of experienced professionals combines deep market knowledge with a commitment to independent service, ensuring clients receive impartial guidance across the entire mortgage spectrum. With access to the whole market, we specialise in finding optimal solutions for first-time buyers, remortgagers, and buy-to-let investors. Our approach prioritises long-term client relationships, supported by rigorous research into evolving mortgage products and regulatory frameworks.We maintain authorisation from the Financial Conduct Authority, adhering to strict compliance standards while offering transparent fee structures. Our expertise extends beyond mortgages to include protection and insurance services, ensuring comprehensive financial planning support. Through consistent client engagement and process optimisation, we have successfully facilitated numerous property transactions while maintaining a strong focus on customer satisfaction. Our Leeds-based team remains dedicated to simplifying complex financial decisions through clear communication and personalised service delivery.
Services
First Time Buyers
Re-Mortgages
Buy to Let
Right to Buy
Self Employed Mortgages
Bad Credit Mortgages
Later Life Lending
Life Cover
Critical Illness Cover
Income Protection
Details
- Year established: 2005
Highlights and features
- We offer 19 years of mortgage market expertise since 2005
- Our team holds FCA authorisation and regulatory compliance credentials
- We provide whole-of-market mortgage comparisons with transparent fee structures
- Our advisers maintain ongoing professional development in mortgage products
- We combine mortgage advice with integrated protection and insurance solutions
Associations and certifications
- Financial Conduct Authority
What people say
Very helpful
Professional and supportive
Quick to respond
Saved money
Stress-free process
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. Our advisers guide clients through the entire buying process, from initial affordability assessments to completion. We access exclusive first-time buyer deals while explaining government schemes like Help to Buy. Our service includes step-by-step support with documentation and application processes.
Buy to Let Financing
Tailored mortgage products for property investors. We provide comprehensive analysis of buy-to-let market options, including interest-only terms and portfolio management strategies. Our team explains tax implications and helps structure financing to maximise rental income potential while meeting lender criteria for multiple property owners.
Life Assurance Cover
Customised life insurance policies to protect dependants financially. We offer level term, decreasing term, and family income benefit options with fixed premiums. Our advisers explain policy features, help determine appropriate coverage amounts, and ensure alignment with mortgage repayment schedules for comprehensive financial security.
Critical Illness Cover
Insurance solutions providing lump sum payments upon diagnosis of specified serious illnesses. We compare policies covering conditions like cancer, heart attacks, and strokes, helping clients understand policy exclusions and select appropriate coverage levels to protect against income loss during medical recovery periods.
Income Protection Plans
Long-term insurance maintaining financial stability during work incapacity. Our advisers explain policy terms including deferred periods, benefit amounts, and exclusions. We help structure coverage to replace up to 70% of income for self-employed individuals and employees facing illness or accident-related work absence.
People
Andrew Quinn
Managing Director
With 19 years in financial services since 2005, Andrew established Response Mortgage Services after working with major insurance firms. He specialises in residential and buy-to-let mortgages while overseeing protection services. His leadership focuses on maintaining customer-centric values through team development and market expertise.
Kevin Lawson
Senior Mortgage Adviser
Holding 24 years of industry experience since 1989, Kevin specialises in residential and buy-to-let mortgages. His expertise includes complex cases and protection planning, developed through roles at Leeds-based brokers and estate agencies. He maintains a client-first approach aligned with the company's ethical standards.
Josh Quinn
Operations Manager
Joining in 2018, Josh progressed from work experience to full-time operations management. With six years of hands-on mortgage process experience, he focuses on streamlining client journeys while maintaining service quality. His rugby coaching background complements his organisational skills in mortgage administration.
Siobhan Haran
Mortgage Adviser
Bringing 14 years of mortgage expertise since 2010, Siobhan specialises in client-facing advisory roles. Her experience includes working with major estate agents and self-employment, returning to Response Mortgage Services in 2022. She focuses on making complex mortgage processes accessible while ensuring protection coverage for clients.
Sam Tarrant-Willis
Life & Protection Manager
With 16 years at Response Mortgage Services since 2008, Sam specialises in financial protection products. Qualified as an Independent Financial Advisor in 2010, they focus on life insurance and critical illness cover, ensuring clients maintain financial security through comprehensive protection strategies aligned with mortgage requirements.
Questions
What mortgage options exist for first-time buyers?
We offer Help to Buy schemes, 95% LTV mortgages, and government-backed initiatives. Our advisers explain deposit requirements, affordability criteria, and available incentives to help first-time buyers enter the property market.
Can I remortgage with bad credit history?
Yes, we work with specialist lenders offering adverse credit mortgages. Our advisers assess your specific circumstances, explain available options, and help structure applications to maximise approval chances while improving credit positioning.
How do buy-to-let mortgages differ from residential loans?
Buy-to-let mortgages require higher deposits (typically 25%+), use interest-only terms, and consider rental income coverage. We explain tax implications, portfolio management strategies, and lender-specific criteria for property investors.
What protection plans should mortgage holders consider?
Essential protections include life insurance matching mortgage terms, critical illness cover for income protection, and buildings insurance. Our advisers help structure comprehensive protection packages aligned with your financial circumstances and property investments.
How does your mortgage advice process work?
We begin with a fact-finding consultation to understand your financial situation, then access the whole market to identify suitable products. Our process includes detailed explanations of mortgage terms, application support, and ongoing service through completion.
What fees apply to your mortgage services?
Our standard fee is £495 for mortgage advice services, clearly explained before application. We retain any commission paid by lenders, with no hidden charges. Complex cases may require additional fees discussed upfront.
