We advise on a wide range of mortgage needs, including:
• First-time buyer mortgages
• Home mover mortgages
• Remortgages
• Buy-to-let and property investment
• Self-employed and complex income
• Bridging finance
• Rural and equestrian mortgages
• Mortgage and protection advice
Our friendly team is based a few miles north of York and works with clients throughout York and North Yorkshire.
No jargon, no silly questions – just straightforward advice and support from people who take the time to understand what you’re trying to achieve.
Business details
- Year established: 2021
- Employees: 5
Payment methods
- Cash
- Debit cards
- Credit cards
Services
We provide independent residential mortgage advice, searching the whole market to identify suitable options for your circumstances, income and plans. Our guidance covers mortgage types, terms, deposits, loan-to-value ratios and repayment options. We manage the application process through to completion, keeping you informed throughout. We also explain costs and risks clearly.
We provide expert, honest advice on remortgaging, helping you replace your existing mortgage with a new deal from your current or another lender. We review your mortgage, search the whole market and consider fees to establish whether switching could reduce payments, release equity, secure better terms or consolidate debt, while carefully assessing your circumstances.
We provide expert and honest advice on limited company buy-to-let mortgages, where properties are purchased and managed through a limited company. This structure can offer potential tax benefits, particularly for landlords with multiple properties, although it involves additional administration and costs. Mortgage availability and lending criteria vary, while interest rates may be higher than personal buy-to-let loans.
Commercial mortgages provide funding to purchase, refinance, or develop business properties, including offices, retail spaces, warehouses, and other commercial premises. We focus on residential mortgages and are not authorised to advise on commercial mortgages. Where required, we can recommend trusted partners specialising in this area, who can provide expert guidance on suitable finance options and lenders.
Reviews (29)
Lisa Butler
Aug 24, 2026
Joe Tuohy
Aug 24, 2026
Jack Routledge
Aug 21, 2026
Hannah was exceptional from start to finish.
Having never used a mortgage broker I entered with some hesitance but wish I taken the leap sooner.
During my purchase, I never had to worry about where I was up to with my mortgage, what was going on, if anything needed chasing… it was always in hand.
Hannah had it all covered, she always kept me updated; she did so with humour, genuine care and thought and was a consummate professional throughout.
The attention to detail was to the extent of changing my product when a better rate was came to market and ensured I always had the best offer in front of me.
Having in-house home insurance brokers was also a dream. A single provider for all my requirements, made life so much easier.
I’d highly recommend Hannah, Roxy and the team to anybody considering purchasing a property. The new home gifts were also greatly appreciated!
Having never used a mortgage broker I entered with some hesitance but wish I taken the leap sooner.
During my purchase, I never had to worry about where I was up to with my mortgage, what was going on, if anything needed chasing… it was always in hand.
Hannah had it all covered, she always kept me updated; she did so with humour, genuine care and thought and was a consummate professional throughout.
The attention to detail was to the extent of changing my product when a better rate was came to market and ensured I always had the best offer in front of me.
Having in-house home insurance brokers was also a dream. A single provider for all my requirements, made life so much easier.
I’d highly recommend Hannah, Roxy and the team to anybody considering purchasing a property. The new home gifts were also greatly appreciated!
Alexandra Lancaster
Aug 21, 2026
Shona O'Donnell
Aug 21, 2026
I have used Hannah and her team several times over the past number of years. They are such a pleasure to work with, always keeping us informed and giving loads of options while laying out the benefits associated with each mortgage deal available to us. They also took the time to have lengthy phone calls when needed to explain things in detail. Would highly recommend to all my family and friends.
Hannah Holmes
Aug 20, 2026
Julie Bray
Aug 19, 2026
Roxy arranged our mortgage and was fantastic throughout. She made everything straightforward, kept us well informed and was always on hand if we had any questions. Having experienced the service personally, we’re also very happy to recommend RHFS to our clients through Chestnut Solutions. A great service and lovely people to work with.
Gemma Maddison
Aug 19, 2026
Damian Marsden
Aug 19, 2026
Connie Chan
Aug 19, 2026
Lynda Fairclough
Aug 19, 2026
Alice Dady
Aug 19, 2026
Myself & my husband had fantastic advice from the team at RHFS for our last house purchase. From the very beginning, the team were professional, knowledgeable and genuinely focused on finding the right solution for us. The whole process was explained clearly from start to finish and I always felt I was in safe hands. Thank you RHFS!
Nicky Sanderson
Aug 19, 2026
Ian Sanderson
Aug 19, 2026
Gareth Hardware
Jun 30, 2026
Mark Smith
Jun 05, 2026
Roxy and Amy have been absolutely fantastic, nothing g was a problem for them however other companies had turned their nose up at my circumstances around newly formed businesses etc. they were level headed and simplified the process giving me nothing but confidence all the way through. I would not hesitate to recommend RHFS.
Laura Labadie
Mar 18, 2026
Rachel Thompson
Feb 18, 2026
Cyw
Jan 12, 2026
Andy Watson
Nov 04, 2025
Vicky Hudson
Aug 17, 2025
Rob
Aug 04, 2025
I'm on my second mortgage arranged by Roxy, both have been hassle free and at very competitive rates. The process was so easy I cannot understand why anyone would try and take on the task themselves, fast, efficient and always comes with expert advice, there's no question I'll be back for when the time comes around again.
Amelia Du Boulay
Jul 25, 2025
Louis Pern
Jul 22, 2025
Jenna Partington
May 21, 2025
Roxy did my recent move in October to a non conventional building, it seemed like a huge mountain to find a lender, but Roxy found a lender and made the process completely straightforward and totally stress free! I highly recommend this team of professional, diligent and dedicated women who make moving house and remortgaging easy! RHFS also did my life insurance which as a single parent was really important to me, they made sure it covers my needs and is affordable and provided me with lots of easy to digest information and options! I would definitely use them in the future
Nicola Harkess
Apr 24, 2025
Amber F.
Mar 22, 2025
Victoria Maw
Mar 09, 2025
RH Financial Services were brilliant from start to finish! They made the whole process so stress free as getting a mortgage being self employed wasn’t easy until dealing with Rox! I have used them for many years now for renewal and always get the very best service! Can’t recommend enough - thank you for all your help! 5+*
Lauren Ainley
Jan 13, 2025
We are so grateful to Hannah for helping us buy our first home! She was incredibly helpful and supportive throughout the entire process. Hannah went above and beyond to make everything as smooth as possible. Her advice was always clear and easy to understand, which gave us so much confidence in making such a big decision. We couldn’t have done it without her and would highly recommend her to anyone looking for a mortgage advisor. Thank you, Hannah!