Business Details
15 Years
experience
Your Trusted Mortgage Brokers in Milton Keynes
Mortgage Light has been a trusted mortgage advisory firm since 2011, founded by Director Siobhan Holbrook. With over 15 years of experience in the property industry, we specialise in providing tailored mortgage solutions across the UK. Our team combines deep market knowledge with a client-centric approach, offering access to the entire mortgage market and specialist products. We pride ourselves on simplifying complex processes, delivering jargon-free advice, and maintaining transparency throughout the customer journey. Recognised by leading lenders and industry peers, we advocate for clients at every stage, from first-time buyers to commercial property investors.Our commitment to innovation is reflected in our social-first engagement strategy, including TikTok and Instagram platforms, where we demystify mortgages for a wider audience. We maintain strong relationships with banks, building societies, and housing associations, ensuring clients receive competitive rates and bespoke financing options. Our remortgage team provides ongoing support, monitoring rates and reviewing client circumstances to ensure long-term financial alignment. With a focus on education and accessibility, we offer free initial consultations and regular drop-in clinics to foster community engagement and financial literacy.
Services
First Time Buyers
Homemovers
Remortgages
Shared Ownership
Buy to Let
Commercial Mortgages
Self Employed
CIS Workers
Green Mortgages
Bad Credit
Details
- Year established: 2011
Highlights and features
- We offer free initial mortgage consultations with experienced advisers
- Our team provides access to the entire UK mortgage market
- We deliver jargon-free, transparent mortgage advice tailored to individual needs
- Our social-first approach includes educational content on TikTok and Instagram
- We maintain specialist departments for buy-to-let and shared ownership mortgages
Associations and certifications
- Financial Conduct Authority
What people say
No jargon
Seamless process
Fantastic team
5 star service
Expert knowledge
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process. Our advisers help clients understand affordability, secure decisions in principle, and navigate property purchases with confidence. We offer access to 95% loan-to-value mortgages and government schemes, with particular expertise in new build properties and shared ownership options. Our support extends from initial budgeting to completion.
Remortgage Services
Our dedicated remortgage team helps clients optimise their mortgage arrangements. We review existing deals, compare market rates, and facilitate seamless transitions to better products. Services include equity release for home improvements, portfolio restructuring, and protection arrangement reviews. We provide ongoing rate monitoring and regular portfolio assessments to ensure continued financial alignment for homeowners.
Buy-to-Let Mortgages
We offer specialist buy-to-let mortgage solutions for property investors. Our services cover traditional buy-to-let financing, limited company mortgages, and alternative investment structures. We advise on rental income assessments, portfolio diversification, and tax-efficient strategies. Our team maintains relationships with specialist lenders to secure competitive rates for both novice and experienced property investors.
Shared Ownership Mortgages
As market specialists, we facilitate shared ownership mortgages that allow clients to purchase property shares while renting the remaining portion. Our expertise includes helping clients increase ownership stakes over time, navigating housing association requirements, and accessing staircasing options. We work with major providers to secure favourable terms for first-time buyers entering the property market through this route.
Adverse Credit Mortgages
We provide mortgage solutions for clients with credit challenges. Our services include default resolution strategies, credit rebuilding advice, and access to specialist lenders. We assess individual circumstances comprehensively, considering income patterns and mitigating factors to secure mortgage approvals for clients who might otherwise face rejection from mainstream lenders.
People
Siobhan Holbrook
Owner & Director
Founder of Mortgage Light with over 15 years' experience in property and finance. Specialises in new build mortgages and market strategy. Recognised industry leader influencing mortgage product design through lender collaborations.
James Carr
Senior Mortgage & Protection Consultant
Experienced adviser focusing on residential and commercial mortgages. Specialises in complex income cases and protection products. Provides tailored solutions for self-employed clients and CIS workers.
Daniel Hopper
Senior Mortgage & Protection Consultant
Specialist in buy-to-let portfolios and investment mortgages. Advises on tax-efficient structures and limited company mortgages. Maintains strong relationships with specialist lenders to secure competitive rates.
Natasha Daley
Senior Mortgage & Protection Consultant
Expert in first-time buyer mortgages and shared ownership schemes. Focuses on new build properties and government assistance programs. Provides clear guidance through complex purchasing processes.
Dumitru Marocico
Commercial Mortgage Consultant
Specialises in commercial finance solutions including bridging loans and development financing. Advises businesses on premises acquisition and expansion strategies. Maintains relationships with major commercial lenders.
Questions
What is a mortgage broker's role?
A mortgage broker helps you find suitable mortgage products by assessing your financial situation and connecting with lenders offering competitive rates.
Why use a mortgage broker?
Brokers provide access to multiple lenders, help navigate complex criteria, and find tailored solutions that match your specific circumstances.
Can I visit your office?
Yes, we hold monthly drop-in clinics at our Milton Keynes office for face-to-face consultations with mortgage advisers.
What fees apply?
Our typical fees are £495 for residential purchases and £595 for buy-to-let mortgages, agreed before proceeding with applications.
Do you help with bad credit cases?
Yes, we specialise in adverse credit mortgages and work with lenders who consider individual circumstances beyond standard credit scores.
