Business Details
33 Years
experience
Expert Mortgage Brokers in Camberley, Surrey
Michael Usher Mortgage Services is a family-run business with over 30 years of experience serving clients in Surrey, Hampshire, and Berkshire. Founded in 1993, our team of 30 dedicated professionals prioritises honesty, transparency, and client satisfaction. We specialise in mortgages, equity release, insurance, and wills, offering access to a wide range of market deals, including specialist products unavailable directly. Our CeMap-qualified advisors handle the entire process, from initial consultation to completion, ensuring a seamless experience.Recognised as a multi-award-winning firm, we maintain impartiality by working with diverse lenders while protecting clients' credit scores through non-invasive initial checks. Our commitment to excellence has earned us a 5-star rating on Trustpilot and Google Reviews, with thousands of satisfied customers returning for our expertise in complex cases such as adverse credit and self-employed mortgages.
Services
Mortgages
Remortgage
Moving House
First Time Buyer
Buy To Let
Equity Release
Insurance
Wills
Commercial Mortgages
Development Mortgages
Details
- Year established: 1993
Highlights and features
- 30 years of local mortgage expertise with a 5-star Trustpilot rating
- CeMap-qualified advisors handling complex cases including adverse credit
- Access to exclusive market deals unavailable through direct lenders
- Non-invasive initial checks to protect clients' credit scores
- Award-winning impartial advice from multi-award-winning brokers
Associations and certifications
- Financial Conduct Authority (FCA)
- Institute of Professional Will Writers
What people say
Excellent service
Knowledgeable advisors
Stress-free process
Fantastic service
Highly recommend
Services
Mortgages
We provide comprehensive mortgage solutions tailored to individual circumstances. Our CeMap-qualified advisors access exclusive market deals unavailable through direct lenders, specialising in first-time buyer schemes, buy-to-let investments, and complex cases. With impartial advice and a 30-year track record, we secure competitive rates while protecting clients' credit scores through non-invasive initial checks.
Remortgage
Our remortgaging service helps clients access better rates and release equity without unnecessary credit checks. We specialise in seamless transitions for those nearing fixed-rate expiry, offering competitive deals and expert guidance on potential savings. Our team handles all paperwork, ensuring minimal disruption while maximising financial benefits.
Equity Release
Tailored equity release solutions enable homeowners to access property wealth while maintaining residency. We specialise in lifetime mortgages and refer to approved specialists for home reversion schemes. Our advisors ensure clients understand all implications, providing clear guidance on inheritance tax considerations and alternative options.
Insurance
Our insurance services provide financial security through life cover, critical illness protection, and income benefit plans. We create bespoke policies that align with mortgage requirements and personal circumstances, ensuring families remain protected against unforeseen events while maintaining policy flexibility.
Wills
Professional will writing and probate services ensure clients' wishes are legally documented. Our Institute of Professional Will Writers-certified team handles lasting power of attorney arrangements and estate planning, providing peace of mind through legally sound documentation and inheritance tax considerations.
People
Michael Usher
Director
Founder of Michael Usher Mortgage Services with 30 years' experience. Recognised as a trusted local advisor, Michael combines industry expertise with community involvement. He leads a team of specialists while maintaining hands-on client relationships.
Mitch Atkins
Director
Director with over a decade of mortgage advisory experience. Mitch combines managerial expertise with client-focused service, specialising in simplifying complex mortgage processes while maintaining a customer-first approach.
Lisa Usher
Mortgage & Protection Advisor
Qualified mortgage advisor with specialist expertise in equity release and will writing. Lisa provides comprehensive financial solutions, combining technical knowledge with empathetic client support since joining in 2010.
Sean Usher
Mortgage & Protection Advisor
Experienced mortgage specialist focusing on first-time buyers and adverse credit cases. Sean's expertise in later-life lending helps clients maximise property equity while maintaining financial security.
David Prior
Wills & Probate Specialist
Wills and power of attorney expert providing estate planning solutions. David combines legal expertise with compassionate guidance, ensuring clients' wishes are documented through legally sound documentation.
Questions
What mortgage services do you offer?
We provide residential and commercial mortgages, remortgaging, equity release, buy-to-let, first-time buyer schemes, and specialist products for complex cases including adverse credit.
How do you differ from high-street banks?
As independent brokers, we access exclusive deals unavailable directly. Our impartial advice considers 30+ lenders, and we protect credit scores by avoiding unnecessary checks during initial consultations.
Do you charge for mortgage advice?
We disclose all fees upfront. While some services have fixed fees, we only apply for likely-approved deals to avoid wasting clients' time or money on unsuccessful applications.
Can you help with complex mortgage cases?
Our team specialises in challenging cases including self-employed mortgages, adverse credit, and later-life lending. We've successfully arranged mortgages for clients other lenders have declined.
What areas do you cover?
We primarily serve Surrey, Hampshire, and Berkshire from our Camberley office, but our services extend nationwide through phone and video consultations for clients across the UK.
How do you protect clients' credit scores?
We conduct initial market searches without credit checks. When applying, we only submit applications to lenders with high approval likelihood, minimising credit score impact from rejections.
