Business Details
Your Trusted Mortgage & Protection Broker in Puckeridge
Mortgage & Money Management has been providing independent mortgage and protection advice since 2005, combining two decades of industry experience with a commitment to personalized service. Our team of FCA-regulated brokers and administrators delivers tailored solutions across Hertfordshire, Essex, and surrounding areas, maintaining the highest standards of transparency and client care. We conduct whole-of-market searches to identify mortgage products perfectly aligned with individual circumstances, ensuring complete clarity in our decision-making process. Clients benefit from our proactive approach, including pre-application affordability assessments, seamless paperwork management, and ongoing support from initial consultation through to completion.Our expertise extends beyond standard mortgages to specialized services like equity release, buy-to-let financing, and comprehensive protection portfolios covering life assurance, critical illness, and income protection. With a focus on long-term relationships, we provide regular mortgage reviews and maintain a 24/7 accessible support system for ongoing client needs.
Services
Mortgage Brokering
Protection Advice
Equity Release
First Time Buyer Support
Remortgage Services
Highlights and features
- 20 years of experience in mortgage brokering and financial planning
- Conduct whole-of-market searches to find optimal mortgage products
- Provide transparent decision-making processes with full documentation
- Offer tailored protection portfolios including life assurance and income protection
- Maintain proactive client support from application to completion
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Knowledgeable advisors
Highly recommended
Stress-free process
Prompt communication
Services
Mortgage Brokering
Our FCA-regulated brokers provide independent mortgage advice across all product types. We conduct comprehensive affordability assessments and whole-of-market comparisons to identify optimal solutions. Clients receive detailed product explanations, transparent fee structures, and ongoing support throughout the application process. Our expertise covers residential, buy-to-let, and specialist mortgages including Help to Buy schemes.
Equity Release
We offer specialist advice on equity release products for clients aged 55+. Our brokers explain all available options including lifetime mortgages and retirement interest-only products. We provide clear illustrations of long-term implications, including impact on inheritance and benefits. The service includes lender comparisons and guidance through the legal requirements of equity release.
Protection Advice
Our protection services cover life assurance, critical illness cover, and income protection policies. We create tailored insurance packages to safeguard clients' financial security. The service includes policy comparisons, benefit explanations, and recommendations based on individual circumstances and family needs.
First Time Buyer Support
Specialist support for first-time buyers navigating the mortgage process. We explain all available schemes including Help to Buy and Shared Ownership. Our brokers provide clear explanations of affordability criteria, assist with deposit planning, and offer step-by-step guidance through the entire purchasing process.
Remortgage Services
We help clients secure better mortgage terms when existing deals expire. Our service includes current financial position analysis, market comparisons, and early repayment charge calculations. We manage the entire process including lender communication and legal documentation to ensure smooth transitions.
People
Oliver Dulson
Mortgage Adviser
With over 15 years' experience, Oliver specialises in first-time buyer mortgages and complex property transactions. He maintains regular lender relationships to secure exclusive deals and provides ongoing support throughout clients' property journeys.
Simon Muir
Senior Broker
Simon leads our remortgage team with expertise in portfolio management and buy-to-let financing. He has over 18 years' experience advising property investors and homeowners on optimal mortgage structures and tax-efficient strategies.
David Brewster
Essex Office Manager
David oversees our Westcliff-on-Sea office, specialising in new build mortgages and self-employed client applications. He has developed strong regional lender networks to benefit local property market participants.
Katie Smith
Protection Specialist
Katie focuses on life assurance and critical illness cover, helping clients protect their families' financial futures. She works closely with underwriters to secure competitive terms for clients with pre-existing medical conditions.
Edd Jones
Equity Release Adviser
Edd specialises in later-life lending solutions, holding the Certificate for Later Life Advising. He provides clear guidance on equity release implications and alternative options for older homeowners.
Questions
What mortgage types do you offer?
We provide all mortgage types including residential, buy-to-let, Help to Buy, equity release, and specialist mortgages for self-employed individuals and expats.
Are you regulated by the FCA?
Yes, Mortgage & Money Management is authorised and regulated by the Financial Conduct Authority (FCA: 452616) for mortgage and protection advice.
Do you charge for initial consultations?
No, our initial mortgage consultations carry no cost. We provide clear explanations of any fees before proceeding with any application.
Can you help with equity release?
Yes, we offer specialist equity release advice including lifetime mortgages and retirement interest-only products for clients aged 55+.
How do you find the best mortgage deals?
We conduct whole-of-market searches to compare all available products, considering both standard rates and total costs including fees and incentives.
What protection services do you offer?
We provide life assurance, critical illness cover, income protection, and family income benefit policies tailored to individual circumstances and budgets.
