Business Details
Trusted Mortgage Advisors in Lymington
Established to provide a distinct approach to mortgage advice, we prioritise long-term client relationships over transactional interactions. Our team, led by Director Simon Upton, brings extensive expertise in residential and commercial mortgages, serving clients from Lymington and London. We specialise in tailoring solutions for first-time buyers, home movers, buy-to-let investors, and self-employed individuals, leveraging strong lender relationships to secure competitive rates. Our ethos centres on honesty, transparency, and treating clients as individuals, not numbers.With a focus on legal professionals, city bankers, and accountants, we offer impartial advice and proactive support throughout the mortgage lifecycle. Annual client check-ins and pre-remortgage alerts ensure ongoing suitability. Regulated by the FCA, we combine regulatory compliance with a personal touch, ensuring clients receive advice aligned with their unique circumstances. Our commitment to client-centric service has fostered growth through word-of-mouth referrals and professional introducer partnerships.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Remortgages
Commercial Mortgages
Let to Buy Mortgages
Highlights and features
- We treat clients as individuals, not numbers, ensuring personalised advice.
- Our long-term relationships are built on honesty, transparency, and integrity.
- We offer access to exclusive mortgage rates unavailable directly to consumers.
- Annual client check-ins ensure ongoing suitability of mortgage arrangements.
- Proactive remortgage alerts help avoid punitive lender rates at fixed-term end.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Personalised approach
Expert advice
Trustworthy
No pressure sales
Annual check-ins
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process, offering tailored solutions that consider individual financial circumstances. Our expertise ensures access to competitive rates and government schemes. With a focus on clarity and support, we simplify the journey to homeownership while maintaining regulatory compliance and long-term affordability.
Buy to Let Mortgages
Our buy-to-let expertise caters to both novice and experienced landlords, providing portfolio-specific advice and competitive financing options. We assess rental income potential and tax implications to ensure sustainable investments. With market knowledge spanning London and regional property markets, we help clients build and expand their property portfolios effectively.
Commercial Mortgages
We offer commercial mortgage solutions for businesses seeking property financing, including office spaces, retail units, and industrial premises. Our approach considers business cashflow and growth projections to secure suitable financing. With lender relationships across the UK, we provide access to competitive rates and flexible terms tailored to commercial property needs.
Remortgages
Our remortgage service helps clients secure better rates and terms as fixed periods end. We proactively contact clients ahead of rate changes to avoid punitive standard variable rates. By analysing market options and individual circumstances, we ensure seamless transitions to more competitive deals while maintaining regulatory compliance.
Let to Buy Mortgages
We provide specialist advice for homeowners transitioning from owner-occupiers to landlords while purchasing new properties. Our solutions consider both rental income and new mortgage affordability requirements. With expertise in complex scenarios, we help clients navigate regulatory requirements and secure financing that aligns with their property and financial goals.
People
Simon Upton
Director
Simon founded the business to provide a more personal approach to mortgage advice. With extensive industry experience, he specialises in complex mortgage solutions and client relationship management. His leadership focuses on ethical practices and long-term client satisfaction.
Shelley Powell
Mortgage Adviser
Shelley provides expert mortgage advice, specialising in residential and buy-to-let financing. With a client-centric approach, she ensures tailored solutions for first-time buyers and experienced property investors alike. Her expertise spans affordability assessments and lender negotiations.
Questions
What types of mortgages do you offer?
We offer first-time buyer, buy-to-let, remortgage, commercial, and let-to-buy mortgages, tailored to individual circumstances and financial goals.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 457420.
Do you offer online mortgage applications?
While we provide digital communication options, we prioritise advised sales to ensure appropriate mortgage recommendations aligned with client needs.
How do you help clients avoid high lender rates?
We proactively contact clients before fixed-rate periods end to arrange competitive remortgage deals, preventing automatic transfer to standard variable rates.
What areas do you serve?
We operate nationwide with offices in Lymington and London, specialising in the New Forest area and London property markets.
Can you help self-employed individuals?
Yes, we specialise in mortgage solutions for self-employed applicants, including business owners and professionals requiring income verification support.
