Business Details
11 Years
experience
Your Trusted Mortgage Broker in Epsom
Apple Mortgage Solutions has been providing impartial mortgage advice since 1997, combining extensive market experience with a client-focused approach. Our team of qualified advisers specialises in first-time buyer mortgages, remortgaging, equity release, and buy-to-let solutions, ensuring tailored financial strategies for diverse client needs. With a commitment to transparency, we charge a standard fee of 750 for mortgage services and offer access to a comprehensive range of products from across the market. Our director, Joe Quigley, brings over 25 years of industry expertise, having previously worked with major high-street banks before establishing our independent practice in 2015. We pride ourselves on delivering reliable advice, maintaining authorisation by the Financial Conduct Authority, and supporting clients through every stage of the mortgage process.Our office manager, Mark Thorpe, with 45 years of industry experience, ensures efficient handling of all administrative requirements. Client testimonials consistently highlight our professionalism, market knowledge, and ability to secure optimal deals. We operate from our Epsom-based office, serving clients nationwide while adhering to strict data protection standards. Our fee structure remains clear and competitive, with payment only required upon successful completion of transactions. This combination of experience, regulatory compliance, and client-centric service positions us as trusted partners in mortgage solutions.
Services
Mortgage Advice
Lifetime Mortgages
Equity Release
Insurance Services
Remortgaging
Buy to Let Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Buildings Insurance
Details
- Year established: 2015
Highlights and features
- We offer impartial advice from qualified FCA-regulated advisers
- Extensive mortgage market experience since 1997
- Tailored solutions for first-time buyers, remortgaging, and equity release
- Transparent fee structure with 750 standard mortgage service charge
- Personalised support available outside normal business hours
Associations and certifications
- Financial Conduct Authority
What people say
Extremely helpful
Best available deal
Knowledge and expertise
Personalised service
Nothing was ever a problem
Services
Mortgage Advice
We provide impartial mortgage advice covering first-time buyer schemes, remortgaging options, and buy-to-let mortgages. Our FCA-regulated advisers assess your financial situation to recommend suitable products from across the market. With access to exclusive deals not available directly from lenders, we help clients secure competitive rates while maintaining transparent fee structures.
Lifetime Mortgages
Specialist equity release solutions for UK homeowners aged 55+. We offer lifetime mortgages allowing tax-free lump sums or regular income while retaining property ownership. Our advisers explain different interest rate options and potential impacts on state benefits, ensuring informed decisions. We charge a fixed fee of 1,649 for this specialist service.
Insurance Services
Comprehensive insurance solutions including life cover, critical illness protection, income replacement policies, and property insurance. We match clients with appropriate coverage levels at competitive prices. Our advisers explain policy terms and exclusions to ensure adequate financial protection against unforeseen circumstances.
Remortgaging
Expert guidance through the remortgaging process to secure better rates or release equity. We assess early repayment charges, arrange valuations, and manage lender communications. Our service includes market comparisons to identify cost-saving opportunities while considering individual financial circumstances.
Buy to Let Mortgages
Specialist buy-to-let mortgage advice for property investors. We explain different landlord mortgage products, rental income calculations, and tax implications. Our service includes portfolio management strategies and access to lenders offering competitive terms for property investors seeking to expand their holdings.
People
Joe Quigley
Director
With over 25 years in financial services since joining Midland Bank in 1997, Joe established Apple Mortgage Solutions in 2015. He holds full mortgage advisory qualifications and specialises in complex lending solutions.
Mark Thorpe
Mortgage Adviser & Office Manager
Bringing 45 years of industry experience since 1978, Mark manages administrative operations while providing mortgage advice. His extensive knowledge ensures efficient processing of client documentation and regulatory compliance.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, equity release, buy-to-let mortgages, and associated insurance products.
How are your fees structured?
Our standard mortgage service costs £750, with lifetime mortgage arrangements charged at £1,649, payable on completion.
Are you regulated by financial authorities?
Yes, we operate under Financial Conduct Authority authorisation with reference number 913094.
Can you help with equity release?
We offer comprehensive lifetime mortgage products for UK homeowners aged 55+ seeking tax-free lump sums or income.
What protection does your insurance service provide?
We arrange life insurance, critical illness cover, income protection, and property insurance tailored to individual needs.
How do I register a complaint?
Contact us directly via phone or written correspondence, or escalate to the Financial Ombudsman Service if required.
