About Us

Get in touch today to discuss the most suitable mortgage option for you.

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About the team 

The Heritage Mortgages team has a combined experience of over 100 years in the financial services and property industries.

We have advisers based across Dorset, Hampshire and London, who are happy to meet with you face-to face-or discuss your requirements over the phone if you prefer.

Whatever your enquiry, our team of qualified advisers is ready and able to help with just about any type of property funding need you may have.

Our Adviser team prides themselves on availability and will go out of their way to be contactable to suit your needs. We are happy to answer questions via Whatsapp outside of office hours, and can complete your agreement in principle at the weekend if necessary. This means those clients working less conventional hours don’t miss out on their ideal property.

About Heritage Mortgages

Heritage Mortgages are fully independent and can access any regulated lender in the UK. Whether you’re buying your first home, remortgaging, upsizing, or even looking to grow your Buy to Let portfolio, we’ll provide you with all the advice and guidance you need throughout the entire application process and beyond.

Your Heritage adviser will also take on much of the administrative aspect of your mortgage application, working with the major stakeholders within the house buying process (estate agents, solicitors, and surveyors) to ensure that your journey is as smooth and stress-free as possible.

We can provide advice in the following areas:

  • First-Time Buyer Mortgages
  • Home-Mover Mortgages
  • Remortgaging
  • Mortgage Rate Reviews
  • Buy-to-Let Mortgages
  • Life and Property Protection policies
  • Commercial and Bridging Loans 

Our aim is to help you achieve a binding mortgage offer as quickly and efficiently as possible. We also support you throughout the rest of the process, to ensure that your mortgage completes as quickly as possible too.

We are directly authorised with the Financial Conduct Authority and all of our advisers are qualified to at least CeMAP / CertCII (MP) level. 

We pride ourselves on the lifelong service that we offer. As part of that commitment, we will contact you six months prior to the end of your Fixed-rate Mortgage to ensure that you’re never in a position where you’re paying more than you should be on your mortgage. Some of our advisers have clients they have been working with for many years.

Our fees

Our initial consultation, which includes obtaining an Agreement in Principle, is provided entirely free of charge. 

Our standard fee structure* is:

  •  £149 Application Fee, payable when we submit the mortgage application to the lender.
  • £399 Offer Fee, payable when we receive a mortgage offer from the lender.
* Our fees can vary based on the mortgage type and complexity.
The Offer Fee is only charged to you once (a “Lifetime Fee”). If you use our services
again in the future, for a new purchase or remortgage for example, you will only be
charged an Application Fee (based on our fee structure at the time of application).
We don’t charge a fee to switch products with your existing lender.
We’ve reduced our fees for Shared Ownership customers, to £199 on application and £199 on offer (£398 in total).

The fees for more complex cases may be higher than our standard structure, due to the additional work and time involved. This is capped at 1% of the loan.

Your adviser will always confirm and agree any fees payable with you before applying for a mortgage on your behalf.


About our Clients

There is no typical “Heritage client”; we like to take the time and effort to get to know each individual and what their aims and priorities are. This helps us ensure that we can then recommend the most suitable lender and mortgage product for your specific needs. 

In terms of feedback, our clients always have positive things to say about us… but don’t just take our word for it! Our TrustPilot page and Google Reviews will help you to see why our service level is one to be proud of.

Emma Louise Williams

I cannot express the quality of service received as a first time buyer from Luke at Heritage Mortgages. No query to big or small, with quick responses alongside an exemplary level of service, Luke secured a great result during the pandemic so I could purchase my beautiful new home. Great market knowledge surrounding self-employed earnings was clearly evident and secured the desired result. Thank you!

Joshua Flint

Annabelle is a top notch Mortgage broker. She took a year of silly questions, being stupid and setbacks from me and she stuck by me and got me my mortgage on my first home. She’s an excellent person who just thoroughly loves her job and wants to see people happy in their homes. Could not recommend anyone higher! Thank you Annabelle.

Chloe Club

Highly recommend Annabelle, she is a fantastic broker, she sorted our remortgage in a flash! My hubby and I were concerned about the process due to him being self employed but Annabelle got us a DIP in no time at all, a mortgage offer within days and I’m happy to say we’ve just completed. We couldn’t be happier with the service we received, it was faultless – thank you! So if you are reading this and like us you are hesitant about speaking to a broker I’d say just do it, Annabelle took away all the stress and got us a great deal. ?

Why Heritage Mortgages?