Is finding the right mortgage keeping you up at night?

Whether you’re buying your first home, expanding a property portfolio or releasing equity for retirement, today’s mortgage market is more complex than ever. Thousands of products, constantly changing rates and strict lending criteria make finding the right deal overwhelming.

The wrong choice could cost you thousands in unnecessary interest and fees. The right one could save you money every month and provide the flexibility you need as your life changes.

At Heathcote Financial Planning, we navigate the entire mortgage market on your behalf, finding solutions that fit your unique circumstances. From straightforward residential mortgages to complex commercial finance, we’ll guide you through every step with clarity and confidence.

Financial planning and investments, mortgage advice for Gloucester, Cheltenham, Worcester, Oxford, Bath, Birmingham, Bristol, Swindon, Reading, Milton Keynes, Richmond, Twickenham, Wimbledon
Financial planning and investments, mortgage advice for Gloucester, Cheltenham, Worcester, Oxford, Bath, Birmingham, Bristol, Swindon, Reading, Milton Keynes, Richmond, Twickenham, Wimbledon

Why professional mortgage advice matters

Professional mortgage advice opens doors you didn’t know existed.

Going direct to a lender means seeing only their products. Comparison websites show the most popular deals but might miss the specialist lenders offering exactly what you need. And many buyers focus solely on the headline rate, overlooking fees, penalties and terms that could prove costly later.

We understand how different lenders assess applications and where to find the most competitive deals for your situation. And when lenders say no, we can often find one who says yes.

That’s the difference our independent, whole-market advice makes.

Mortgage solutions we can help you with

Whatever your property finance needs, we’ll search the entire market to find the right solution. Every situation is unique, and we specialise in matching borrowers with lenders who understand their specific requirements. We can help with:

  • Residential mortgages – First homes, remortgages or moving up the ladder? We’ll find competitive rates and explain all the options clearly.
  • Buy-to-let mortgages – Including HMOs and limited company structures. We understand the tax implications and help maximise your investment returns.
  • Second homes and holiday lets – Specialist finance for lifestyle purchases or investment properties with seasonal income.
  • Self-build and renovation – Stage payment mortgages for new builds or finance for properties needing work before they’re mortgageable.
  • Bridging loans – Short-term funding for auction purchases, chain breaks or when you need to move quickly.
  • Commercial property – From small shops to large investments, we access specialist commercial lenders.
  • Equity release – Lifetime mortgages to unlock cash from your property while remaining in your home.
  • Further advances and second charges – Sometimes better than remortgaging, especially with existing low rates.

Our independence means we’re not restricted to a panel of lenders or tied to any bank. We search everywhere to find what works for you.

How we work

Your mortgage is likely your most significant financial commitment. So, making the right choice is crucial. We start with understanding your situation and goals, explaining your options in plain English.

Once you’re clear on the best route forward, we handle the hard work. We’ll package your application to show you in the best light, highlighting strengths and addressing any potential concerns upfront. This preparation often makes the difference between approval and rejection.

Throughout the process, we liaise with lenders, chase paperwork and keep everything moving. Property transactions are stressful enough without wondering whether your mortgage will complete on time. We’ll ensure it does.

After completion, we don’t disappear. We’ll review your mortgage regularly, ensuring you’re not paying more than necessary. When better deals become available or your fixed rate ends, we’ll be ready with your options.

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Why choose Heathcote?

Choosing Heathcote means partnering with a chartered financial planner who puts your interests first. Here’s what sets us apart:

  • Truly independent advice – Access to every lender in the market, not just a restricted panel.
  • Transparent fees – You’ll pay only what’s been clearly agreed upfront, with no hidden charges.
  • Specialist knowledge – We know which lenders suit unusual circumstances and how to present complex cases.
  • Personal service – You’ll deal with the same adviser throughout, building trust and understanding.
  • Integrated planning – We’ll ensure your mortgage strategy aligns with your tax planning, investments and protection needs.
  • Local roots, national reach – Based in Ross-on-Wye, we help clients across the country.

Getting started

Ready to find the perfect mortgage? Book a free, no-obligation consultation where we’ll discuss your plans and explain how we can help. We’ll be upfront about costs, timescales, and what’s realistic for your situation. We look forward to helping you achieve your property dreams.

 Your home may be repossessed if you do not keep up repayments on your mortgage.