Mortgagesmade personal.
As independent whole-of-market mortgage and protection brokers with over 25 years of experience, we listen, provide transparent advice, and stay with you all the way.
kind of advice.
We're not here
just to find
a mortgage.
Buying, moving, remortgaging, investing in property; or protecting your mortgage, income, or family; involves many moving parts. As independent whole-of-market brokers with over 25 years of experience, we take the time to understand the person behind the paperwork—and leave no stone unturned to secure the right solution.
Advice matters! We have a team of fully qualified Mortgage and Protection advisers who genuinely care!
Not only do we provide advice for the right mortgage and/or protection solutions for you and your family; we are also dedicated to proactively working with you, the lenders, solicitors, and surveyors every step of the way. Our support and guidance is end to end, and to top that, we work closely with specialists in other areas of financial advice too, so our overall service provides a holistic approach to ensure that you are covered on all bases.
Our fees are simple and transparent. As simple as £500 per property for mortgage advice and no fees charged for protection advice. We receive commission from the providers once the business is completed. All of which is fully disclosed upfront.
What are you
looking to do?
Step onto the ladder with confidence! With the support of a professional adviser, guiding you all the way.
Moving mortgage lender or staying with your existing one? Lots to consider! Our advisers explain all your options in a clear and concise way.
Our advisers can help you navigate whether to stay with your lender or switch to a new one.
Need a mortgage for a property to rent out? Already own a portfolio of properties? Either way, our specialist Advisers can search the whole-of-market for the most suitable solutions.
A lump sum to pay off your mortgage or provide for your family, in the event of your death.
A lump sum to pay off your mortgage, provide for your family or personal financial support, if diagnosed with a critical illness.
Replacement income when you are off work due to illness or injury.
Protect your business from the financial loss of shareholders and key people, due to critical illness or death.
Provide your employees with death in service, private health insurance, or income protection.
Not sure which one fits? That's a good reason to start with a conversation.
Whatever your
next move looks
like.
From your first home purchase to complex buy-to-let portfolios, we search whole-of-market lenders to deliver clear, tailored advice for your exact circumstances.
Residential mortgages
Matching loan terms, deposits and lender criteria to your exact life chapter — with our advisers guiding you all the way.
First-time buyers
Step onto the ladder with confidence! With the support of a professional adviser, guiding you all the way.
Moving home
Moving mortgage lender or staying with your existing one? Lots to consider! Our advisers explain all your options in a clear and concise way.
Remortgaging
Our advisers can help you navigate whether to stay with your lender or switch to a new one.
Buy to Let & Holiday Let
Need a mortgage for a property to rent out? Already own a portfolio of properties? Our specialist Advisers search the whole-of-market for the most suitable solutions.
Portfolio landlords
Managing multiple mortgages, rate expiries and equity across a portfolio demands continuous adviser support and proactive reviews — we stay with you all the way.
Specific advice and services depend on your circumstances and EMAS's current proposition.
What working
with us feels
like.
Good advice is about more than the answer. It's about the care taken to get there.
Whole of Market
We are independent brokers not tied to a panel of lenders, searching the entire market for your mortgage & finance.
Transparent Fees
Enjoy clear and competitive pricing with no hidden costs or unexpected surprises.
Personalised Service
Your own dedicated Broker from start to finish who proactively coordinates with lenders, solicitors and estate agents.
25+ Years Experience
Over 25 years in the financial sector with a deep understanding of FCA regulations to keep you safe and informed.
Professional Approach
We deliver expert advice with integrity, efficiency, and a commitment to achieving the best possible financial outcome.
Ready to talk it through?
Book a free, no-obligation consultation with a whole-of-market adviser. Pick a time that works for you.
BEYOND
THE KEYS
Getting the mortgage
is only part of the picture.
We help protect the people, income, and business behind your property. From life insurance and critical illness to income protection and key person corporate cover, we guide you to peace of mind.
Advice from people,
not algorithms.
Before you get in touch, meet the advisers you will speak to. Experienced, approachable brokers delivering whole-of-market guidance with integrity and transparency.
Mortgages without
the jargon.
Good questions deserve clear answers. Here's a taste of the kind of straight-talking advice content that belongs here.
Can I get a mortgage with bad credit?
Credit history can feel like a big question mark. Let's make space for a conversation about your circumstances.
Self-employed? Start with the real picture.
Your income story isn't always a payslip. Understanding the detail is a good place to begin.
What does income protection actually do?
A plain-English introduction to a topic worth understanding before you need it.
What questions do you have?
What would you like to know?
Book your consultation
A free, no-obligation conversation with an independent whole-of-market mortgage and protection adviser.
Start with
a conversation.
Tell us what's on your mind — no jargon required.
Let's talk
it through.
You don't need to understand mortgages before you get in touch. Just tell us what's on your mind and we'll take it from there.
We'll reply personally within one business day.