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Mortgage
Advisers

We make the process smooth, even when the details aren’t.

Clients choose us because we make things simple. We take initiative, listen carefully and learn quickly, without unnecessary back-and-forth. We’re known for handling complex cases with ease, thanks to over 50 years of experience and a deep understanding of the evolving mortgage and protection markets.

We believe that everyone deserves quality mortgage and protection advice. Therefore, we work with a wide range of lenders to ensure that we can advise on the most competitive rates and flexible mortgage options.

We also advise on tailored business and personal protection solutions; from life cover for directors and key employees, to income protection and shareholder insurance, we help safeguard what matters most.

Whether you’re buying your first home, investing in buy-to-let, navigating self-employment and complex incomes or exploring second home options, we guide you through the process from start to finish.

We make the process smooth, even when the details aren’t.

Clients choose us because we make things simple. We take initiative, listen carefully and learn quickly, without unnecessary back-and-forth. We’re known for handling complex cases with ease, thanks to over 50 years of experience and a deep understanding of the evolving mortgage and protection markets.

"

Steve and Laura supported us in getting our mortgage for our first home and he absolutely went above and beyond to support us, communicating every step of the way and keeping us fully informed throughout the process. He was able to support us through different hurdles and his knowledge and experience was reassuring and supportive

"
Louise's testimonial

Louise

Thickroom Mortgages

Meet The Advisors

Testimonials

"

Fantastic service!

Laura at Thickbroom/Mutatio Mortgages was incredibly supportive throughout the whole mortgage process. Questions were answered incredibly quickly, in detail, and I felt guided and supported throughout the whole process as a first time buyer - I would highly recommend!

Meera Patel's testimonial

Meera Patel

"

Home insurance

What a nice Guy Steve is. He was more than helpful. I fully recommend him. He sorted my home insurance out in a matter of hours. Also it was a very competitive price. I will be using him for future business. Thank you.

Michael Davis's testimonial

Michael Davis

"

Phenomenal service and help getting a mortgage

Laura was absolutely fantastic helping me navigate the complex and scary world of mortgages. She broke down the process, no question ever considered silly. Extremely thankful for her input as I sit here now in my new home. I will definitely be using her again and recommending them to friends and family. Thank you so much

James Spicer's testimonial

James Spicer

"

Having not had a mortgage for many…

Having not had a mortgage for many years and not knowing what to do first Steve and his team guided me all the way. No question was a silly question and wasn’t the easiest of clients to get a mortgage for due to age and other circumstances but wow they managed it They have also helped other family members get on to the property ladder and I cannot recommend them enough A massive thank you for all you have done and now have my dream cottage Thank you Lisa x

Lisa Webb's testimonial

Lisa Webb

"

Fantastic team and service

Steve and Laura were absolutely fantastic with helping us navigate the complex and scary world of mortgages. They helped break down the process and guide us, no question every considered silly. They were extremely responsive and gave a wide range of options to suit our current needs and lifestyle. Extremely thankful for their input as we sit here now in our new home. We will definitely be using them again and recommending them to friends and family. Thank you so much

Ecolover's testimonial

Ecolover

"

Laura is brilliant

Laura is brilliant. This was my first experience arranging buy-to-let mortgages, so I was definitely a beginner and came in with very little knowledge of the process. From initial conversation through to mortgage offers, she made the process really clear and answered all my questions. I definitely recommend her. Thanks Laura!

Nadine Sharkey's testimonial

Nadine Sharkey

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Excellent personalised service recieved

The team were excellent and the service received felt personalised to us. They listened to what we wanted and delivered what we asked for. Throughout the process we were kept update and I would be happy to use Mutatio again.

Beatrice's testimonial

Beatrice

"

As a first time buyer, the mortgage process was daunting. I put my full trust in Laura, who made the process simple and painless. I never doubted that they would find the perfect solution for me.

John's testimonial

John

"

Thickbroom Mortgages deserve every bit of the full 5 stars. Buying a house is supposed to be one of the most stressful things you'll do, but not in this case. Laura was extremely helpful in sorting me out with a mortgage. Right from the beginning I was thoroughly supported. She was always a step ahead (if not several) and answered every query I had very promptly indeed. It's quite rare to come away knowing you made the absolute right decision in using a company, but I have done, and will be recommending Laura and Thickbroom Mortgages to anyone who is seeking mortgage advice. If your experience is even half as good as mine has been, you'll be very pleased. Thank you again Laura!

Matthew's testimonial

Matthew

Case
Studies

Whether you’re buying your first home, investing in buy-to-let, navigating self-employment and complex incomes or exploring second home options, we guide you through the process from start to finish.

Take a look at how we’ve helped our clients.

Frequently Asked Questions

Can’t find what you’re looking for?

Get in touch with any questions.

Mortgage FAQs

Protection FAQs

A mortgage adviser or broker finds and arranges the most suitable mortgage for your needs, comparing deals across lenders and managing the application process for you. They communicate with lenders, solicitors and accountants, providing advice on your options, putting time and control back in your hands.

If you’re short on time, have a complex income or want access to a wider range of deals, an adviser can save you time and stress.

Yes! We specialise in helping self-employed clients and those with non-standard income. We know how to present your case clearly to lenders for the highest chance of approval. Take a look at Antony and Nadine’s stories to learn more about how we support self-employed applicants.

We work with lenders who consider applicants with poor credit histories. We’ll assess your situation and guide you through your options.

We offer an initial free consultation to determine if we can assist you. Upon instruction, our standard fee payable is £250 followed by a further £245 once the mortgage offer has been issued. However, depending on your circumstances and the work required, this may change – we will clearly state the fee before commencing work.

It varies, but we aim to move quickly. Once we understand your needs, we handle the paperwork and keep things moving to help you achieve your goals.

Absolutely! Whether you’re a first-time landlord or expanding your portfolio, we can help you find the right deal and give you tailored advice. Take a look at Nadine’s story to learn more.

Yes! We can help you finance second homes, UK holiday lets or properties abroad, depending on your goals. Click here to read about Nadine’s experience with us.

Typically, ID, proof of income, a credit report, bank statements and details of any debts or financial commitments. We’ll give you a full checklist.

Yes! Whether your current deal is ending or you want to release equity, we’ll help you find a better fit. We helped Antony refinance his home – click here to read his story.

Protection FAQs

It includes life insurance, family income benefits, critical illness cover and income protection, all designed to support you and your family if something unexpected happens.

Business protection covers key people, shareholders and loan repayments. It helps keep your business running if someone vital becomes seriously ill or passes away.

If you have a mortgage, dependents or a business, protection gives you financial security and peace of mind if life doesn’t go to plan.

Yes! We work with insurers who consider a wide range of health backgrounds. We’ll help you find the most suitable option.

That depends on your income, debts and family or business responsibilities. We’ll help you calculate the right level of protection.

It can be more affordable than you think! We’ll tailor the cover to your budget and priorities.

Life insurance pays out if you pass away; income protection pays a monthly benefit if you can’t work due to illness or injury.

Yes! We often arrange both together to make sure your home and income are fully protected.

Some policies can be arranged in a day. Others may take longer if medical checks are needed. We’ll keep on top of the admin and communications for you.

We offer ongoing support to make sure your protection still fits your needs as life changes.