Big mortgage decisions, made simple.
Friendly, jargon-free mortgage advice from an independent UK broker — for first-time buyers, movers, remortgagers and beyond. We compare the whole market, handle the paperwork, and make the whole thing feel less stressful.
Indicative borrowing — 4.32% fixed, 5 years
Mortgages, sorted — whatever stage you’re at
Whole-of-market advice means we’re not tied to any one lender. We find the deal that actually fits your life.
First-time buyers
Got a deposit and a dream? We’ll demystify the process, sort your decision in principle, and help you bid with confidence.
First-time buyer guide →Moving home
Porting, redeeming, upsizing, downsizing — we’ll find your next mortgage and time it perfectly with the move.
How moving works →Remortgage
Coming off a fixed rate? We’ll review the whole market 6 months before, lock in the best deal, and stop you slipping onto the SVR.
Free remortgage check →Life insurance
Protect what matters. We’ll find cover that pays out when it counts — for your family, your mortgage, and your peace of mind.
Get protection advice →Equity release
Unlock the value tied up in your home — without moving. Fully regulated advice and no obligation, ever.
Is it right for you? →Buy-to-let
Whether you’re new to landlording or growing your portfolio, we’ll find a BTL mortgage that stacks up.
BTL options →Independent advice, on your side.
We’re not a call centre or a comparison site. You get one expert — wherever you are in the UK — who’ll guide you from “where do I start?” all the way through to picking up the keys.
Talk to a real human →Whole of market
Access to 100+ lenders — including ones you can’t go to direct.
One expert, end to end
You get one named adviser from first call to completion — no call-centre handovers.
UK-wide, on your terms
Phone, video or email — whatever fits around your schedule.
FCA-regulated, by the book
Giles Financial Ltd is an appointed representative of Beneficial Ltd, which is authorised and regulated by the Financial Conduct Authority.
No fees for NHS & Blue Light Card
A small thank-you to those who keep us going. More on this →
Three simple steps to keys in hand
Free 20-minute chat
Tell us where you’re at — buying, moving, remortgaging. We’ll listen, ask the right questions, and explain the options.
We find your deal
We compare 100+ lenders, recommend the best fit, and handle every form, every email, every chase-up.
Keys in hand
From offer through to completion, we stay in your corner. And we’ll come back 6 months before your fix ends, every time.
Real situations we’ve helped with recently
Anonymised summaries, not testimonials — no names or identifying details changed. See our Google reviews →
A recent first-time-buyer couple working in central London but priced out of the city looked at properties across the south-east. With a 10% deposit and one variable bonus income, two high-street banks declined to offer. We placed the case with a lender comfortable with the bonus income and they completed within nine weeks of full application.
A recent client coming off a 5-year fix received a product transfer offer from their existing lender at 5.4%. We compared the whole market and found a 4.6% fixed rate elsewhere with free legal and free valuation included. The switch saved approximately £180 per month.
A recent client moving from a 3-bed to a 4-bed faced a complicated chain with a 6-week gap between sale and purchase. With a high existing rate and a substantial ERC, porting looked obvious — but modelling showed redeeming and remortgaging at current rates was £4,200 better over the fixed period.
Everything you wanted to ask but didn’t.
How much does it cost to use a mortgage broker?
Our standard broker fee is paid only when your mortgage completes. For NHS staff and Blue Light Card holders, it’s free — every time. We’ll always tell you the fee upfront in writing before any work starts.
How do we work together — in person or remote?
However suits you. Most of our clients work with us entirely by phone, video call and email — wherever you are in the UK. If you’re local to Suffolk and prefer to meet in person, we can arrange that too.
Can you help if I’m self-employed or have a tricky case?
Absolutely. Self-employed, contractor, complex income, adverse credit — there are specialist lenders for almost every situation, and a big part of our job is knowing who to take which case to.
How early should I start before my fixed rate ends?
Six months out is the sweet spot. Most lenders let us reserve a rate that far ahead, so we can lock something in early and switch if rates drop.
Are you regulated?
Giles Financial Ltd is an appointed representative of Beneficial Ltd, which is authorised and regulated by the Financial Conduct Authority, FCA number 736655. Giles Financial Ltd’s own FRN is 1052715. You can check both on the register at fca.org.uk.
Ready to talk mortgages?
A 20-minute chat costs nothing and could save you thousands. We’ll listen first, then explain your options in plain English.