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 90+ 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
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 90+ 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.
What people say after working with us
“As first-time buyers we had no idea what we were doing. Tim talked us through everything in plain English, found a deal way better than the banks, and made it feel easy.”
“All by phone and email — never had to take a day off work. Saved us about £180 a month on the remortgage and it was practically painless.”
“Patient, knowledgeable and properly on our side. Couldn’t recommend Giles Financial more highly — already sent two friends his way.”
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?
Yes — Giles Financial Services is authorised and regulated by the Financial Conduct Authority. You can check 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.