Excel Mortgages UK

Business Details

18 Years

experience

Your Trusted Mortgage Broker in Ramsgate

Excel Mortgages UK operates with a commitment to delivering exceptional service through trust and integrity. Established to prioritise client needs, the company tailors its approach to individual requirements, whether clients are first-time buyers, relocating homeowners, or property investors. With a focus on minimising financial stress, the team provides comprehensive guidance across the mortgage journey, supported by decades of combined experience.

The company fosters a client-centric culture, ensuring staff empowerment translates into personalised support. Services extend beyond mortgages to include budget planning, insurance solutions, and post-purchase assistance, reflecting a holistic approach to client well-being.

Services

Mortgages Budget Planner Cost of Moving Home Insurance Claims Insurance Estate Agent Guidance Solicitor Recommendations Life Insurance Critical Illness Cover Income Protection

Details

Year established: 2008

Highlights and features

We prioritise trust and integrity in every client relationship.
Our team combines decades of mortgage industry experience.
Tailored services adapt to your knowledge and transaction complexity.
We provide holistic support beyond mortgages, including insurance and budgeting tools.
Client satisfaction is guaranteed through transparent, pressure-free advice.

Associations and certifications

Financial Conduct Authority

What people say

Exceptional service Helped achieve goals Stress-free process Knowledgeable advisors Tailored solutions

Website

Update Listing

Services

Mortgage Brokerage

Excel Mortgages UK specialises in connecting clients with tailored mortgage solutions across the entire market. Our advisors assess individual financial circumstances to identify competitive rates and suitable terms. With expertise in first-time buyer mortgages, buy-to-let investments, and remortgaging, we simplify the application process while ensuring compliance with regulatory standards.

Budget Planner

Our interactive budget planner tool helps prospective buyers assess affordability by calculating monthly mortgage payments alongside additional property costs. This service enables informed decision-making by highlighting potential financial commitments, including utility bills, council tax, and maintenance expenses, ensuring clients avoid overextending their budgets.

Home Insurance Claims

Excel Mortgages UK partners with award-winning insurers to provide comprehensive buildings and contents coverage. In the event of damage from fire, flooding, or subsidence, our team facilitates claims through vetted contractors who manage repairs from assessment to completion. This service ensures minimal disruption while maintaining compliance with mortgage lender requirements.

Life Insurance

We offer customised life insurance policies designed to protect mortgage obligations and family financial stability. Our advisors evaluate individual circumstances to recommend appropriate coverage levels, including critical illness and income protection plans. Policies are structured to provide lump sums or ongoing support in case of unexpected life events affecting financial commitments.

Estate Agent Guidance

Excel Mortgages UK provides strategic advice on selecting reputable estate agents for property transactions. Our team shares insights on negotiating fees, understanding market valuations, and leveraging digital platforms to maximise property exposure. This service extends to preparing decision-in-principle documents to strengthen buyer credibility during property negotiations.

People

Laurence Strich

Mortgage Advisor and Director

With over 25 years in financial services, Laurence founded Excel Mortgages UK in 2008 after roles at Barclays and Woolwich Building Society. He champions a people-first approach, prioritising client and staff well-being while maintaining industry expertise through continuous professional development.

Hayley Field

Office Manager and Mortgage Advisor

Hayley joined Excel Mortgages UK in 2020, bringing 18 years of administrative expertise. A former client turned advisor, she combines operational efficiency with firsthand client perspective, achieving mortgage advisory qualifications in 2023 to enhance client support capabilities.

Steve Taylor

Mortgage Advisor

Steve offers 30+ years of banking experience, including 14 years managing high-net-worth portfolios at Barclays. His relationship-driven approach focuses on long-term client support, specialising in complex mortgage solutions and financial planning for diverse client needs.

Questions

What mortgage types do you specialise in?

We specialise in first-time buyer mortgages, buy-to-let investments, remortgaging, and professional landlord solutions across the entire market.

How do you help clients with poor credit scores?

We assess individual circumstances to identify lenders accommodating varied credit histories, offering tailored advice to improve mortgage eligibility.

Can you assist with moving costs?

Yes, we provide budget planners and cost-of-moving calculators to help clients understand total property transaction expenses.

Do you offer insurance products?

We provide life insurance, critical illness cover, income protection, and buildings insurance tailored to mortgage requirements.

How are mortgage advisors compensated?

We receive standard lender commissions without hidden fees, ensuring transparent, unbiased product recommendations.

What post-purchase services do you offer?

We assist with home insurance claims, solicitor recommendations, and ongoing mortgage reviews to ensure continued suitability.

Reviews (6)

Write a Review

Effie Wilson

Oct 30, 2021 Report

Friendly and helpful, I feel both Laurence and Hayley went beyond my expectations to get me sorted in time.

Tracy Hewitt

Aug 27, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I am amazed and impressed with Excel mortgages. I needed two buy to let mortgages and expected quite a wait but on the very same day I requested these Laurence manage to secure the two mortgages at an excellent interest rate. I will always use Excel mortgages in the future

Marcus Hogben

Jul 24, 2021 Report

Positive:Professionalism
Laurence and his team were amazing in helping us out, nothing was a problem and they were always on hand for advice, updates etc. They showed professionalism at the highest level from start to finish. We were very happy with every aspect from Excel Mortgages and would not hesitate to use them in the future. Thank you

Marc Shilling

Jun 29, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
The service I received from Laurence and his colleagues was fantastic. As a first time buyer he really put me at ease.

Katie Ferris

Jun 27, 2021 Report

We can not thank Kelly enough for how she made the whole process as stress free as possible. Being first time buyers will has no clue what to expect and was quite daunting, but Kelly talked us through everything and made sure we understood before agreeing to anything. She was so quick to respond to any emails or messages we sent and was just at the end of the phone if we needed assistance.
Kelly made the whole experience not just professional but also personal and always checked in to see how it was progressing. Not only did she sort our mortgage but she sorted our life insurance and home insurance

Simon Bailey

May 18, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Laurence and his team always go the extra mile and seem to see it as their personal mission to ensure that you end up with the mortgage and product you need. I have and will never hesitate in recommending Excel Mortgages to everyone I know.