Business Details
17 Years
experience
Your Trusted Mortgage Broker in Dereham
Salus Mortgage Solutions was founded in 2009 as Salus Financial Solutions, initially offering a broad range of financial services before specialising in mortgages and insurance in 2016. We moved into the heart of Dereham Market Place in 2023 to better serve local clients. Our team combines extensive experience with a friendly, personal approach, ensuring we are large enough to handle complex cases while remaining small enough to prioritise individual client care. We provide ongoing support and regular reviews, offering tailored mortgage and insurance solutions that adapt to life's changes. Our flexible service includes appointments during evenings and weekends, with much of the process handled remotely to save clients time.As an independent business, we pride ourselves on understanding local market needs and building long-term relationships with our clients. We are authorised and regulated by the Financial Conduct Authority, ensuring compliance with the highest industry standards. Our commitment to transparency is reflected in our low fixed lifetime fee of 299 with no hidden extras. We actively support NHS workers with free mortgage advice and have received 124 Google reviews, with clients consistently praising our professionalism, expertise, and client-centric approach.
Services
First-Time Buyers
Home Movers
Remortgages
Buy To Let
Self Employed
Poor Credit
New Build
Shared Ownership
Life Insurance
Critical Illness Cover
Details
- Year established: 2009
Highlights and features
- We have over 15 years of combined experience in mortgage advisory services.
- Our team offers flexible appointments including evenings and weekends.
- We provide ongoing support and regular mortgage reviews.
- Our fixed lifetime fee of 299 includes no hidden extras.
- We are authorised and regulated by the Financial Conduct Authority.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic and helpful
Speedy replies
Knowledgeable and approachable
Smooth and stress-free
Long-term relationships
Services
First-Time Buyers
We specialise in guiding first-time buyers through the mortgage process with clear advice and tailored solutions. Our team helps clients understand their options, secure competitive rates, and navigate the complexities of purchasing their first property. With dedicated support from application to completion, we ensure a smooth and stress-free experience for new homeowners.
Buy To Let
Our Buy To Let service provides expert advice for clients looking to start or grow their rental property portfolio. We connect investors with lenders who understand the unique requirements of buy-to-let financing. Our team offers comprehensive guidance on property investment strategies, rental yield calculations, and mortgage products designed for landlords.
Remortgages
We help clients transition to more competitive mortgage deals to reduce monthly repayments or access equity. Our remortgaging service includes market-wide comparisons, fee analysis, and tailored recommendations. We manage the entire process to ensure minimal disruption while maximising financial benefits for homeowners.
Self Employed
We provide mortgage solutions for self-employed individuals who may face challenges with traditional lenders. Our service connects clients with lenders that understand non-standard income structures. We offer expert guidance on documentation requirements and help secure competitive rates for freelancers, contractors, and business owners.
Poor Credit
We specialise in finding mortgage options for clients with imperfect credit histories. Our team works with lenders that consider individual circumstances beyond credit scores. We provide tailored advice on improving mortgage eligibility and help secure financing solutions for those with past financial difficulties.
People
Brad Bedingfield
Founder
With over 14 years of experience, Brad founded Salus Mortgage Solutions in 2009. He specialises in long-term client relationships and has helped clients secure their first homes and forever homes. Brad combines mortgage expertise with a personal approach to client care.
Kieran Smith
Mortgage Adviser
Kieran has over 10 years of experience in mortgage advisory services. He specialises in first-time buyer mortgages and home moving solutions. Known for his clear communication and dedication, Kieran has been with Salus since 2016 and consistently receives client praise for his professional approach.
Georgina Thew
Mortgage Adviser
Georgina brings 9 years of finance and estate agency experience to her role. She focuses on first-time buyers and shared ownership schemes. Clients appreciate her thoroughness and ability to explain complex mortgage concepts in simple terms, making the process accessible for all clients.
Ben Collier
Mortgage Adviser
Ben specialises in helping clients with complex or poor credit situations. With extensive experience in remortgaging and home moving, he is known for finding solutions where others cannot. Clients value his efficiency and personable approach to mortgage advisory services.
Questions
What mortgage services do you offer?
We offer first-time buyer mortgages, buy-to-let solutions, remortgaging, self-employed mortgages, poor credit mortgages, new build financing, shared ownership guidance, and home mover solutions.
Do you charge any hidden fees?
No, we operate with full transparency. Our fixed lifetime fee of £299 includes no hidden extras, clearly outlined before any work begins.
How do you support NHS workers?
We provide free mortgage advice to NHS workers as part of our commitment to supporting healthcare professionals in securing their ideal homes.
Can you help with complex mortgage cases?
Yes, our team specialises in handling complex cases including self-employed mortgages, adverse credit situations, and unique property types.
What makes Salus different from other brokers?
We combine local market expertise with flexible appointments, including evenings and weekends, and provide ongoing support beyond mortgage completion.
How do I book a consultation?
You can book a free, no-obligation consultation through our website or by calling 01362 851713 during our operating hours.
Reviews (6)
Martin Wilford
Jan 05, 2022
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Little late review but brad and his team were excellent, patient and helpful with every thing that needed to be done and helped with any questions when asked, would recommend always.
Zak Msk
Jan 04, 2022
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Kieran is a top guy, I spoke to several mortgage brokers and Kieran stands out amongst the crowd. He is on hand to help at all hours and usually replies within a matter of minutes. Kieran has provided countless amounts of advice and guidance. He was able to find a solution which no other broker has suggested that enabled me to borrow what I needed. Highly recommend using Kieran and team to get a mortgage!
Mrs. Foreman
Jan 04, 2022
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I really want to say thanks very much to Georgina. She was very responsive right from the beginning of the process and always very positive. Every time we had a question she would always respond quickly and never left us wondering. She never made us feel like we were asking too many questions, nothing was ever too much trouble for her. From start to finish she was always there for us. You will be very lucky to have Georgina guide you through the mortgage process. I wish you all the best for your future Georgina you will flourish, Im sure. Hope to deal with you again one day.
Chris White
Dec 20, 2021
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Positive:Professionalism
I've had the pleasure of dealing with Kieran Smith for the purchase of my first home and I couldn't of asked for a more thorough and professional company, fast and efficient service, any question I had which was many! He dealt with superbly. I would not hesitate to recommend them and will be using them again in the future.
I've had the pleasure of dealing with Kieran Smith for the purchase of my first home and I couldn't of asked for a more thorough and professional company, fast and efficient service, any question I had which was many! He dealt with superbly. I would not hesitate to recommend them and will be using them again in the future.
Eleanor Edge
Dec 17, 2021
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I cant recommend Salus Mortgage Solutions enough! Brad and his team made the process of buying our first home extremely smooth and straight forward. When we first met Brad we had no idea if owning our own home would even be possible, but on Monday we receive the keys to our dream first home. An extremely professional service and we cant thank them enough for their guidance and professionalism.
Tom Dl
Dec 12, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
A very efficient, professional and personable service from Brad and Georgina and a very nice touch from the company offering a no fee for NHS staff. My mortgage completed today and there were no issues with the process of the lend and I was helped to find the most suitable mortgage to meet my needs. Highly recommend.
A very efficient, professional and personable service from Brad and Georgina and a very nice touch from the company offering a no fee for NHS staff. My mortgage completed today and there were no issues with the process of the lend and I was helped to find the most suitable mortgage to meet my needs. Highly recommend.
