Citrus Mortgages

Business Details

19 Years

experience

Your Trusted Mortgage Advisers in Milton Keynes

Established in 2007, Citrus Mortgages has built a reputation as a trusted mortgage advisory service in Milton Keynes and surrounding areas. Our team of expert advisers works with a comprehensive panel of lenders to secure tailored mortgage solutions for first-time buyers, remortgagers, and buy-to-let investors. We pride ourselves on offering free initial advice and a transparent process, supported by our Feefo Platinum Trusted Service Award for exceptional customer care.

Our dedicated support system ensures clients receive personalized guidance from application to completion. With over 15 years of industry experience, we combine deep market knowledge with a commitment to simplifying the mortgage journey for all clients.

Services

Mortgage Advice First Time Buyers Remortgages Buy to Let Adverse Credit Self Employed Virtual Appointments Life Insurance Agreement in Principle Mortgage Calculators

Details

Year established: 2007

Highlights and features

We offer access to a comprehensive panel of lenders for competitive mortgage deals
Our team provides dedicated mortgage support from application to completion
Free initial mortgage advice with no obligation
Award-winning customer service (Feefo Platinum Trusted Service Award)
15+ years of mortgage advisory experience since 2007

Associations and certifications

Feefo Platinum Trusted Service Award
Financial Conduct Authority (FCA)

What people say

Excellent service Knowledgeable advisers Stress-free process Quick responses Competitive deals

Website

Update Listing

Services

Mortgage Advice

Our expert mortgage advisers provide personalized guidance through the entire mortgage process. We assess individual circumstances to recommend suitable products from our comprehensive lender panel. Clients benefit from transparent fee structures, including a free initial consultation, while our dedicated support team ensures smooth transactions from application to completion.

First Time Buyers

Specialized support for first-time homebuyers navigating their initial property purchase. We explain mortgage options clearly, assist with affordability assessments, and provide step-by-step guidance. Our advisers help secure competitive rates while ensuring clients understand all aspects of homeownership responsibilities and financial commitments.

Remortgages

Expert remortgaging services to help clients secure better rates or release equity. We analyze existing mortgage terms, compare market options, and negotiate competitive deals. Our team handles all administrative requirements while ensuring clients understand potential savings and any associated fees or penalties.

Buy to Let

Specialist advice for property investors seeking buy-to-let mortgages. We provide market analysis, rental affordability assessments, and access to exclusive landlord products. Our services include portfolio management strategies and guidance on tax implications while maintaining compliance with regulatory requirements for property investments.

Adverse Credit

Tailored mortgage solutions for clients with credit history issues. We assess individual circumstances to identify lenders accommodating various credit profiles. Our advisers provide practical steps to improve mortgage eligibility while offering transparent information about available options and realistic expectations for approval.

People

Paul Barnes

Mortgage Adviser

With over 15 years' experience, Paul Barnes specializes in first-time buyer mortgages and complex cases. He maintains deep lender relationships to secure competitive deals while prioritizing client education throughout the mortgage process.

Gavin Potter

Director

Gavin Potter leads Citrus Mortgages' advisory team with expertise in remortgaging and buy-to-let investments. His strategic approach combines market analysis with personalized service to deliver optimal mortgage solutions for residential and investment clients.

Emma Hodge

Mortgage Adviser

Emma Hodge focuses on first-time buyers and adverse credit cases, known for her patient explanations and thorough market comparisons. She maintains regular client communication to ensure transparency during all transaction stages.

Andrew Phillips

Mortgage Adviser

Andrew Phillips specializes in self-employed mortgages and complex income structures. His problem-solving approach helps clients with non-standard financial situations secure appropriate mortgage products through specialist lenders.

Nick Blatcher

Director

Nick Blatcher oversees Citrus Mortgages' operations with focus on customer service excellence. He manages adviser training programs and maintains quality control for all client interactions across the mortgage advisory process.

Questions

Do you charge fees for mortgage advice?

We offer free initial consultations and Agreement in Principle. A £299 application fee applies upon formal mortgage submission, with no hidden charges beyond this standard fee.

How do you find competitive mortgage rates?

We access a comprehensive panel of lenders including exclusive deals unavailable on the High Street, comparing thousands of products to find optimal rates matching your specific circumstances.

Can you help with bad credit mortgages?

Yes, we specialize in adverse credit cases and work with lenders accommodating various credit profiles while providing practical advice to improve mortgage eligibility.

What areas do you serve?

While based in Milton Keynes, we provide mortgage advisory services nationwide through face-to-face meetings, phone consultations, and virtual appointments.

How long does the mortgage process take?

Typical processing takes 4-12 weeks depending on complexity. Our advisers maintain regular communication with all parties to expedite transactions while ensuring thorough due diligence.

Do you offer online mortgage tools?

Yes, we provide interactive calculators for affordability, payments, and amortisation, plus virtual appointment options for convenient mortgage discussions from any location.

Reviews (5)

Write a Review

Sushil Mathius

Jan 02, 2022 Report

Positive:Professionalism,Quality,Responsiveness,Value
Nick and Vivien has been fantastic in finding right buy to let mortgage for us. We are repeat clients of Citrus Mortgages they provide right advice all the time

Zheng Tong

Dec 16, 2021 Report

Positive:Professionalism,Responsiveness,Value
Paul and Laura are massive help to our lengthy purchase journey. We have submitted various applications for both residential and buy to let mortgages. All of the applications are accepted with no delay. They are extremely responsive and professional. Highly recommended and we will use their service again.

Gimil Joseph

Dec 12, 2021 Report

Thank you very much Andrew, Sarah-Jane and the Citrus team for making our first time buying experience so easy and pleasant. We were super impressed by their knowledge and responsiveness. They gave us a very good range of mortgage products to choose from and helped us to compare them and select the most suited one for us in terms of rates and terms. We will definitely use their services in the future and highly recommend them to anyone who is looking for any kind of mortgage advice. Thanks Andrew and Sarah-Jane, you guys are amazing!!
Thanks,
Ashna and Gimil

Mikayla Bargery

Nov 20, 2021 Report

I would recommend James and the team at Citrus Mortgages to anyone. They are so knowledgeable and offer fantastic advice. I was a first time buyer and they made my journey a breeze, and more recently they have supported me through remortgaging with no stress at all. Thank you!

Venkata Nooney

Oct 26, 2021 Report

Having worked with Adam, Citrus Mortgage - Quality Service, Very professional and highly recommended.