Business Details
37 Years
experience
Award-Winning Mortgage Brokers in South Yorkshire
We are award-winning mortgage advisers operating across South Yorkshire, Cheshire, and Manchester. With a combined 35 years of experience in the mortgage industry, our team brings expertise from both banking and estate agency sectors to deliver tailored financial solutions. Our approach prioritizes transparency, simplicity, and long-term client relationships, supported by our proven track record through financial downturns. As part of The Openwork Partnershipa network of 4,500 advisorswe combine local knowledge with national regulatory compliance under the Financial Conduct Authority. We specialize in mortgage, protection, and insurance advice, focusing on making complex financial processes accessible and understandable.Our team maintains direct client communication throughout every transaction, ensuring clarity and alignment with individual circumstances. Our advisory services cover first-time buyers, remortgaging, equity release, and buy-to-let investments. We differentiate ourselves through personalized service, competitive product sourcing, and a commitment to post-approval client support. Our advisors hold recognized industry qualifications including CeMAP, DipMAP, and CeRER. We serve clients both in-person at our four regional offices and through remote consultations, maintaining consistent service quality across all contact channels.
Services
Mortgage Advice
Remortgage Solutions
Equity Release
Protection Insurance
Buy-to-Let Mortgages
First-Time Buyer Assistance
Details
- Year established: 1989
Highlights and features
- We combine 35 years' mortgage industry experience with banking and estate agency expertise
- Our team holds advanced qualifications including CeMAP, DipMAP, and CeRER accreditations
- We provide transparent, jargon-free mortgage advice tailored to personal circumstances
- We maintain direct client communication throughout the entire mortgage process
- We operate as FCA-authorized advisors within the UK's largest financial advice network
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional service
Transparent advice
Efficient processing
Expert knowledge
Personalised approach
Services
Mortgage Advice
Our expert advisors provide personalized mortgage guidance covering first-time purchases, remortgaging, and property investment. We assess your financial situation to recommend optimal loan structures and interest rates while maintaining FCA-compliant practices. Our service includes ongoing support throughout the mortgage term.
Protection Insurance
We offer tailored insurance solutions to protect mortgages, families, and businesses. Our advisors create customized policies covering critical illness, income protection, and life insurance to safeguard against financial risks while ensuring appropriate coverage levels.
Remortgage Solutions
Our team specializes in optimizing existing mortgage arrangements through strategic remortgaging. We analyze current deals against market offerings to identify savings opportunities while considering exit fees and new loan terms to maximize financial benefits.
Buy-to-Let Mortgages
We provide specialized financing solutions for property investors seeking buy-to-let opportunities. Our service includes rental income assessment, portfolio management strategies, and landlord-specific insurance to support profitable investment growth in accordance with regulatory requirements.
Equity Release
Our qualified advisors offer equity release schemes for older homeowners seeking to release property capital. We explain lifetime mortgage and home reversion plans while ensuring clients understand tax implications and long-term financial impacts.
People
Joe Childes
Senior Mortgage Adviser
20+ year industry veteran with CeMAP/CeRER qualifications and British Mortgage Awards winner. Specialises in complex credit cases and maintains long-term client relationships from our Rotherham office.
Stephanie Seddon
Senior Mortgage Adviser
Former mortgage team manager with DipMAP/CeRER qualifications. Recognised finalist in 2019 British Mortgage Awards for Complex Credit expertise. Specialises in equity release solutions from our Cheshire office.
James Rogerson
Protection Adviser
17-year protection specialist with expertise in mortgage-related insurance. Based in Leeds, he creates bespoke policies for first-time buyers to commercial property investors, prioritizing family financial security.
Ric Effio
Senior Mortgage Adviser
10+ year mortgage expert transitioning from branch banking to brokerage. Provides solutions across Greater Manchester with emphasis on client-focused service and long-term relationship building.
Emma Cartwright
Mortgage & Protection Adviser
20+ years financial services experience with 13 years specialising in mortgages. Community-focused professional serving as charity treasurer, providing compassionate financial advice tailored to life events.
Questions
What mortgage types do you offer?
We offer residential mortgages, buy-to-let loans, equity release schemes, remortgage solutions, and commercial mortgages for property investors across Yorkshire and North West England.
Are your services FCA regulated?
Yes, we operate as appointed representatives of The Openwork Partnership which is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 481615.
Do you charge mortgage arrangement fees?
Our fees depend on the complexity of each case. We provide clear transparent pricing during initial consultations, with many lenders offering fee-free arrangements through our broker channel.
Can you help with adverse credit mortgages?
Yes, our advisors specialise in complex credit scenarios. We work with specialist lenders and have successfully secured approvals for clients with past credit issues or unconventional income sources.
What protection insurance options exist?
We offer life insurance, critical illness cover, income protection, and mortgage payment protection. Our specialists tailor policies to individual needs while ensuring appropriate coverage levels for dependents.
How long does mortgage approval take?
Typical approval takes 2-6 weeks depending on lender requirements and documentation completeness. Our team expedites processes through direct lender relationships while maintaining thorough compliance checks.
Reviews (7)
Derek Murphy
Dec 26, 2021
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Anybody who needs mortgage advice or a brilliant mortgage broker please consider Joe Childes at Right Choice Mortgages as he is just fantastic.
Joes honest, straight forward, very professional and above all else he listens to what your needs are as a client are.
Myself, Samantha and our family are in our forever home because of Joes amazing work .
Hes a top bloke, a family man and supports many local charities and great causes. Thank you so much Joe for everything.
Derek & Sam.
Joes honest, straight forward, very professional and above all else he listens to what your needs are as a client are.
Myself, Samantha and our family are in our forever home because of Joes amazing work .
Hes a top bloke, a family man and supports many local charities and great causes. Thank you so much Joe for everything.
Derek & Sam.
Iwona Warejko
Dec 26, 2021
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Second time I have used their service and not the last one. Very professional and honest. Kept up to date throughout the whole remortgage process. I would highly recommend to everyone. Richard and team are the best!
Frances Gill
Dec 23, 2021
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Couldnt recommend more! Richard was a huge help through the mortgage application process and gave us lots of helpful advice (from credit scores to lenders and everything in between). After Richard we dealt with Holly who saw us through to completion. Every update was well communicated and no query too much. Thanks for all the help youve given us, we really appreciate it.
Donna Andrews
Dec 22, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Just bought our council house and from start to finish joe and the team was always on hand to help.As a first time buyer they have sorted everything and took all the stress away .I would highly recommend right choice mortgages to anyone thanks ..Donna&Dave
Just bought our council house and from start to finish joe and the team was always on hand to help.As a first time buyer they have sorted everything and took all the stress away .I would highly recommend right choice mortgages to anyone thanks ..Donna&Dave
Liam Sunderland
Dec 21, 2021
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Absolutely amazed by the level of service that this company offers. Everyone who I've dealt with and spoken to has been simply brilliant. Richard who is still dealing with our application has been amazing even with the million questions we've thrown at him and sending wrong or incomplete documents. I would recommend right Choice to any one who is looking to buy a new house.
Jenna Bringlow
Dec 05, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
From my first appointment with Joe and the rest of the team at Right Choice Mortgages, everything has been dealt with swiftly and efficiently. I asked for a stress free remortgage and thats exactly what I got. Super friendly and professional service. Thank you so very much!
From my first appointment with Joe and the rest of the team at Right Choice Mortgages, everything has been dealt with swiftly and efficiently. I asked for a stress free remortgage and thats exactly what I got. Super friendly and professional service. Thank you so very much!
Amy Shutt
Dec 04, 2021
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Joe and team have been amazing right from the start, until us getting the keys and beyond. As first time buyers, my partner being self-employed and a global pandemic , Joe and Holly have guided us along the way relieving us of the stress with their great knowledge and expertise. No amount of "first time-buyer" questions seem be too much for Joe, he is very responsive and is such an approachable person who creates ease. We can't thank you enough for all of your support and look forward to the remortgage with you.
Amy & Luke
Amy & Luke
