Business Details
31 Years
experience
Trusted Mortgage Co and Protection Advisers in Leeds
Established in 1995, Mortgage Co is a Leeds-based mortgage and protection brokerage with a team of four advisers and two administrative staff. Our team combines over 85 years of financial services experience, specialising in tailored mortgage solutions for first-time buyers, home movers, buy-to-let investors, and self-employed clients. We work with high street and specialist lenders to secure competitive rates, while our protection services cover life insurance, critical illness cover, and income protection.Our client-centric approach prioritises transparency, with upfront pricing and a free initial consultation. Regulated by the Financial Conduct Authority, we maintain partnerships with local estate agents and solicitors to streamline the property journey. Our small team offers personalised support throughout the mortgage process, from application to completion, with a commitment to ongoing client relationships.
Services
First Time Buyer Mortgages
Remortgage Services
Buy to Let Mortgages
Self-Employed Mortgages
Critical Illness Cover
Life Insurance Policies
Income Protection
New Build Mortgages
Equity Release
Protection Insurance
Details
- Year established: 1995
Highlights and features
- We offer bespoke mortgage solutions tailored to individual financial circumstances
- Our advisors have access to exclusive rates from top-rated lenders
- Transparent pricing with no hidden fees for all services
- Secure online portal for real-time application progress updates
- 85+ combined years of experience in mortgage and protection advisory
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyer Mortgage Co Cos
Specialist mortgages for first-time buyers with low deposit options including 5% deposit schemes and Help to Buy arrangements. We provide tailored advice on government schemes, guarantor mortgages, and joint applications with parents or partners. Our service includes competitive rate comparisons and application support.
Remortgage Services
Expert remortgage advice to help homeowners secure better rates when existing deals expire. We assess current market options, handle lender negotiations, and provide cost-benefit analyses of exit fees versus potential savings. Our service includes both residential and buy-to-let remortgaging.
Buy to Let Mortgage Co Cos
Tailored buy-to-let mortgages for property investors, including limited company landlords and portfolio investors. We offer advice on tax-efficient structures, portfolio management, and specialist products for new developments or renovation projects. Our service includes landlord insurance options.
Self-Employed Mortgage Co Cos
Mortgage Co solutions for self-employed individuals including contractors, sole traders, and limited company directors. We specialise in cases with complex income structures, one-year accounts, or non-standard tax arrangements. Our advice covers income verification and lender-specific requirements.
Protection Insurance
Comprehensive protection policies including life insurance, critical illness cover, and income protection. We provide tailored solutions to safeguard mortgage payments and family finances against unexpected events. Our service includes policy comparisons and claims support.
People
Steven
Mortgage Adviser
Experienced mortgage adviser with specialist knowledge in first-time buyer schemes and self-employed mortgages. Combines financial expertise with practical understanding of property ownership challenges through personal alpaca farming experience.
Questions
What mortgage options exist for first-time buyers?
We specialise in first-time buyer mortgages including 5% deposit schemes, Help to Buy options, and joint mortgage arrangements with parents or guarantors.
Do you offer self-employed mortgage solutions?
Yes, we provide tailored mortgages for self-employed individuals, including limited company directors, contractors, and sole traders with varying account histories.
What protection services do you provide?
We offer comprehensive protection including life insurance, critical illness cover, and income protection policies to safeguard your mortgage and family finances.
Are there fees for your mortgage advice?
Our standard mortgage advice fee is £395, payable upon completion, with free initial consultations available for all clients.
Can you help with buy-to-let mortgages?
Yes, we arrange buy-to-let mortgages for both individual landlords and limited companies, including remortgage options for portfolio investors.
What areas do you serve?
Based in Horsforth, we serve Leeds and surrounding areas including Guiseley, Otley, and North West Leeds, with nationwide mortgage solutions available.
Reviews (6)
Kitty Horsman
Dec 16, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I would highly recommend Steven Hargreaves, this was my first ever purchase and he was patient, knowledgeable and explained everythinge in great detail. Always quick to respond and easy to get hold of, and very fairly priced. I can't recommend him enough.
I would highly recommend Steven Hargreaves, this was my first ever purchase and he was patient, knowledgeable and explained everythinge in great detail. Always quick to respond and easy to get hold of, and very fairly priced. I can't recommend him enough.
Oliver Franco Photography
Dec 08, 2021
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Steve has been amazing from start to finish. I cant recommend him enough his mortgage advisory service is five stars. Top guy top service.
Maria! Leeds
Maria! Leeds
Matthew
Dec 06, 2021
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Is there a better advisor in the UK? Put simply NO! My girlfriend and I had the pleasure of completing our first home transaction earlier this week and could not recommend Steven any more highly. Having spoken to other mortgage advisors prior to engaging with Steven we were blown away with his service offering and general approach to helping people move into their home. Without his help, support and thorough guidance from start to finish we would not be where we are today. We will definitely use his services in the future and would recommend him highly to friends, family and all reading this
Y. Bhayat
Nov 28, 2021
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I have come across with Steven by Google search and luckily I have found exactly who I was looking for. Steven has great attention to detail quick to reply all our queries worked with great passionate to find our remortgage deal. We will be using his services again in future Thank you so much Steven.
Iustin-Christian Liciu
Nov 07, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Steven has been amazing every step of the way, always contactable at any time and going above and beyond (even for things that werent his job). Hes friendly and very knowledgeable. He managed to save us from losing our house due to poor communication between solicitors, vendors and estate agents. Would recommend him to anyone.
Steven has been amazing every step of the way, always contactable at any time and going above and beyond (even for things that werent his job). Hes friendly and very knowledgeable. He managed to save us from losing our house due to poor communication between solicitors, vendors and estate agents. Would recommend him to anyone.
Alison Kirby
Oct 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Seamless from start to finish. Fully understood our financial situation and the mission to improve outgoings. Steven achieved that, realigned our commitments and pursued the best deal possible for us. Would not hesitate to recommend and will continue to take his advice in the years to come
Seamless from start to finish. Fully understood our financial situation and the mission to improve outgoings. Steven achieved that, realigned our commitments and pursued the best deal possible for us. Would not hesitate to recommend and will continue to take his advice in the years to come
