Business Details
33 Years
experience
Trusted Mortgage Brokers in Surrey & Hampshire
Michael Usher Mortgage Services has been a trusted name in the mortgage advisory sector for over three decades. Founded in 1993, our family-run business operates from Camberley, serving clients across Surrey, Hampshire, and Berkshire. Our team of 30 dedicated professionals, including CeMap-qualified advisors, specialises in mortgages, equity release, insurance, and wills. We pride ourselves on impartial advice, having access to a wide range of market deals, including exclusive products unavailable elsewhere. Our commitment to transparency ensures no credit score impact during initial searches, with applications handled seamlessly on your behalf.Recognised through multiple industry awards, including Best Advisor Firm in the South, we combine local expertise with national regulatory compliance. Our holistic approach extends to property sales and lettings, ensuring comprehensive support for lifes major financial decisions. Customer satisfaction remains paramount, reflected in our 5* Trustpilot ratings and thousands of positive testimonials. We operate through face-to-face consultations, phone, and video calls, maintaining a personal touch in every interaction.
Services
Mortgages
Remortgage
Moving House
First Time Buyer
Buy To Let
Equity Release
Insurance
Wills
Commercial Mortgages
Development Mortgages
Details
- Year established: 1993
Highlights and features
- We have over 30 years of experience in mortgage advisory services.
- Our advisors are CeMap qualified and industry-recognised.
- We offer impartial advice by searching across 1000+ mortgage deals.
- We handle your application to make the process easy and stress-free.
- We are authorised and regulated by the Financial Conduct Authority (FCA).
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Friendly and knowledgeable advisors
Fantastic service
Efficient and knowledgeable staff
Highly recommend
Hassle-free process
Services
Mortgages
We provide comprehensive mortgage solutions tailored to individual circumstances, including first-time buyer deals, buy-to-let options, and complex adverse credit cases. Our CeMap-qualified advisors access exclusive market products unavailable elsewhere, ensuring competitive rates. With impartial advice and application handling, we simplify the process while protecting your credit score through no-impact initial searches.
Equity Release
Our equity release specialists help homeowners access property wealth through lifetime mortgages and home reversion schemes. We prioritise client understanding of long-term implications while ensuring suitable product matching. With dedicated advisors and referral partnerships for specialist schemes, we provide balanced guidance aligned with retirement financial planning needs.
Insurance
We offer tailored insurance solutions including life cover, critical illness protection, and income benefit policies. Our team ensures comprehensive financial safeguards for families while maintaining affordability. With access to multiple providers, we match policies to individual risk profiles and life circumstances, providing ongoing support for policy adjustments as needs evolve.
Commercial Mortgages
We specialise in commercial property financing for business premises purchases, investment properties, and development projects. Our advisors access high-street and specialist lenders, offering competitive rates for owner-occupiers and investors. With expertise in complex commercial lending criteria, we provide tailored solutions while maintaining transparent communication throughout the application process.
Wills
Our will-writing services ensure clear estate distribution plans through legally compliant documentation. We specialise in complex wills, lasting power of attorney arrangements, and probate guidance. With Institute of Professional Will Writers-certified specialists, we provide compassionate yet professional support for securing clients' legacies and family financial security.
People
Michael Usher
Director
Founder of Michael Usher Mortgage Services, Michael combines 30+ years' industry experience with local community engagement. A former estate agent, he established the business in 1993 to provide honest mortgage advice. Known for his DJ skills and football refereeing, he maintains active involvement in local charities.
Mitch Atkins
Director
Joining in 2011, Mitch brings managerial expertise alongside mortgage advisory skills. A Tottenham Hotspur supporter, he ensures operational efficiency while maintaining client-focused service standards. His approachability helps create a positive customer experience throughout the mortgage process.
Lisa Usher
Mortgage & Protection Advisor
With CeMap qualifications and specialist equity release accreditation, Lisa provides expert advice since 2010. A Liverpool FC supporter, she combines mortgage expertise with will-writing and estate planning skills, consistently receiving client praise for her professional yet caring approach.
Sean Usher
Mortgage & Protection Advisor
Specialising in first-time buyer schemes and adverse credit cases, Sean offers tailored mortgage solutions. A qualified advisor with expertise in later-life lending, he combines Liverpool FC fandom with fitness enthusiasm while maintaining a strong client satisfaction record.
Sharas Gurung
Mortgage & Protection Advisor
A top-performing advisor since 2011, Sharas maintains strong community connections across Nepalese networks. His Manchester City support complements extensive mortgage market knowledge, with clients praising his reliability and cross-border advisory capabilities.
Questions
What mortgage types do you offer?
We provide residential mortgages, buy-to-let, equity release, commercial mortgages, and development finance solutions tailored to individual circumstances.
How do you differ from high-street banks?
As an independent broker, we access 1000+ deals across the market, including exclusive products unavailable directly through banks or single lenders.
Does using your service affect credit scores?
Initial mortgage searches don't impact credit scores, and we only apply for deals with high approval likelihood to protect your credit rating.
What areas do you cover?
We primarily serve Surrey, Hampshire, and Berkshire from our Camberley office, supporting clients across the UK through remote consultations.
Can you help with commercial property financing?
Yes, our commercial mortgage specialists access competitive rates for business premises purchases, investment properties, and development projects.
Are your advisors qualified?
All mortgage advisors hold CeMap qualifications, with specialists in equity release, will-writing, and commercial finance maintaining additional accreditations.
Reviews (6)
Alex Spencer
Nov 19, 2021
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Positive:Professionalism,Quality,Responsiveness
Thank you to Sean and Nicole for setting up my mortgage protection policy so quickly. I was nervous about the process but all my concerns were put at ease. I would definitely recommend and will be back when my remortgage is due!
Thank you to Sean and Nicole for setting up my mortgage protection policy so quickly. I was nervous about the process but all my concerns were put at ease. I would definitely recommend and will be back when my remortgage is due!
Sonia Nash
Jun 26, 2021
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Joe was brilliant at explaining the different options, next steps and everything we had no clue about. Very responsive and on the ball and so was Vicky.
However, I cannot give Michael Usher a 5 stars due to their poor judgement when it comes to solicitor recommendation. They advised APL (advantage property lawyers) located in Leeds, and dealing with this utterly incompetent firm has completely corrupted the whole transaction. An easy deal with no chains and great mortgage advisors turned into an absolute nightmare. Thankfully Vicky at Michael Usher was great at helping us push APL to do their
However, I cannot give Michael Usher a 5 stars due to their poor judgement when it comes to solicitor recommendation. They advised APL (advantage property lawyers) located in Leeds, and dealing with this utterly incompetent firm has completely corrupted the whole transaction. An easy deal with no chains and great mortgage advisors turned into an absolute nightmare. Thankfully Vicky at Michael Usher was great at helping us push APL to do their
Tamuka Madanha
May 08, 2020
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Couldn't be more delighted to have partnered with Michael Usher. They made the process less stressful. Proactive, thoughtful with sound advice is how I can best describe the service I received. Will not hesitate for a second to refer or strongly recommend.
Tam
Tam
Sharon Rick
Dec 07, 2019
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I was recommended Michael Usher Mortgage services by my sister who had previously used them - Mark Jones was who we were recommended. We were looking to remortgage and from the very first meeting Mark was professional, honest and explained things in away that we understood. we were always kept up to date and the remortgage went through very smoothly & quickly. I have already recommended Mark to a friend & will definitely use them again. Mark has also set up new life insurance for us too! Thank you Mark & Vicky for all your help.
Stacy Harris
Dec 03, 2019
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MUMS were brilliant when my husband and I were looking to get a mortgage. They were very well informed and thorough in ensuring we achieved our desired goal, as well as being supportive throughout. Our mortgage adviser Joe was very professional, prompt and always gave us great reception whether in person or over the phone. Nothing was too much when we asked and on many occasions went over and beyond for us. We cannot recommend them enough for anyone looking for top class mortgage services and indeed have referred them to close family and friends who have experienced similar high quality services
Martyn Cattermoul
Nov 19, 2019
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Michael usher mortgage services was never on my radar, but as my mortgage broker Mark Jones had moved there from a local competitor i thought id give them a try and i was not disappointed, Mark is an absolute credit to Michael usher mortgages, i've grown to know mark on a business and some what personal level. Great guy and very professional honestly couldn't of wanted more... helpful easy going and delivers the a tailored package to suit your needs!
