Business Details
15 Years
experience
Your Trusted Mortgage Advisors in Warrington
Established in 2011, Mortgages Made Simple has built a reputation for delivering straightforward, client-focused mortgage and protection insurance advice. Our team of seasoned professionals brings decades of combined experience in banking, mortgage advisory, and financial services, ensuring clients receive tailored solutions that align with their unique circumstances. We operate as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised by the Financial Conduct Authority, and maintain membership with the Equity Release Council to uphold industry-leading standards.Our expertise spans first-time buyer mortgages, remortgaging, buy-to-let portfolios, later-life lending, and comprehensive protection insurance, supported by a commitment to transparency, ethical practices, and exceptional customer service. With offices in Warrington and Newton le Willows, we serve clients nationwide, prioritising affordability, accessibility, and long-term financial security. Our dedication to client satisfaction is reflected in numerous five-star reviews and a growing base of referrals from satisfied homeowners and investors.
Services
Mortgage Advice
Protection Insurance
Remortgaging
Buy to Let Mortgages
Later Life Lending
First Time Buyer Support
Mortgage Capacity Reports
Property Investment
Divorce Financial Planning
Insurance Protection
Details
- Year established: 2011
Highlights and features
- We offer 25+ years of banking sector expertise in mortgage advisory services.
- Our team includes accredited Later Life Lending Specialists via the Equity Release Council.
- We provide an initial consultation at our cost for transparent financial planning.
- Our advisors hold CeMAP and other industry-recognised professional qualifications.
- We serve clients nationwide with local office support in Warrington and Newton le Willows.
Associations and certifications
- Financial Conduct Authority
- Equity Release Council
What people say
Expert mortgage guidance
Transparent fee structure
Professional yet approachable
Timely service delivery
Personalised financial solutions
Services
Mortgage Advice
Our mortgage advisory service provides tailored guidance across first-time buyer schemes, remortgaging, and property investment. We access exclusive market deals to secure competitive rates and affordability assessments. With nationwide coverage, our qualified advisors prioritise long-term financial stability through transparent, jargon-free recommendations.
Protection Insurance
We offer comprehensive protection insurance solutions including life cover, critical illness policies, and income protection plans. Our advisors ensure mortgage repayments remain secure during unforeseen circumstances like job loss or health issues. Coverage options are tailored to individual needs with trusted insurer panels.
Later Life Lending
Specialist later-life mortgage solutions enable homeowners over 55 to release equity while remaining in their property. As Equity Release Council members, we provide lifetime mortgages and retirement interest-only products with clear risk disclosures. Our advisors ensure compliance with regulatory standards.
Buy to Let Mortgages
We facilitate buy-to-let financing for novice and experienced landlords, including limited company purchases and holiday lets. Our services cover portfolio mortgages, HMO financing, and rental income assessments. Access to specialist lenders ensures competitive terms for property investors.
Mortgage Capacity Reports
Our mortgage capacity service assesses borrowing potential during relationship breakdowns or financial transitions. The reports evaluate affordability based on income, existing commitments, and lender criteria. This service supports legal proceedings while maintaining transparency about financial limitations.
People
Jennifer Yates
Principal Mortgage Consultant
With 25+ years in banking and mortgage advisory, Jennifer founded Mortgages Made Simple in 2011. She specialises in later-life lending, divorce financial planning, and property development support while maintaining Equity Release Council accreditation.
Adam Yates
Senior Mortgage Advisor
A CeMAP-qualified advisor since 2017, Adam specialises in first-time buyer mortgages and buy-to-let portfolios. His expertise includes Help to Buy schemes and limited company property investments, delivered with clear, accessible communication.
Nicola Hunt
Senior Mortgage Advisor
Nicola brings 17 years of financial services experience, focusing on first-time buyers, shared ownership, and buy-to-let mortgages. Her client-centred approach combines technical expertise with understanding family financial planning needs.
Claire Broster
Mortgage Consultant
With 27 years in finance and board-level experience, Claire serves Cheshire and North Wales clients. Her strengths include complex mortgage structures and protection insurance, supported by CeMAP and Fellow of the Chartered Institute of Marketing qualifications.
Robin Jones
Mortgage Consultant
Robin combines mortgage expertise with analytical skills to create tailored solutions. His focus areas include critical illness cover integration and lifetime mortgage products, delivered with a commitment to building long-term client relationships through active listening.
Questions
What mortgage fees does Mortgages Made Simple charge?
Our fees start at £395 for standard mortgage arrangements, £995 for later-life mortgages, and £395 for mortgage capacity reports. Exact costs depend on individual circumstances.
Do you provide services outside Warrington?
We operate nationwide from our Warrington and Newton le Willows offices, supporting clients across the UK with both in-person and remote consultations.
What protection insurance options are available?
We offer life insurance, critical illness cover, income protection, and buildings/contents insurance through trusted UK providers to safeguard mortgage commitments.
Can you help with complex mortgage situations?
Our specialists handle divorce-related financial planning, credit issues, shared equity agreements, and property development financing with tailored solutions.
Are your later-life mortgages regulated?
As Equity Release Council members, our later-life lending products meet strict regulatory standards while maintaining transparency about long-term financial implications.
Reviews (7)
Maria Alty
Dec 15, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Jennie got both myself and my daughter two very competitive mortgage deals and as your name suggests, everything couldnt have been made simpler - thank you so much for a great service and your expert advice - hope you and all the team have a lovely Christmas x
Jennie got both myself and my daughter two very competitive mortgage deals and as your name suggests, everything couldnt have been made simpler - thank you so much for a great service and your expert advice - hope you and all the team have a lovely Christmas x
Rachel Hayes
Dec 13, 2021
Report
I can not thank Carla enough, she has been fantastic from the start in finding our mortgage and no question was to small for her to respond to. Our mortgage Is still going through and whenever I message Carla she responds pretty much straight away. Carla has been the best money that I have spent in this whole process and will definitely be using her service in the future .
Alex Mutu
Nov 23, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Hi. I had a great response, support and good communication from their broker Adam. If i had a concerns, issue or worry, Adam had sort it with me. Good value, Fast and reliable delivery of services. Good team.
Hi. I had a great response, support and good communication from their broker Adam. If i had a concerns, issue or worry, Adam had sort it with me. Good value, Fast and reliable delivery of services. Good team.
Paul
Nov 01, 2021
Report
Very poor service, very unprofessional, awful behaviour. Agreement by X (I won't name the individual) to produce a legal document for my solicitor, mentioned several in conversation and by follow-up email my 1 week deadline, X agreed in conversation that the document would be sent by the following week.
Called 1 week later to find out that
1) That the document had not been worked on
2) X was now on holiday
3) X had decided to not email or call me to cancel
4) This company had left me to follow up and find out for myself 1 day before my deadline
5) falsely claimed I was a UK non-tax resident
Called 1 week later to find out that
1) That the document had not been worked on
2) X was now on holiday
3) X had decided to not email or call me to cancel
4) This company had left me to follow up and find out for myself 1 day before my deadline
5) falsely claimed I was a UK non-tax resident
Ste Darbyshire
Oct 25, 2021
Report
Positive:Professionalism,Quality,Value
The team at Mortgages Made Simple have been very helpful and provide a good quality professional service I would 100% use their services again and would strongly recommend them.
The team at Mortgages Made Simple have been very helpful and provide a good quality professional service I would 100% use their services again and would strongly recommend them.
Jonathan Rigby
Oct 19, 2021
Report
Adam and the Mortgages Made Simple team have been excellent throughout our mortgage application and house purchase. This is the second time using their services and I would recommend Adam and the team to anyone. Communication and response from everyone throughout the process has been excellent and their knowledge of the industry is first class. Finding us the perfect mortgage to suit our needs.
Shakeela Asif
Oct 05, 2021
Report
Positive:Professionalism,Responsiveness,Value
Thanks to Adam, Tracy & Jennifer for helping me with my first mortgage, kept me updated throughout. Fantastic service. Highly recommended!
Thanks to Adam, Tracy & Jennifer for helping me with my first mortgage, kept me updated throughout. Fantastic service. Highly recommended!
