Business Details
9 Years
experience
Your Trusted Mortgage Broker in Appley Bridge
Mortgages Explained is a whole-of-market mortgage brokerage established in April 2017 by Tanya Cilia, a Chartered Institute of Insurance (CII) qualified Mortgage and Protection Adviser. Our expertise spans first-time buyer mortgages, remortgages, buy-to-let properties, and financial protection products. With a background in independent financial advice from Finances Explained Limited, we prioritise quality service and fair treatment of clients. Our approach combines industry knowledge with a commitment to simplifying the mortgage process through transparent, personalised guidance. We pride ourselves on handling all administrative tasks, liaising with solicitors and estate agents, and offering ongoing support throughout the mortgage journey.Our fee structure is clearly outlined, with upfront costs starting at 99 and completion fees from 200, depending on the service. We operate under the regulatory oversight of the Financial Conduct Authority (FCA) as an Appointed Representative of Stonebridge Mortgage Solutions Ltd. Our clients benefit from access to exclusive mortgage rates unavailable directly from lenders, alongside tailored insurance solutions to safeguard their financial future.
Services
Mortgage Brokerage
Life Insurance
Remortgaging
Buy to Let
First Time Buyers
Credit Rating Advice
Financial Protection
Details
- Year established: 2017
Highlights and features
- We offer CII-qualified mortgage advisory expertise
- We provide access to whole-of-market mortgage products
- Our team delivers free initial consultations with no obligation
- We implement a transparent fee structure with clear pricing
- Our service includes tailored financial protection planning
Associations and certifications
- Chartered Institute of Insurance (CII)
- Financial Conduct Authority (FCA)
What people say
Hassle-free process
Beautiful new home
Professional expertise
Successful outcomes
Personalised support
Services
Mortgage Brokerage
We provide comprehensive mortgage brokerage services across the entire market, offering access to exclusive rates unavailable directly from lenders. Our CII-qualified adviser helps clients navigate first-time buyer mortgages, remortgaging, and buy-to-let investments. Our service includes property valuation, lender liaison, and application management to ensure a seamless process.
Life Insurance
Our life insurance solutions provide financial security for dependants in case of unexpected life events. We offer tailored policies covering critical illness, redundancy, and death benefits. Our advisers help clients understand policy terms, exclusions, and payout structures to ensure appropriate coverage for personal circumstances and mortgage protection.
Remortgaging
We specialise in remortgaging services to help clients reduce monthly payments or consolidate debts. Our process includes market analysis, lender comparison, and application assistance. We advise on early repayment charges and help clients understand the financial implications of switching mortgage providers.
Buy to Let
Our buy-to-let mortgage service caters to both new and experienced landlords. We provide portfolio analysis, lender selection, and application support. Our expertise includes investment property valuation, rental income assessment, and regulatory compliance for property portfolios of all sizes.
First Time Buyers
We support first-time buyers through the entire mortgage process, from affordability calculations to completion. Our service includes budget planning, stamp duty guidance, and solicitor recommendations. We simplify complex mortgage products and provide step-by-step assistance to make home ownership accessible and stress-free.
People
Tanya Cilia
Proprietor
Tanya Cilia is a CII-qualified mortgage adviser with over 15 years' experience in financial services. She established Mortgages Explained in 2017 after working at Finances Explained Limited. Her expertise covers mortgages, protection planning, and financial risk management, combining professional qualifications with practical client-focused solutions.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgaging, buy-to-let properties, and let-to-buy arrangements. Our whole-of-market access ensures we find suitable solutions for all client circumstances.
How are your fees structured?
Our fees start at £99 upfront and £200 on completion for standard mortgages. Adverse credit cases cost £100 upfront and £250 on completion. We provide full fee transparency before starting any work.
Can you help with poor credit ratings?
Yes, we work with specialist lenders for adverse credit mortgages. We advise on credit report checks through Equifax and help clients understand their options after lender rejections.
Do you offer insurance products?
We provide life insurance, critical illness cover, and income protection policies. Our advice focuses on financial security for dependants and mortgage protection through tailored insurance solutions.
What areas do you cover?
While based in Appley Bridge, we operate across the North West region. Our services are available to clients nationwide through remote consultations and digital documentation processes.
