Business Details
22 Years
experience
Expert Mortgage Brokers in Thame & High Wycombe
Established in 2004, we are proud to offer expert mortgage and protection brokerage services tailored to individual client needs. Our CeMAP-qualified team provides unbiased advice, drawing from extensive experience in banking and mortgage broking to ensure clients receive the best possible deals. We specialise in comparing over 50 lenders to find optimal mortgage solutions, including niche areas such as buy-to-let, self-employed mortgages, and complex cases with credit issues. Our approach prioritises transparency, with no upfront fees for initial consultations and a clear 299 application fee when proceeding. We handle all aspects of the mortgage process, from application submission to liaison with solicitors and estate agents, ensuring a seamless experience.Our reputation for trustworthy advice has been built through years of client referrals and positive outcomes. We offer flexible communication options, including face-to-face meetings in Thame and High Wycombe, as well as remote consultations via phone or video calls. Our team's expertise extends to mortgage protection products like life cover and income protection, providing comprehensive financial security solutions. We pride ourselves on demystifying the mortgage process, offering clear explanations without industry jargon. With a focus on long-term client relationships, we continue to support clients throughout their mortgage journey and beyond.
Services
First Time Buyer Mortgages
Remortgage Advice
Buy to Let Mortgages
Self-Employed Mortgages
Mortgage Protection
Life Insurance Advice
Details
- Year established: 2004
Highlights and features
- We offer unbiased advice from over 50+ lenders
- Our team has 20 years' combined mortgage broking experience
- We specialise in complex cases with credit issues or self-employment
- Transparent fee structure with no upfront costs
- We handle all paperwork and lender communication
Associations and certifications
- Financial Conduct Authority
- PRIMIS Mortgage Network
Services
Mortgage Advice
Our mortgage advice service provides tailored solutions for first-time buyers, remortgagers, and those with complex financial situations. We compare over 50 lenders to find competitive rates, handling all paperwork and lender communication. With CeMAP-qualified experts, we ensure transparent, jargon-free guidance throughout the process.
Life Insurance Advice
We offer expert life insurance advice tailored to individual needs, including family protection and mortgage life cover. Our team helps clients understand available options, ensuring appropriate coverage to safeguard their home and family against unforeseen circumstances while maintaining affordability.
Buy to Let Mortgages
Specialist buy-to-let mortgage solutions for property investors, including portfolio management and tax-efficient structures. We connect clients with lenders offering competitive rates for rental properties, providing comprehensive advice on investment strategies and regulatory requirements.
Self-Employed Mortgages
Tailored mortgage solutions for self-employed individuals and contractors, addressing unique income verification challenges. We work with lenders who specialise in non-traditional income structures, ensuring fair assessment of borrowing capacity based on actual financial circumstances.
Mortgage Protection
Our mortgage protection services include income protection, critical illness cover, and family life insurance. These products safeguard against mortgage payment disruptions due to illness, unemployment, or death, providing financial security while maintaining transparency about policy terms and limitations.
People
Ivona Lord
Founder
Established the company in 2004 after banking and mortgage broking career. Advocates unbiased service tailored to client needs. Prioritises exceptional customer service through team expertise and client referrals.
Sarah Lister
Mortgage Broker
Joined in 2006 with estate agency background. Specialises in guiding clients through home buying process. Recognised for helping clients secure financing after bank rejections through tailored lender matching.
Eilish Crowther
Mortgage Broker
Qualified broker since 2017 with expertise in mortgage and protection advice. Focuses on client education and demystifying financial processes. Combines technical knowledge with approachable communication style.
Deborah Selfridge
Office Administration
Joined in 2024 to support mortgage process administration. Emphasises efficient service delivery and client-adviser communication. Ensures smooth operational processes for client journey.
Questions
Do you charge fees for mortgage advice?
Initial consultation is free with no obligation. A £299 fee applies only when proceeding with a mortgage application.
Can you help with complex mortgage cases?
Yes, we specialise in complex cases including credit issues, self-employment, and unique financial circumstances.
Are your mortgage rates better than direct lenders?
We access exclusive deals unavailable directly, potentially saving clients money through our lender network.
Do you offer remote mortgage services?
Yes, we provide full mortgage services online, via phone, or video calls without requiring office visits.
What mortgage protection products do you offer?
We provide life cover, critical illness cover, and income protection tailored to mortgage requirements.
How do you differ from other mortgage brokers?
We combine technical expertise with approachable service, prioritising client education and long-term relationships over transactional interactions.
Reviews (5)
Bryony Bemment
Jan 05, 2022
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We had such an excellent experience with Independent Mortgage Solutions. Being completely clueless dealing with this stuff is daunting but Eilish was really informative and so friendly I cant recommend her services enough. We definitely feel better equipped to discuss and make decisions on our mortgage in future and wont hesitate to return to independent mortgage solutions.
Grant Brown
Dec 05, 2021
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Independent mortgage solutions were fantastic, me and my fianc were first time buyers and didnt have much knowledge around applying for a mortgage. From start to finish they gave us all the help we could of asked for and went above and beyond to ensure we had a good experience using them. We used Eilish who was absolutely brilliant, she made us feel welcome, was very approachable for any issues we had and solved every query we had brilliantly. We have both recommended this company (especially Eilish) to multiple people and we now wouldnt consider using a different company.
Lisa Mansell
Dec 05, 2021
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Ivona and the team were nothing less than incredible. Ivona made the entire process so simple and easy, she literally took the stress of everything away. Always answered when we needed her and response times were impeccable along with attention to detail. We will absolutely be using Ivona again, we couldnt be happier with the service. Thank you all so much for everything.
Hannie Scott
Dec 01, 2021
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If you need a mortgage, you need these guys! I cannot recommend independent mortgage solutions enough. Sarah managed our first mortgage and with the help of Sarah & Eilish we recently completed our second house purchase. They helped us from start to finish and went above and beyond to make sure we secured the mortgage we needed for our dream move. Through what was a stressful time, they supported us and did the leg work needed while ensuring we were constantly updated on progress. Without them we truly wouldve been lost so thank you so so much, we couldnt have done it without you!
Aimee Parkes
Nov 30, 2021
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Fantastic customer service, excellent communication and I would recommend IMS to anybody buying a new house.
Eilish made the process of buying our first home incredibly easy, helping with mortgages, explaining rate and answering every silly question. They are flexible with face to face or telephone calls and all at a reasonable cost. We will certainly be using there services again in the future.
Eilish made the process of buying our first home incredibly easy, helping with mortgages, explaining rate and answering every silly question. They are flexible with face to face or telephone calls and all at a reasonable cost. We will certainly be using there services again in the future.
