Business Details
15 Years
experience
Your Trusted Mortgage Brokers in Milton Keynes
Mortgage Light has been providing expert mortgage and protection advice since 2011, founded by Director Siobhan Holbrook. Our team combines deep industry experience with a client-centric approach, offering tailored solutions across the entire mortgage spectrum. We specialise in first-time buyer mortgages, remortgaging, buy-to-let, shared ownership, and complex cases including self-employed and CIS workers. Recognised by leading lenders and industry bodies, we leverage our market influence to secure bespoke products unavailable elsewhere.Our social-first strategy delivers accessible, jargon-free guidance through TikTok, Instagram, and face-to-face consultations at our Milton Keynes clinic. With over 15 years' experience and 80% client retention, we prioritise long-term relationships, offering ongoing support from initial consultation through to property completion and beyond.
Services
First Time Buyers
Homemovers
Shared Ownership
Remortgages
Buy to Let
Commercial Mortgages
Self Employed
CIS Workers
Green Mortgages
Bad Credit
Details
- Year established: 2011
Highlights and features
- Free mortgage consultation with our welcoming team
- Covering the whole of the UK
- Personalised mortgage & protection services
- Access to the whole mortgage market
- Specialist buy-to-let department
Associations and certifications
- Financial Conduct Authority
What people say
No jargon, no rubbish
Actual human being
Best mortgage deal
Seamless process
Fantastic support
Services
First Time Buyers
We specialise in guiding first-time buyers through the mortgage process with clear, jargon-free advice. Our team helps clients understand affordability, secure decisions in principle, and navigate property searches. With access to exclusive deals and government schemes, we make homeownership accessible even with limited deposits or complex income structures.
Buy to Let
Our buy-to-let specialists provide tailored financing solutions for property investors. We offer access to competitive rates, portfolio management strategies, and alternative finance options. With expertise in limited company structures and tax-efficient planning, we help investors maximise returns while navigating regulatory requirements across residential and commercial property investments.
Remortgaging
Our dedicated remortgage team helps clients secure better rates and release equity without unnecessary fees. We review existing deals, compare market options, and handle all paperwork to ensure seamless transitions. With ongoing rate monitoring and proactive advice, we help clients optimise their mortgages as their circumstances evolve.
Shared Ownership
We specialise in shared ownership mortgages, helping clients purchase between 30-70% of properties with flexible financing. Our experts guide clients through housing association partnerships, staircasing options, and eligibility criteria. With access to lenders offering 100% ownership pathways, we help clients build equity over time while managing rental payments on the remaining share.
Bad Credit Mortgages
Our team specialises in securing mortgages for clients with credit challenges including defaults, CCJs, and bankruptcy. We work with specialist lenders offering tailored solutions based on individual circumstances. Through strategic advice on credit improvement and deposit optimisation, we help clients rebuild financial standing while accessing competitive rates for both residential and investment properties.
People
Siobhan Holbrook
Owner & Director
With over 20 years' experience in property and finance, Siobhan founded Mortgage Light in 2011. Her background in new build sales informs our strategic approach to mortgage solutions. Siobhan leads product development and industry engagement, shaping mortgage market policy through lender partnerships.
James Carr
Senior Mortgage & Protection Consultant
James specialises in complex mortgages and protection planning, with particular expertise in commercial finance and high-net-worth clients. He brings 15 years' experience from major lenders to deliver tailored solutions for residential and investment properties across the UK.
Daniel Hopper
Senior Mortgage & Protection Consultant
Daniel focuses on first-time buyers and shared ownership schemes, helping clients navigate affordability challenges. With a background in financial planning, he integrates mortgage strategies with long-term wealth management to support clients' property and investment goals.
Natasha Daley
Senior Mortgage & Protection Consultant
Natasha specialises in buy-to-let portfolios and limited company mortgages. Her expertise in tax-efficient structuring benefits property investors seeking to optimise returns. She provides strategic advice on portfolio diversification and regulatory compliance for residential and commercial investments.
Dumitru Marocico
Commercial Mortgage Consultant
Dumitru leads our commercial finance division, arranging development finance, bridging loans, and business premises mortgages. With 12 years' experience in corporate banking, he delivers bespoke solutions for SMEs and property developers seeking growth capital.
Questions
What is a mortgage broker?
A mortgage broker helps you find the right mortgage by comparing products from multiple lenders. At Mortgage Light, we assess your unique circumstances to recommend tailored solutions that match your financial goals.
Why use a mortgage broker?
With over 25,000 mortgage products available, brokers save time by identifying suitable options. We leverage lender relationships to secure exclusive deals and provide expert guidance through the entire application process.
Can I visit your office?
Yes! We host monthly drop-in clinics at our Milton Keynes office on the first Thursday of each month from 5-7pm for face-to-face consultations with no appointment needed.
What fees do you charge?
Our typical fees are £495 for residential purchases and £595 for buy-to-let, with maximum charges capped at 1.5% of the loan amount. All fees are agreed upfront before proceeding.
Do you offer protection services?
Yes, we provide comprehensive protection solutions including life insurance, critical illness cover, income protection, and business protection tailored to your mortgage and personal circumstances.
Reviews (6)
Debby Graver
Mar 17, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I have dealt with the company for many years and cannot fault the service I have received in every respect. I wouldn't (and haven't) hesitated in recommending them to others.
I have dealt with the company for many years and cannot fault the service I have received in every respect. I wouldn't (and haven't) hesitated in recommending them to others.
Rooh Khaliq
Feb 26, 2021
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Positive:Responsiveness
Mortgage light has been very responsive and professional. I would highly recommend them especially Max.D and Emma.M, they both were extremely friendly and helped me a lot. I appreciate the quality of work I received. Thank You
Mortgage light has been very responsive and professional. I would highly recommend them especially Max.D and Emma.M, they both were extremely friendly and helped me a lot. I appreciate the quality of work I received. Thank You
William Manu
Jan 14, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Nevetha and rob were fantastic and very helpful. We were always updated every step of the way and they were and always on top of everything. Fantastic service from them both would 100% recommend
Nevetha and rob were fantastic and very helpful. We were always updated every step of the way and they were and always on top of everything. Fantastic service from them both would 100% recommend
Lucy Greene
Aug 20, 2020
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Cannot recommend James Deakin enough, he was super friendly and worked so hard to get us our mortgage offer. He was always there ready to answer any questions we had, which as first time buyers there were quite a few! He kept us in the loop and updated throughout the whole process which really is appreciated just to put our minds at rest. Wish I could give more than 5 stars!! Thank you so so much!!
Leanne Botterill
Jun 04, 2020
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Critical:Professionalism
Wasnt listened to at all. Had to keep repeating information which was very frustrating. Found Samantha Knight to be extremely rude. Went with an alternative broker who was a lot more helpful and polite.
Wasnt listened to at all. Had to keep repeating information which was very frustrating. Found Samantha Knight to be extremely rude. Went with an alternative broker who was a lot more helpful and polite.
Jedd Eagleton
Dec 08, 2019
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Thank you James for your time and knowledge whilst helping us with our mortgage, i cant recommend Mortgage lite any higher. The office is very private and comforting and i felt i was in good hands throughout the process! Thanks again :)
