Mortgages 4 Plymouth

Business Details

46 Years

experience

Trusted Mortgage Advice in Plymouth

At Mortgages 4 Plymouth, we have dedicated ourselves to providing tailored mortgage and protection advice since 1980. Our team of award-winning advisers combines over four decades of industry experience with a commitment to understanding each client's unique circumstances. We pride ourselves on offering impartial guidance, unaffiliated with any single lender, to secure competitive mortgage deals and protection packages that align precisely with individual needs. Our services extend beyond mere transactions; we aim to build lifelong relationships by delivering exceptional support throughout every stage of the mortgage journey. With a focus on transparency, we clearly explain all fees, including our initial free no-obligation consultation and competitive fee structures ranging from 0 to 399. Recognised for our expertise through multiple industry awards, we maintain authorisation by the Financial Conduct Authority while offering exclusive mortgage rates unavailable on the high street.

Our local knowledge of Plymouth and the surrounding areas, combined with national reach, enables us to navigate complex mortgage markets with confidence. Client testimonials consistently highlight our responsiveness, with advisers like Adam and Tricia receiving praise for their clear communication and technical proficiency. We specialise in first-time buyer assistance, re-mortgaging solutions, buy-to-let portfolio development, and armed forces mortgage schemes. Our comprehensive protection services, including life insurance and income cover, demonstrate our holistic approach to financial well-being. As a family-run business, we maintain rigorous compliance standards while preserving the personal touch that has sustained our reputation for over 40 years.

Services

First Time Buyers Mortgages Re-Mortgaging Solutions Buy to Let Mortgages Armed Forces Mortgages Life Insurance Protection Income Protection Plans Critical Illness Cover Business Protection Services Family Income Benefit Serious Illness Cover

Details

Year established: 1980

Highlights and features

We have over 40 years of mortgage advisory experience since 1980
Our advisers are FCA-authorised and award-winning professionals
We offer tailored mortgage solutions with exclusive market rates
We provide free initial no-obligation mortgage consultations
We receive no fees for protection insurance advice

Associations and certifications

Financial Conduct Authority

What people say

Very helpful and informative Second to none expertise Kept in the loop Honest and informative Great communication

Website

Update Listing

Services

First Time Buyers Mortgages

We specialise in guiding first-time buyers through the mortgage process with personalised support. Our advisers explain available options clearly, assist with agreement in principle applications, and provide ongoing assistance through to completion. With access to 95% mortgage products and exclusive rates, we help navigate the complexities of initial property purchases while ensuring appropriate protection coverage.

Re-Mortgaging Solutions

Our re-mortgaging service helps clients secure better rates or release equity for home improvements. We assess individual circumstances to recommend appropriate products, including free valuation options and arrangement fee-free deals. As independent advisers not tied to specific lenders, we provide impartial recommendations that consider both existing provider transfers and alternative market offerings.

Buy to Let Mortgages

We offer specialist buy-to-let mortgage solutions for property investors across the UK. Our advisers help build investment portfolios by assessing rental income potential and recommending suitable financing structures. With knowledge of both regulated and unregulated buy-to-let products, we assist experienced and first-time landlords in securing appropriate financing for their investment properties.

Armed Forces Mortgages

Our armed forces mortgage service accommodates the unique circumstances of military personnel. We work with lenders offering Forces Help to Buy Scheme options and understand the challenges of irregular working hours. Our advisers provide flexible appointment times and tailored mortgage solutions that consider service-related income structures and deployment considerations.

Life Insurance Protection

We provide comprehensive life insurance and protection products to safeguard mortgages and families. Our advisers explain different coverage options, including critical illness and income protection policies. We offer guidance on placing policies in trust for efficient payout and ensure clients understand policy terms, conditions, and applicable tax considerations.

People

Tricia

Owner and Principal Advisor

With over 40 years in financial services since 1980, Tricia established Mortgages 4 Plymouth and personally trained all advisers. Recognised for her expertise in mortgage and protection advice, she specialises in business protection while overseeing the company's strategic direction and client service standards.

Adam

Senior Mortgage Adviser

Adam provides expert mortgage advice with particular focus on first-time buyers and re-mortgaging. Clients consistently praise his knowledge, responsiveness, and ability to explain complex mortgage products clearly. He maintains regular communication throughout the mortgage process and tailors recommendations to individual circumstances.

Fran

Mortgage Adviser

Fran supports clients through the mortgage journey with reassurance and personalised attention. She builds strong relationships by understanding individual needs and maintaining consistent communication. Her approach ensures clients feel valued beyond mere transactional interactions, particularly during stressful property transactions.

Anne-Marie

Mortgage Adviser

Anne-Marie contributes to the team's award-winning service through comprehensive mortgage advice. While specific details about her specialisation aren't provided, she forms part of the experienced advisory team that has collectively earned multiple industry awards for their mortgage services.

Sonia

Support Staff

Sonia plays a key role in the support team that maintains the company's high service standards. While specific responsibilities aren't detailed, the support staff work alongside advisers to ensure smooth mortgage processing and client communication.

Questions

What mortgage options are available for first-time buyers?

We offer 95% mortgages and tailored first-time buyer solutions with expert guidance through the entire process, including agreement in principle assistance and completion support.

Do you charge fees for mortgage advice?

Our initial consultation is free with no obligation. We charge a transparent fee between 0 and £399 depending on circumstances, with no fees for protection insurance advice.

Can you help with buy-to-let mortgage applications?

Yes, we specialise in buy-to-let mortgages, helping build investment portfolios with access to exclusive rates and expert advice on rental income assessments.

Are your mortgage advisers qualified?

Our team includes FCA-authorised, award-winning advisers with over 40 years combined experience, including specialists in armed forces mortgages and business protection.

What protection products do you offer?

We provide life insurance, critical illness cover, income protection, family income benefit, and business protection solutions tailored to individual mortgage requirements and family needs.

How do you help armed forces personnel with mortgages?

We offer flexible appointment times and specialist advice for military personnel, including Forces Help to Buy Scheme options and mortgage solutions accommodating deployment considerations.

Reviews (6)

Write a Review

Emily Stevens

Dec 16, 2021 Report

I'm not one for normally writing a review, but I can't explain how pleased I am with the level of service and professionalism I received from Mortgages 4 Plymouth. As a first time buyer, I had a lot of questions and the level of support was outstanding, to say the least! Tricia arranged a brilliant deal on my mortgage and explained everything thoroughly. Oliver was extremely responsive and ensured that my mortgage and subsequent insurance was sorted promptly - as a result of his fab work, my mortgage was approved within 24 hours! Emma kept me in the loop and made sure to chase my solicitor to secure

Scott Couch

Nov 18, 2021 Report

Best financial service in Plymouth, all the team are so helpful. Such a professional yet family feel. Excellent

Dana Franks

Sep 30, 2021 Report

I wanted to express my heartfelt appreciation for all the work this wonderful mortgage company has done on my behalf .They managed to get me a mortgage under difficult circumstances and kept me informed every step of the way. Easy to talk to, professional and quite simply, can make magic happen! Very grateful for everything you have done for me in the past and for the future. I feel confident to return as and when I may need mortgage services again.

Charlotte Spurr

Aug 01, 2021 Report

I would just like to say how amazing mortgages 4 plymouth have been. Becky my advisor couldn't have done more for us if she tried. We didn't have the easiest time getting our morgage accepted but Becky and the team went above and beyond to get us there. They are highly professional and will do there best to help you as much as they can. If you are self-employed or a first time buyer I would highly recommend them. Thank you all for helping us towards getting our first home.

Rhys North

May 25, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Becky has been extremely helpful throughout the whole re-mortgaging process. Nothing was a problem and all went as smooth as I could have hoped for. Thank you again

Joanna King

Apr 17, 2021 Report

To say Charlotte went above and beyond to get me my mortgage is an understatement. Under some very difficult circumstances she worked tirelessly and got me my offer. Even with the odds being somewhat not in my favour Charlotte guided me through every step taking care of my mortgage and life insurance. I was completely in awe of her knowledge and advice. I highly recommend this company with being professional and trustworthy. Thank you Charlotte x