Business Details
21 Years
experience
Your Independent Mortgage Advisers in Leeds
Response Mortgage Services is a dedicated team of independent mortgage advisers committed to providing honest and ethical advice tailored to individual client needs. With access to the entire mortgage market, we specialise in helping first-time buyers, remortgagers, and buy-to-let landlords navigate the complexities of property finance. Our approach prioritises client interests, combining extensive market knowledge with a focus on transparency and long-term relationships. We pride ourselves on cutting through industry jargon to deliver clear, informed recommendations that align with each client's financial goals. Our team's expertise spans residential mortgages, protection planning, and insurance solutions, supported by a commitment to continuous market research.Established in 2005, we maintain a client-centric ethos that has earned us repeat business and referrals. Our services extend beyond standard mortgage advice, incorporating life assurance and income protection strategies to ensure comprehensive financial security. We operate with full regulatory compliance under the Financial Conduct Authority, maintaining rigorous professional standards. Our Leeds-based team combines local market insight with national industry expertise, offering a service that balances technical proficiency with personal care. By maintaining independence from specific lenders, we guarantee impartial guidance that consistently places client interests first.
Services
First Time Buyers
Re-Mortgages
Buy to Let
Right to Buy
Self-Employed Mortgages
Bad Credit Mortgages
Later Life Lending
Life Cover
Income Protection
Home Insurance
Details
- Year established: 2005
Highlights and features
- We offer 20+ years of combined experience in mortgage advisory services
- Our team holds independent status with access to the entire mortgage market
- We provide tailored protection planning alongside mortgage solutions
- Our advisers maintain continuous professional development in changing regulations
- We operate with full transparency and no hidden fees policy
Associations and certifications
- Financial Conduct Authority
What people say
Very helpful and professional
Quick response times
Highly recommendable service
Excellent communication
Stress-free process
Services
First Time Buyers
Specialised mortgage solutions for first-time property purchasers. We guide clients through every step, from initial affordability assessments to final completion. Our service includes market analysis, product selection, and application support tailored to individual financial circumstances. We help navigate government schemes and ensure clients understand all aspects of homeownership.
Re-Mortgages
Expert remortgaging advice to secure better rates and terms. We review existing mortgage arrangements, assess market alternatives, and recommend optimal refinancing strategies. Our service includes penalty calculations, product transfers, and equity release options while ensuring continued affordability assessments.
Buy to Let
Comprehensive guidance for property investors. We provide portfolio strategy advice, cashflow analysis, and tax-efficient structuring options. Our service covers specialist landlord products, limited company mortgages, and development finance solutions tailored to both novice and experienced property investors.
Life Cover
Protective financial planning for family security. We design bespoke life insurance policies that align with mortgage commitments and personal circumstances. Our service includes term assurance, critical illness cover, and income protection solutions that provide financial safety nets for dependants.
Self-Employed Mortgages
Tailored mortgage solutions for self-employed individuals. We specialise in complex income verification cases, including contractors and business owners. Our service addresses unique lending criteria while securing competitive rates through specialist lenders experienced in non-standard income assessments.
People
Andrew Quinn
Managing Director
With 20+ years in financial services, Andrew established Response Mortgages in 2005 after working with a major insurance company. He specialises in residential and commercial mortgages while maintaining client relationships across Yorkshire.
Kevin Lawson
Senior Mortgage Adviser
Qualified since 2001, Kevin brings extensive experience from Leeds-based brokers and estate agencies. He specialises in residential and buy-to-let mortgages with particular expertise in complex protection planning for property investors.
Josh Quinn
Operations Manager
Joining in 2018, Josh progressed from apprentice to operations manager. He oversees administrative processes while maintaining client contact, combining technical mortgage knowledge with operational efficiency gained through seven years with the company.
Siobhan Haran
Mortgage Adviser
With 14 years in financial services since 2010, Siobhan returned to client-facing roles after maternity leave. She specialises in residential mortgages and protection, leveraging experience from major Leeds estate agencies and self-employment.
Gary Dalby
Mortgage Adviser
Qualified since 2012, Gary transitioned from corporate lenders to independent advice in 2023. He specialises in residential and later-life lending, bringing expertise from major building societies and specialist protection providers.
Questions
What mortgage options exist for first-time buyers?
We offer comprehensive guidance on government schemes, deposit requirements, and market products tailored to first-time buyers' specific circumstances.
Can I remortgage with bad credit?
Yes, we work with specialist lenders offering competitive rates for clients with adverse credit histories while providing improvement strategies.
What protection plans should landlords have?
We recommend income protection and life assurance tailored to rental income streams, ensuring financial security during unexpected circumstances.
How does self-employed mortgage assessment work?
We use specialist lenders that accept SA302 forms and accountants' references, providing bespoke solutions for contractors and business owners.
What fees apply to mortgage advice?
Our standard fee is £495 for mortgage advice services, with transparent pricing discussed before any application process begins.
How long does mortgage approval take?
Typical approval takes 2-4 weeks, though we expedite processes through direct lender relationships and efficient documentation handling.
Reviews (5)
James Coates
Dec 01, 2021
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Absolutely brilliant these guys. My house move was a mess from start to finish and no word of a lie I couldnt of done it with Kevin Lawson, his knowledge and advice was so good, top bloke at his job and i cant thank him enough. When the mortgage was finally in place Zoe took over and she was equally as good.. chasing solicitors (time wasters) but she did all the leg work for me.. If you need to know anything both these guys were there for me asap replied to every email very promptly, called me when i needed anything. Would highly recommend this company.
Leon Pearson
Aug 21, 2021
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Positive:Professionalism
First class service from start to finish. Would most definitely recommend.
First class service from start to finish. Would most definitely recommend.
Emma Day
Jul 20, 2021
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The team at response mortgages have been amazing throughout the whole process when we were buying our first home!
Kay has been outstanding, she has been friendly and supportive, has always kept us up to date with where we were and has been there every step of the way to us now being settled in our home.
Zoe has been great too, regularly emailing to check in to see if we needed anything and keeping us updated with any progress.
Overall, the company has been 10/10, there is nothing they could do better! Great value, great service! I totally recommend them if you are looking for mortgage help
Kay has been outstanding, she has been friendly and supportive, has always kept us up to date with where we were and has been there every step of the way to us now being settled in our home.
Zoe has been great too, regularly emailing to check in to see if we needed anything and keeping us updated with any progress.
Overall, the company has been 10/10, there is nothing they could do better! Great value, great service! I totally recommend them if you are looking for mortgage help
Jacqueline Ross
May 20, 2021
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Positive:Professionalism,Quality,Responsiveness
Excellent service Kay and Zoe were very attentive and efficient. Kay was able to find us the best mortgage suited with no problems. Informative throughout the whole process and professional. Using the service took alot of the stress out of buying a house and made the process smooth and easy. Highly recommend!
Excellent service Kay and Zoe were very attentive and efficient. Kay was able to find us the best mortgage suited with no problems. Informative throughout the whole process and professional. Using the service took alot of the stress out of buying a house and made the process smooth and easy. Highly recommend!
Alex Jungius
Apr 23, 2021
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Andy, Ella and the team at Response Mortgages are quite literally the best in the business. So knowledgeable about the market and will not only find you the best deal out there but hold your hand along the way and have always been so helpful with all my annoying questions for both Personal and Buy to Let mortgages. Go and speak with them as you won't find better!
