Business Details
12 Years
experience
Award-Winning Mortgage Brokers in Hatfield
Established in 2014 by industry veterans Michael Coombes and James Wright, our award-winning mortgage and protection brokerage combines over 180 years of collective expertise to deliver personalized, client-focused solutions. With offices across Hertfordshire, Kent, and London, we serve clients nationwide, offering tailored advice on first-time purchases, remortgaging, buy-to-let investments, and equity release. Our team of CeMAP-certified advisers prioritizes transparency, leveraging access to over 65 lenders to secure competitive rates while maintaining a commitment to exceptional customer care.Recognized for our jargon-free guidance and flexible appointment options, we simplify complex financial processes, ensuring clients receive comprehensive support from initial consultation to transaction completion. Our 483+ 5-star reviews attest to our dedication to stress-free service and long-term client relationships.
Services
First-Time Buyers
Remortgages
Buy-to-Let
Equity Release
Protection Cover
Commercial Lending
Own New Mortgages
Government Schemes
Debt Consolidation
Adverse Credit Mortgages
Details
- Year established: 2014
Highlights and features
- We offer 180+ years of combined mortgage industry expertise
- We provide free no-obligation consultations with flexible appointment options
- We search 65+ lenders to find competitive mortgage products
- We guarantee transparent, jargon-free financial guidance
- We maintain 483+ 5-star customer reviews for service excellence
What people say
Exceptional service
Friendly and helpful
Stress-free process
Expert knowledge
Personalized support
Services
First-Time Buyers
Specialist guidance for first-time property purchases, including 5% deposit schemes and government-backed programs. We simplify mortgage applications, explain technical terms clearly, and help secure competitive rates through our 65+ lender network. Our advisers provide ongoing support from initial consultation to completion.
Remortgages
Expert remortgaging solutions to avoid standard variable rates, consolidate debt, or fund property improvements. We analyze market options up to six months before current deals expire, considering exit fees and long-term savings. Our team manages all paperwork and lender communications.
Buy-to-Let
Tailored financing for property investors, including portfolio management and limited company structuring advice. We access specialist products with competitive rental coverage ratios, providing detailed cashflow analysis and tax-efficient strategies for landlords.
Equity Release
Regulated equity release solutions for homeowners over 55, including lifetime mortgages and staircasing options. We explain financial implications clearly, ensuring clients understand interest accrual and inheritance impacts while meeting FCA compliance standards.
Protection Cover
Comprehensive risk assessment and insurance solutions, including life cover, critical illness, and income protection. We compare policies from multiple providers to ensure adequate mortgage payment coverage during unforeseen circumstances like redundancy or health issues.
People
Michael Coombes
Director / Mortgage Adviser
BA (Hons) qualified with 25+ years' experience, Michael co-founded the business after corporate sector roles. He specializes in simplifying complex mortgage processes while maintaining personal client relationships, focusing on first-time buyer schemes and portfolio management.
James Wright
Director / Mortgage Adviser
Adv CeMAP-certified director with 20+ years' industry experience. James prioritizes straightforward communication and problem-solving, particularly in remortgaging strategies and buy-to-let portfolio structuring, maintaining strong local lender relationships.
Dean Tomlinson
Mortgage Adviser
CeMAP-qualified adviser in Abbots Langley with property industry experience since 2005. Dean provides holistic advice combining estate agency insights with mortgage expertise, particularly assisting local first-time buyers and home movers.
Louise Scrivener
Mortgage Adviser
Fully qualified CeMAP adviser in Dover with specialist knowledge of Kent property markets. Louise focuses on seamless transaction management, supporting clients through complex purchases and remortgaging processes with clear communication.
Damon Hoford
Mortgage Adviser
Experienced Canterbury-based adviser with 15+ years in mortgage broking. Damon specializes in portfolio management for property investors and complex remortgaging solutions, known for responsive service and detailed market knowledge across Kent and London.
Questions
What mortgage options exist for first-time buyers?
We offer 5% deposit schemes, government-backed Help-to-Buy, Shared Ownership, and family-assisted mortgages. Our advisers explain options clearly to match individual circumstances.
How can remortgaging save money?
We analyze when exit fees offset by lower rates, identify better deals before current terms end, and consider debt consolidation opportunities to reduce overall costs.
What protection cover do I need?
We assess life insurance, critical illness, and income protection needs to ensure mortgage payments remain covered during unemployment, health issues, or death.
Are buy-to-let mortgages different from residential?
Yes - they require larger deposits (15%+), consider rental income for affordability, and have different tax treatments. We explain investment risks and structuring options.
How does equity release work?
Homeowners over 55 can access tax-free cash while remaining in their property. We explain lifetime mortgage terms, interest accrual, and inheritance implications.
What areas do you cover?
We operate from Hatfield, St Albans, Cheshunt, Potters Bar, Abbots Langley (Hertfordshire), London, and Canterbury/Dover (Kent), serving clients nationwide.
Reviews (5)
Samantha Paterson
Jan 04, 2022
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This is the fourth time of using Coombes & Wright and definitely use them again Damon is amazing he helps us understand if we have any problems they do more than just help with your mortgage they stay in contact very easy to contact and very quick at getting the job done no messing about they make a remortgage so easy thank you so much for an amazing job again see you in two years x
Richard Pell
Jan 03, 2022
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As usual Damon Horford at Coombes and Wright delivered an outstanding service and another mortgage at a great rate. Having a small portfolio of properties it important to have a good mortgage adviser that knows our situation and provides a fast and efficient service. 10 out of 10
Trudie Jowett
Dec 23, 2021
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As a first time buyer James helped me understand the mortgage process and weigh up the best options for me! He found me a fantastic mortgage deal and was there to support me and answer any questions I had along the way. I definitely recommend his services if you're looking for someone who can find a great deal and make what can seem a daunting and overwhelming process, become very straightforward. Thanks James and Merry Christmas!
Jamie Weeks
Dec 17, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Great service from start to finish - James was super helpful and gave us the right level of guidance and support throughout the entire process. As we were first time buyers, this was even more important to us so a huge thanks to James and the team. Couldn't recommend them more.
Great service from start to finish - James was super helpful and gave us the right level of guidance and support throughout the entire process. As we were first time buyers, this was even more important to us so a huge thanks to James and the team. Couldn't recommend them more.
Oana Alexandra Petrescu
Dec 13, 2021
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We just got our mortgage sorted out by Mike. He is highly professional, very responsive to our questions, even if sometimes they were in the evening. Friendly and just a nice person to talk to. We are very happy with our "mortgage man" how he likes to call himself. Would definitely come back to him in the future. Highly recommended.
