Heron Financial

Business Details

15 Years

experience

Your Trusted Mortgage Broker in Rickmansworth

Heron Financial was founded in 2011 by Matt Coulson and Warren Harrocks with a vision to revolutionise the mortgage industry through technology and ethical practices. As a certified B Corporation, we prioritise environmental and social responsibility alongside client satisfaction. Our team of experts provides free, fee-free advice across mortgages, protection, and insurance, leveraging cutting-edge technology to streamline processes. We operate seven days a week, offering personalised support and exclusive deals through our bespoke digital platform, Everglades. With over 18,000 trees planted for completed mortgages, we combine financial expertise with a commitment to sustainability.

Our apprenticeship programs and client-focused approach have earned thousands of positive reviews on Trustpilot and Google. We specialise in first-time buyer, buy-to-let, remortgage, and specialist mortgages, ensuring tailored solutions for every client. Our mission is to simplify mortgages while building lasting relationships that extend beyond financial transactions. Through responsible lobbying practices and adherence to human rights principles, we maintain transparency and integrity in all operations.

Services

Mortgage Brokers First Time Buyer Buy to Let Remortgage Specialist Mortgages

Details

Year established: 2011

Highlights and features

We offer 24/7 expert mortgage support and advice.
Our bespoke Everglades platform streamlines mortgage processes digitally.
We provide completely free mortgage advice with no upfront fees.
Our team includes specialists in first-time buyer, buy-to-let, and specialist mortgages.
We plant a tree for every mortgage completed as part of our B Corp commitment.

Associations and certifications

B Corp

What people say

Exceptional service Free expert advice 7-day support Bespoke solutions Technology-driven process

Website

Update Listing

Services

First Time Buyer Mortgages

We specialise in guiding first-time buyers through the mortgage process with expert advice and competitive rates. Our team helps clients understand affordability, deposit requirements, and government schemes. We offer access to exclusive deals and provide support from initial consultation to completion, ensuring a smooth journey into homeownership.

Buy to Let Mortgages

Our buy-to-let specialists help landlords navigate portfolio management and financing options. We provide tailored advice on limited company structures, tax efficiency, and portfolio mortgages. With access to exclusive lender products, we help investors maximise returns while managing risks associated with property investment.

Remortgage Services

We help homeowners secure better deals through remortgaging, whether for lower rates or home improvements. Our experts analyse market options to find optimal solutions. We handle the entire process, from initial assessment to completion, ensuring clients benefit from the most competitive rates available.

Specialist Mortgages

We provide tailored mortgage solutions for self-employed individuals and those with non-traditional income structures. Our specialists work with niche lenders to accommodate complex financial situations. We offer expert guidance on documentation requirements and help clients present their financial position effectively to lenders.

Mortgage Protection

We offer comprehensive protection packages including life insurance, critical illness cover, and income protection. Our advisors help clients choose appropriate coverage to safeguard their mortgages against unforeseen circumstances. We ensure clients understand policy terms and select products that align with their financial circumstances and family needs.

People

Matt Coulson

Co-Founder

With over 20 years' experience in the mortgage industry, Matt Coulson co-founded Heron Financial in 2011. He specialises in mortgage strategy and has built the company's reputation on ethical practices and technological innovation. Matt focuses on developing client relationships and mentoring apprentices within the organisation.

Richard Campo

Mortgage Director

Richard Campo leads our mortgage advisory team with 15+ years of expertise in buy-to-let and portfolio mortgages. He specialises in complex lending solutions and regularly contributes to industry discussions on property investment strategies. Richard ensures our advisors maintain the highest standards of professional knowledge and client service.

Questions

What types of mortgages do you offer?

We offer first-time buyer, buy-to-let, remortgage, and specialist mortgages for self-employed individuals and complex income situations.

Is your mortgage advice really free?

Yes, our initial consultation and ongoing mortgage advice are completely free, as we receive commission from lenders upon successful completion.

How do I start the mortgage process?

Contact us for a no-obligation consultation to discuss your requirements and receive tailored mortgage recommendations based on your circumstances.

Do you offer online mortgage management?

Yes, our Everglades platform allows clients to track mortgage progress, upload documents, and access account information securely online.

What makes Heron Financial different?

As a B Corp-certified broker, we combine ethical practices, technology-driven service, and free expert advice with a commitment to environmental sustainability.

Can I get mortgage help with bad credit?

We work with lenders who consider applications with credit issues, though this may affect available rates and require larger deposits.

Reviews (5)

Write a Review

Anup Bansal

Jan 19, 2022 Report

I was initially recommended by a family member to contact Heron Financial to deal with a remortgage against a property. Happy to say I was very glad I went with Heron! Megan had been great from the initial comms we had, she was also very patient with chasing me for information (sorry Megan!) From the fact find i was given a clear indication of borrowing and the financial implications. Any questions i had Megan was really quick to come back with a response either by email or phone call. I was initially concerned that the experienced would of been long winded but to my amazement its gone very smoothly

Enoch Mukeba

Nov 09, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
An excellent first class mortgage broker service you want to handle your mortgage needs. Had a very pleasant experience dealing with all of them. Thanks Sang, Megan, Lucy, Gemma, Casey for the fantastic advice and support throughout the whole mortgage process. I would strongly recommend Heron Financial. TOP OF THE LEAGUE.

Katherine Giachardi

Oct 31, 2021 Report

Megan and Lucy were a great support during our last house move. We had used Heron before and as previously they made our initial mortgage application easy. On top of this, this time they went the extra mile during an incredibly long and drawn out purchase process, staying patient and understanding throughout. They helped us work out alternative solutions and were really proactive staying on top of all the back and forth between solicitors and mortgage providers. Thanks!

Sarah Gibbons

Sep 24, 2021 Report

Aidan Broom has been fantastic. As a first time buyer I wasnt sure of a lot of the processes or details around getting a mortgage and Aidan has been so so helpful and guided me through everything. He is knowledgeable, friendly, responsive and been a complete gem through the whole process. I cant recommend Aidan and Heron enough. 5* service. Thank you.

David Davidian

Sep 13, 2021 Report

I have been with Heron since purchasing my first property and their service has always been professional and to the point.
Megan was recently very helpful in my remortgaging - by the time a friendly reminder was sent to a best deal mortgage bring accepted was a few days. Always appreciate the professionalism at Heron! Thanks!