Lonsdale Mortgages

Business Details

Your Trusted Mortgage Brokers in St Albans & Lichfield

Lonsdale Mortgages is a trusted mortgage broking firm with experienced advisers in St Albans and Lichfield. We specialise in providing tailored mortgage and protection advice to first-time buyers, home movers, buy-to-let investors, and those seeking remortgage solutions. Our team prioritises transparency, offering fixed upfront fees and no hidden costs while guiding clients through the entire mortgage process. With a strong commitment to customer care, we have built long-term relationships with clients across Hertfordshire, London, and the West Midlands. Our advisers are supported by Lonsdale Services Limited, a firm authorised and regulated by the Financial Conduct Authority, ensuring compliance with industry standards.

We pride ourselves on delivering exceptional service, as evidenced by our 5-star Google rating and numerous client testimonials. Our expertise extends to supporting vulnerable clients, for which we received the Best Adviser Firm for Vulnerable Client Care award in 2021. By combining local knowledge with national regulatory compliance, we help clients secure competitive mortgage rates and suitable insurance products. Our dedication to integrity and reliability has earned us recognition in the FT Adviser Top 100 UK Financial Advisers in 2022. Whether you require advice on a first-time purchase, property investment, or protection planning, our team is committed to saving you time and money through personalised solutions.

Services

First Time Buyer Mortgages Moving Home Mortgages Remortgage Buy to Let Mortgages Protection Planning

Highlights and features

Our mortgage brokers have decades of combined experience in mortgage and protection advice.
We offer transparent fixed fees with no hidden costs or surprises.
Our team provides tailored solutions for first-time buyers, investors, and remortgagers.
Award-winning support for vulnerable clients, ensuring ethical and empathetic service.
We maintain a 5-star Google rating through consistent, high-quality customer service.

Associations and certifications

Financial Conduct Authority

What people say

Outstanding customer service Fantastic and helpful Seamless transaction Excellent service Professional manner

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 brokers help clients understand affordability, secure deposits, and navigate government schemes. By offering tailored solutions and clear communication, we ensure a stress-free experience for those purchasing their first home.

Buy to Let Mortgages

Our buy-to-let specialists provide strategic advice for property investors seeking rental income or portfolio growth. We connect clients with lenders offering competitive terms for landlords, while explaining tax implications and market trends. Personalised guidance ensures investors make informed decisions aligned with their financial goals.

Remortgage

We help homeowners reduce monthly payments, release equity, or switch to better terms through remortgaging. Our brokers analyse current deals, assess eligibility, and negotiate with lenders to secure optimal refinancing options. This service ensures clients maximise savings and adapt to changing financial circumstances.

Protection Planning

Our protection services include life insurance, critical illness cover, and income protection to safeguard clients' financial security. We review market options to find policies matching individual needs, ensuring families remain protected against unforeseen circumstances while maintaining mortgage affordability.

Moving Home Mortgages

We streamline the process of purchasing a new home while selling an existing property. Our brokers coordinate timelines, assess borrowing capacity, and secure competitive rates to facilitate smooth transitions. This service addresses unique challenges faced by clients upgrading or relocating their primary residence.

People

Amy Kadir

Mortgage Broker, St Albans

Amy Kadir combines expertise with exceptional client service, offering tailored mortgage solutions. She maintains prompt communication and thorough explanations, ensuring clients feel confident throughout the process. Her dedication has earned numerous client recommendations.

Joe Wicks

Mortgage Broker, St Albans

Joe Wicks provides comprehensive mortgage advice with a focus on client needs. His approachable nature and attention to detail help clients navigate complex decisions. He consistently receives praise for responsiveness and problem-solving abilities.

Hayley Croft

Mortgage Broker, Lichfield

Hayley Croft specialises in first-time buyer mortgages, offering patient guidance and market insights. Her supportive approach helps clients overcome initial purchase challenges. She frequently works with clients across Staffordshire and the West Midlands.

Sue Sykes

Mortgage Administrator, St Albans

Sue Sykes ensures efficient processing of mortgage applications, maintaining clear communication between clients and lenders. Her organisational skills contribute to the team's reputation for timely completions and exceptional service standards.

Questions

What mortgage types do you specialise in?

We specialise in first-time buyer, buy-to-let, remortgage, and moving home mortgages, offering tailored solutions for each client's unique circumstances.

How do you charge for mortgage advice?

We agree fixed upfront fees on a case-by-case basis, ensuring complete transparency with no hidden costs or unexpected charges during the process.

Can you help with protection insurance?

Yes, we provide life insurance, critical illness cover, and income protection advice to ensure your mortgage remains secure against unforeseen circumstances.

Are your services available outside St Albans?

Our brokers serve clients across Hertfordshire, London, West Midlands, and surrounding areas, offering both in-office consultations and remote support.

How do you support first-time buyers?

We provide dedicated guidance on affordability, deposit requirements, and government schemes, ensuring first-time buyers understand every step of the mortgage process.

What qualifications do your brokers hold?

Our mortgage brokers are qualified professionals regulated by the Financial Conduct Authority, maintaining ongoing training to stay current with market changes and compliance requirements.

Reviews (4)

Write a Review

Beverley Schuuring-Chin

Nov 21, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
This was our first experience with a mortgage broker - we should've come to you sooner! Amy looked after us and our needs, saved us money and significantly reduced the stress with sorting our next mortgage. I'm definitely recommending you to all my friends and family, thank you!

Andy Sykes

Sep 19, 2021 Report

Superb initial advice and service from Amy, who spent a lot of time understanding my needs to make the appropriate recommendation on my mortgage. And Sue's follow-up was similarly superb, proactive throughout in pushing the purchase through, and taking advantage of every favourable rate change to ensure I was getting the best deal possible. Can't recommend highly enough !

Tim Fraser-Hook

Jun 13, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Amy and Sue were outstanding. Highly recommend. Never fail to quickly respond to mails and calls, nothing is too much trouble. They're consistently great too having used them for a while now! Great customer service and experience.

Tracy Houldsworth

Apr 13, 2021 Report

Oliver was so professional and efficient my remortgage went through without a hitch.
Oliver found a suitable mortgage promptly and communicated each step of the way. Wouldnt hesitate to recommend.