Business Details
14 Years
experience
Your Trusted Mortgage Brokers in St Austell
Cornwall Mortgages was established in 2012 with a commitment to delivering tailored mortgage and insurance solutions to clients across Cornwall. Our team of experienced advisers, including industry-qualified professionals with decades of combined expertise, specialises in guiding clients through every stage of their property journey. From first-time buyers to complex commercial cases, we prioritise clear communication and personalised service. Our compliance focus ensures adherence to regulatory standards while maintaining a client-centric approach. Active in local communities, we sponsor sports teams and engage in environmental initiatives.With a proven track record in mortgage advice and protection services, we aim to simplify the home-buying process while safeguarding clients' financial futures. Our office in St Austell serves as a hub for expert guidance, combining technical proficiency with genuine care for client needs. We maintain partnerships with major lenders and insurance providers to offer competitive, customised solutions. Transparency in pricing and ethical practices underpin our reputation as trusted advisors in the South West region.
Services
Mortgage Brokers
Insurance Advice
First Time Buyer Mortgages
Re-mortgage Services
Buy to Let Mortgages
New Build Mortgages
Affordable Housing Schemes
Self Build Mortgages
Equity Release
Commercial Mortgages
Details
- Year established: 2012
Highlights and features
- Established in 2012 with industry-qualified mortgage advisers
- Specialise in complex cases including SPVs and commercial mortgages
- Maintain FCA authorisation for regulatory compliance
- Offer local market knowledge across Cornwall
- Provide transparent pricing with no hidden fees
Associations and certifications
- Financial Conduct Authority
What people say
First class service
Friendly and professional
Sorted my remortgage
Made process easy
Highly recommended
Services
Mortgage Brokering
We connect clients with suitable mortgage products through our network of lenders. Our advisers assess financial circumstances to recommend optimal solutions. With access to exclusive deals, we negotiate competitive rates while ensuring regulatory compliance throughout the application process.
Insurance Advice
Our team provides tailored insurance solutions including life cover and income protection. We assess individual needs to recommend policies that safeguard against financial risks. With expertise in critical illness and family income benefits, we ensure comprehensive protection for clients' investments and loved ones.
First Time Buyer Mortgages
We specialise in guiding first-time buyers through government schemes and deposit requirements. Our advisers explain mortgage options clearly, assist with applications, and provide ongoing support. We help clients navigate Help to Buy initiatives and shared ownership arrangements across Cornwall.
Re-mortgage Services
We review existing mortgage arrangements to identify potential savings. Our team assists with switching lenders, releasing equity, or adjusting terms. We handle all paperwork and negotiations while explaining financial implications clearly to ensure informed decision-making.
Buy to Let Mortgages
We provide specialist advice for property investors seeking buy-to-let financing. Our services include portfolio management, tax-efficient structures, and landlord insurance. We help clients assess rental yields and secure competitive rates for both single properties and multiple investments across Cornwall.
People
Tom Crapp
Director / Mortgage & Insurance Adviser
Certified mortgage adviser since 2007 with over 15 years' experience. Founded Cornwall Mortgages in 2012, specialising in complex cases. Active in local sports sponsorship and community development.
Liz Bignell
Mortgage & Insurance Adviser
Qualified CeMAP adviser since 2016 with risk management background. Specialises in first-time buyer mortgages and protection products. Enjoys outdoor activities and coastal exploration in Cornwall.
Chirstie Perryman
Mortgage & Insurance Adviser
CeMAP qualified adviser with estate agency experience. Focuses on simplifying the home-buying process for clients. Balances work with family commitments and fitness activities.
Dani Molloy
Business Support Officer
Ten years' financial services experience including compliance roles. Joined Cornwall Mortgages in 2022 to support client journeys and regulatory processes.
Tina Jenkins
Business Support Officer
25+ years in financial services with compliance expertise. Former branch manager and trainer. Leads compliance operations while supporting client mortgage applications.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, buy-to-let, re-mortgages, new build properties, and commercial mortgages across Cornwall.
How do you help first-time buyers?
We provide tailored guidance through government schemes, deposit requirements, and mortgage applications with clear explanations of each step.
Are your services regulated?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA number 984577) for mortgage and insurance advice.
Do you offer insurance products?
We provide life insurance, critical illness cover, income protection, and property insurance to safeguard clients' investments and families.
What areas do you cover?
Based in St Austell, we serve clients across Cornwall including Truro, Falmouth, Penzance, and Newquay with local market expertise.
Reviews (2)
Phil Williams
Sep 28, 2021
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Positive:Professionalism,Responsiveness
Superb customer service. Tom is fantastic, highly recommended. Thank you.
Superb customer service. Tom is fantastic, highly recommended. Thank you.
Philip Barrett
Aug 21, 2021
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Chirstie has been dealing with my mortgage and has been amazing. Remote mortgage advice can't be easy but she has been more than helpful. Quick replies to emails and keeping me posted at every stage. Got me a great mortgage deal and although the purchase of the property has not yet completed, I have complete trust in her abilities and professionalism. Really would recommend.
