Business Details
17 Years
experience
Expert Mortgage Advisers in Grimsby
We are a local mortgage brokerage firm established in Grimsby, dedicated to providing unbiased mortgage advice tailored to individual client needs. With over two decades of combined experience in financial services, our team of fully qualified mortgage advisers holds the Certificate in Mortgage Advice and Practice (CeMAP), ensuring professional expertise in navigating the complex mortgage market. We work closely with more than 50 lenders, including major institutions like Santander and Nationwide, offering access to exclusive mortgage products unavailable through high-street banks. Our fee structure includes a 99 - 150 application fee and 300 completion fee, with flexible payment options designed to accommodate client circumstances. We prioritise face-to-face consultations in clients' homes or workplaces, including evening and Saturday appointments, to provide personalised service.Our regulatory compliance is maintained through our status as an Appointed Representative of The Right Mortgage Ltd, authorised by the Financial Conduct Authority. We specialise in assisting first-time buyers, remortgaging clients, and buy-to-let investors, including those with adverse credit histories. Our partnerships with specialist lenders and local conveyancing firms ensure comprehensive support throughout the mortgage process. We maintain transparency in all dealings, explicitly stating that properties may be repossessed for missed repayments. Our deep local knowledge of Grimsby and Cleethorpes, combined with our commitment to jargon-free communication, has fostered client trust through referrals.
Services
First Time Buyer Mortgages
Remortgages
Buy To Let Mortgages
Let To Buy Mortgages
Bad Credit Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Home Insurance
Landlords Insurance
Details
- Year established: 2009
Highlights and features
- We have over 20 years of experience in mortgage advising
- Our team holds the Certificate in Mortgage Advice and Practice (CeMAP)
- We work with 50+ mortgage lenders including Santander and Nationwide
- We offer flexible face-to-face consultations in your home or office
- We provide specialist support for clients with adverse credit histories
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time buyers navigating property purchase. We provide comprehensive guidance through 50+ lender options, including exclusive products unavailable on the high street. Our CeMAP-qualified advisers help clients understand eligibility criteria, deposit requirements, and government schemes to secure optimal mortgage terms.
Buy To Let Mortgages
Tailored financing solutions for property investors seeking buy-to-let opportunities. We connect clients with specialist lenders offering competitive rates for residential and commercial investment properties. Our service includes cashflow analysis, yield calculations, and portfolio structuring advice to maximise investment returns.
Remortgages
Expert guidance for homeowners seeking better mortgage terms through remortgaging. We analyse existing mortgage agreements, assess equity positions, and negotiate with lenders to secure improved interest rates or release capital for home improvements or debt consolidation purposes.
Adverse Credit Mortgages
Specialist mortgage arrangements for clients with credit challenges. We work with dedicated lenders using manual underwriting processes to consider applications beyond automated credit scoring systems, focusing on individual circumstances and repayment capacity.
Life Insurance
Protective financial solutions providing security for dependants in the event of death. We offer independent comparisons across multiple insurers to find policies matching clients' family circumstances, mortgage requirements, and long-term financial planning needs.
People
Alan Young
Managing Director / Mortgage & Insurance Broker
With over 20 years in financial services, Alan established Personal Touch Mortgages after roles at Co-operative Insurance and Alliance & Leicester. He specialises in local market mortgage solutions, prioritising face-to-face client relationships and practical advice.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgages, buy-to-let mortgages, and adverse credit mortgages through our network of 50+ lenders.
Are your mortgage advisers qualified?
All our mortgage advisers hold the Certificate in Mortgage Advice and Practice (CeMAP) and operate under FCA-regulated processes.
What fees do you charge?
We charge a £99–£150 application fee and £300 completion fee, with transparent pricing discussed during your initial consultation.
Do you offer flexible appointment times?
Yes, we offer evening and Saturday appointments with face-to-face consultations available at your home or workplace.
Can you help with insurance products?
We provide independent quotations for life insurance, critical illness cover, income protection, and property insurance policies.
Reviews (5)
Jake Jarratt
Dec 12, 2018
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I took out a mortgage with Emma in June this year. Emma is very knowledgeable and gives great advice about the products available. She really helps you get the best deal and best price on your mortgage. Emma is very proactive keeping me informed every step of the way. If i had a question she was very quick to respond to me. Even after I had got the mortgage she still kept in contact to make sure i was still happy with everything. I would highly recommend Emma to anyone looking at getting a mortgage. Thank you very much Emma
Aaron Robinson
Dec 08, 2018
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We've chosen to use Jason for the second time due to the phenomenal expertise, advise and support we were given the first time around. Not only has Jason found us a great deal on life insurance, we know that he will go above and beyond to ensure he finds us the best possible mortgage deal as well. We couldn't ask for anyone more professional, polite and trustworthy. We have already recommended him and will continue to do so. At a time when buying/selling can be stressful, Jason certainly helps make the process easier.
Helen Glew
Oct 31, 2018
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Jason Whiteley has arranged mortgages for my husband and I over the past few years when moving house, letting out our previous home and again when we remortgaged. He is experienced and knowledgeable, approachable and professional. I wouldn't hesitate to recommend him.
Amy Potts
May 29, 2018
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Alan provided myself and my partner with excellent advice when we sought his expertise to help us buy our first home. It wasn't an easy process and we didn't know if we would be able to find a mortgage or not after being unsuccessful on our own, but Alan found us one quickly, and assisted with the legal side of things when they weren't proceeding quickly enough. Would recommend Alan to my family and friends without hesisation and when it is time for us to move to a mainstream lender, we will be sure to give him a call! Thanks, Amy
Jo Smedley
Dec 29, 2017
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Recently my husband and I asked Alan to remortgage our house in order to finance an extension and consolidate some debts.
Ignoring the fact, that he managed to negotiate a deal for us to borrow a further 20,000 without actually spending any more money (which was astounding in itself!) I wanted to write and say how much we appreciated his clear, and understandable explanation of our remortgage, his availability to meet us at a time of our convenience, and his diligence in following our mortgage through to completion.
Alan made the entire process painless and hassle-free. Everything was easy
Ignoring the fact, that he managed to negotiate a deal for us to borrow a further 20,000 without actually spending any more money (which was astounding in itself!) I wanted to write and say how much we appreciated his clear, and understandable explanation of our remortgage, his availability to meet us at a time of our convenience, and his diligence in following our mortgage through to completion.
Alan made the entire process painless and hassle-free. Everything was easy
