Mortgages, actually simple.Let’s cut through the noise.
I provide straight-talking mortgage advice across Somerset, Dorset, and Devon - making the complex feel simple. No lectures, no jargon, and no judgment on the 'silly' questions. Just clear options and honest guidance without the pressure.
My approach
I got tired of the old way of doing business and built a system that makes life easier for both of us. You fill things in once, everything stays in one thread, and once you have tried it, going back rarely feels worth it.
Mortgage Solutions
Navigate through clear, practical mortgage guidance - from first‑time buying to specialist lending.
Why Choose My Mortgage Service
Over a decade helping South West clients secure the right mortgage
Whole‑of‑market access
I'm completely independent - not tied to any lender. I search the UK mortgage market, comparing products from high‑street banks, building societies and specialist lenders to find options that fit your circumstances and goals.
Complete independence
Unlike restricted Advisers who can only recommend from a limited panel, I can consider products from across the market, helping you find competitive rates and suitable features for how you actually live and borrow.
10+ years' experience
I've spent more than a decade helping people secure mortgages across Somerset, Dorset and Devon - through rate changes, policy shifts and different market cycles. I understand how lenders think and what they look for.
FCA regulated
I'm fully authorised and regulated by the Financial Conduct Authority, giving you the protections that come with UK financial regulation. Your interests come first, always.
What clients say
Rated 5.0 from 73 reviews
"From sourcing re-mortgage offers to securing a Mortgage for the new purchase, reading through offers/contracts/paperwork with us to ensure we didn’t miss anything. Expertise, honesty, and transparency was second to none!"- Esther
"Michael came to our house in Yeovil and gave us excellent advice on our upcoming remortgage, and future finance questions. On time, polite and to the point."- Mike Nicholson
"Quick to find me a mortgage due to rentals not accepting dogs... One phone call and Michael was quick to find me a mortgage. Would recommend for anyone especially first time buyers."- Aisha Venus
"Michael was extremely helpful with my remortgage, always responded to questions quickly, helped me understand the whole process and was very supportive during a very stressful time."- Laura Lancaster
Mortgage resources
Expert guides and tools to help you make informed decisions:
Mortgage knowledge hub
Honest answers to common mortgage questions.
How much deposit do I need?
Typically 5% minimum. Larger deposits (10-25%) unlock better interest rates. First-time buyers can access government schemes that may reduce deposit requirements.
What credit score do I need?
There's no single minimum score. Lenders assess your whole history alongside income and deposit. Specialist lenders can help if you've had credit issues.
Should I fix my mortgage rate?
Fixed-rates provide payment certainty (typically 2-10 years), protecting you from market rises. I'll help you weigh security against flexibility.
Can I get a mortgage if self-employed?
Yes! Lenders typically need 2-3 years, but some accept 1 year. I match you with lenders who understand business owner income.
Will you deal with the paperwork?
I handle the application paperwork and keep you updated, while you remain in control of the key decisions.
How long does approval take?
In principle takes a few hours. Full approval usually 2-4 weeks, depending on lender and valuation.
Important notice
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.
Ready to take the next step?
Whether you're arranging a mortgage, protecting your family, or planning for the future, I'm here to help you make clear, confident decisions.