Independent Mortgage Advice
in Gloucestershire
Independent mortgage advice for home movers, first-time buyers, remortgaging homeowners, and later-life borrowers across Gloucestershire and the surrounding areas.
We help you compare your options, understand the costs, and choose a mortgage that suits your needs.
Could we help you find a better mortgage deal?
With so many lenders, rates and product types to compare, finding the right mortgage can feel overwhelming. The wrong deal could cost you more than necessary in monthly payments, fees or interest.
At Heathcote Financial Planning, we provide independent mortgage advice tailored to your circumstances. We search across the market, explain your options clearly and help you choose a mortgage that suits your needs and budget.
ASK US FOR A COMPARABLE QUOTE TO SEE HOW MUCH YOU COULD SAVE COMPARED TO YOUR OWN RESEARCH
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Google review
★★★★★
Daniel
“I couldn’t have asked for a better experience with Steve. He was incredibly knowledgeable and made the whole mortgage process easy and stress-free…”
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Daniel
“I couldn’t have asked for a better experience with Steve. He was incredibly knowledgeable and made the whole mortgage process easy and stress-free…”
“I couldn’t have asked for a better experience with Steve. He was incredibly knowledgeable and made the whole mortgage process easy and stress-free. They found us a great deal and communicated quickly every step of the way. Highly recommended!”
Why seek professional independent mortgage advice
Going directly to a bank or building society means you will only see that lender’s own products. That could leave you overlooking more suitable options elsewhere in the market.
At Heathcote Financial Planning, we provide independent mortgage advice based on your circumstances, not a restricted panel. We compare options across the market, explain everything clearly and help you choose a mortgage that fits your needs, budget and future plans.
When one lender says no, there may still be other options available.
Our role is to make the process simpler, clearer and less stressful, so you can move forward with confidence.
Trustpilot review
★★★★★
Lisa
“One of the reasons I had been so reluctant to move house was the thought of endless emails, phone calls and interviews with banks and building societies…”
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Lisa
“One of the reasons I had been so reluctant to move house was the thought of endless emails, phone calls and interviews with banks and building societies…”
“One of the reasons I had been so reluctant to move house was the thought of endless emails, phone calls and interviews with banks and building societies. Also, fretting whether I was choosing the right deal or not. I wanted to move in to a bigger property with my partner and two children but was also reluctant to let go of my house as I wanted to keep it as security for my children, using the property as part of my retirement planning together with my pension as an additional asset.
After an initial meeting with Steve, he explained that my partner and I could keep our own properties and purchase a bigger one between us. Steve sorted everything and I now find myself in a beautiful home and better off financially; he even sorted landlord’s insurance on my existing home and joint life insurance.
It was pain free and straightforward and I would 100% recommend Steve to anyone who is dreading the paperwork and decision making. I am a very happy client.”
Our mortgage solutions
Whether you are buying your first home, moving, investing or reviewing your current deal, we can help you find a mortgage that suits your circumstances.
We can help with:
Residential mortgages – For buying or moving home, with clear advice and straightforward options.
Remortgaging – When your current deal is ending, your circumstances have changed, or you want to review your options.
First-time buyers – Guidance from affordability through to exchange and completion.
Buy-to-let mortgages – Support with investment property finance and landlord borrowing.
As independent advisers, we search across the market to help you find a suitable solution and explain your options in plain English.
Trustpilot review
★★★★★
Phil
“We secured the most suitable deal to meet our circumstances and will review these plans on a regular basis…”
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Phil
“We secured the most suitable deal to meet our circumstances and will review these plans on a regular basis…”
Professional financial support.
“Our objective when we approached our Independent Financial Adviser was to review our current arrangements with a view to moving to a larger property, raising funds on the existing, switching the loan to a buy-to-let, renting out for possible capital growth and an additional income stream — all of which, together with ISAs and pensions, will boost plans for a comfortable retirement.
We avoided early repayment charges by porting the existing mortgage to the new property, topping up with a further advance. We also made sure the rent on the let property would be sufficient to cover the buy-to-let lender’s criteria.
Our mission has now been accomplished and we’ve moved into the new place and let the existing property to good tenants — but have landlord’s insurance with rent protection and accidental damage just in case!
We secured the most suitable deal to meet our circumstances and will review these plans on a regular basis as the loans are repaid over the term.”
How we work
Your mortgage is likely to be one of your biggest financial commitments, so getting the right advice matters.
We start by understanding your circumstances, your goals and what you need from your mortgage. We then research suitable options, explain them clearly and recommend a way forward based on your needs.
Once you are ready to proceed, we support you through the application process, liaise with the lender and help keep everything moving from start to finish.
We are here to make the process as straightforward and stress-free as possible.
G
Google review
★★★★★
Reg
“Stephen was outstanding in supporting me through both my original mortgage and remortgage…”
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Reg
“Stephen was outstanding in supporting me through both my original mortgage and remortgage…”
“Stephen was outstanding in supporting me through both my original mortgage and remortgage. His expertise, guidance, and consistently proactive approach made each stage of the process feel clear and well-managed.
From the outset, Stephen took the time to explain my options and was always available to answer questions. His depth of knowledge was evident throughout, and he combined this with a forward-thinking view.
I would highly recommend Stephen and very much look forward to continuing to work with him in the future!”
Why choose Heathcote Financial Planning?
Working with us means having a chartered financial planner on your side, focused on helping you make well-informed mortgage decisions.
Independent advice – We are not limited to one lender or a restricted panel.
Clear recommendations – We explain your options in plain English, without unnecessary jargon.
Transparent fees – You will know what you are paying for and when.
Personal service – We take the time to understand your circumstances and support you throughout the process.
Ongoing relationship – We can review your mortgage as your circumstances change or your current deal comes to an end.
G
Google review
★★★★★
Andreea
“We was first time buyers and I can not describe how helpful was having such a good broker next to us…”
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Andreea
“We was first time buyers and I can not describe how helpful was having such a good broker next to us…”
Really professional team
“We was first time buyers and I can not describe how helpful was having such a good broker next to us. Steve was really understanding with our necessity and help us found the best mortgage deal on that time and also he prepared everything for us from mortgage, to solicitor, insurance, everything what was needed.
He is really professional on what he is doing, always keeping us in touch with the latest offers and he explained everything until we understood, he will make sure you won’t leave his office confused or unhappy. Definitely we will be back to him in future. Thank you, Steve!”
Getting started
Ready to explore your mortgage options? Book a consultation with Heathcote Financial Planning and we will talk through your plans, explain how we can help and outline the next steps clearly.
We will be upfront about costs, timescales and what is realistic for your circumstances, so you can move forward with confidence.
Frequently Asked Questions
Mortgage advice is about finding a suitable route through lender criteria, costs, paperwork, and timing. These FAQs cover how we help you compare options, reduce application risks, and keep your mortgage aligned with your wider plans.
Do I really need a mortgage broker, or can I just go directly to a bank?
Going direct shows you one lender’s products, and comparison sites can leave out specialist options.
With whole-of-market mortgage advice, we search across lenders, check the true cost — rate, fees, early repayment charges etc. — and package your application to fit lender criteria.
What types of mortgages can you help with?
We advise on first-time buyer mortgages, remortgages, home movers, buy-to-let, limited company buy-to-let, holiday lets, self-build/renovation, bridging, and commercial lending.
How do you reduce the risk of a mortgage application being declined?
We start with an interrogation into your income and expenditure, goals and ambitions, filtering out unsuitable solutions and focusing on suitable products to meet your ambitions.
Then we package the case properly — documents, explanations, and any tricky points addressed upfront — so the underwriter isn’t left guessing.
What does “whole-of-market” mortgage advice mean?
It means we’re not tied to one bank or a restricted panel.
Do you review my mortgage after completion?
Yes. We’ll keep an eye on key dates like the end of a fixed rate, review options when your circumstances change, and help you remortgage or adjust existing borrowing, including a further advance, when it makes sense.
How much does mortgage advice cost at Heathcote?
Fees depend on the complexity of the case and what support you need, but the key is clarity: we agree costs with you in advance and explain what’s included.
That might cover sourcing a lender, packaging and submission, managing underwriting queries, and guiding you to completion.