One2One Mortgage Solutions

Whole-of-market mortgage advice from Cwmbran and Pontypool

One2One Mortgage Solutions Ltd is a mortgage and insurance broker working across the whole of the market, with access to more than 90 lenders according to the company. It was set up in 2012 by directors Mark Taylor and Niall James, both holders of the CeMAP qualification, and operates from offices in Cwmbran and Pontypool in South Wales. The firm presents itself as an alternative to going to the high street in person, bringing the advice to the client instead.

The company states that it does not charge a broker fee for its whole-of-market mortgage service. Its explanation is that brokers commonly earn commission from the lender once a mortgage completes, while some also add their own fees; One2One says it works on the lender commission alone and attaches no charge to its advice and assistance.

Mortgage and remortgage work

The residential mortgage service covers first-time buyers, home movers purchasing a property and existing owners looking to remortgage either to reduce costs or to raise money. Buy to Let is also among the cases the firm handles. The stated aim is to match each borrower's circumstances with a suitable product from the wider market rather than a single lender's range.

Insurance lines alongside the mortgage

Beyond mortgages, One2One describes itself as a whole-of-market insurance broker. The policies it advises on include:

• Buildings insurance, contents insurance or a combination of both, arranged through what the company calls its five-star Defaqto panel of insurers.
• Life insurance and critical illness cover, presented as protection for the mortgage, the family or the income.
• Income protection and home insurance within the broader insurance service.

How advice is delivered

Advisers are available to visit clients at home at a time that suits them, or to meet them at the office in Pontnewydd. The firm also highlights the administrative support provided throughout the mortgage process by its back-office staff, which it describes as dedicated and diligent. Appointments can be arranged by telephone or through the contact form on the website.

Client feedback and positioning

The site reproduces several client comments praising the clarity of communication, the explanation of products and terms, and the personal handling of cases, including a testimonial attributed to former Welsh international footballer Daniel Gabbidon.

Regulation and complaints

One2One Mortgage Solutions Limited is authorised and regulated by the Financial Conduct Authority and appears on the FCA financial services register under number 743054. The company notes that a mortgage is secured against the home or property and that repossession may follow if repayments are not maintained. It also states that the Financial Conduct Authority does not regulate Commercial Buy to Lets. A summary of its internal complaints handling procedure is available on request, and clients who cannot settle a complaint with the firm may be able to refer it to the Financial Ombudsman Service. The guidance on its website is subject to the UK regulatory regime and is primarily aimed at UK customers.

A related estate agency

In 2019 the same directors established One2One Estate Agents Ltd, prompted by mortgage clients asking how and with whom to sell their homes. That agency applies a single fixed selling fee to all clients regardless of property price, combines online portals with a physical high street office in Pontypool town centre, and operates a no sale, no fee policy. It is a separate business from the mortgage brokerage described here.