Simply Life and Mortgages Ltd

Mortgage and protection advice from Fleet, Hampshire

Simply Life and Mortgages Ltd is a mortgage and life insurance brokerage formed in November 2017. The firm operates from Centaur House in the Ancells Business Park in Fleet, Hampshire, and presents itself as an appointed representative of HL Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority. Its advisers are described as CeMAP-trained professionals who, according to the company, bring together more than 100 years of experience in the mortgage and protection marketplace.

Mortgage types and advice scope

The brokerage covers remortgages, new purchases and Buy to Let mortgages. It also advises on life insurance alongside mortgage arrangements. The firm states that it offers impartial advice on both mortgages and life insurance, and it frames its role around matching a scheme to the client's circumstances rather than simply finding a deal.

Within mortgage selection, the site lists the rate structures it compares: fixed rate, discounted rate, tracker rate, offset and capped rate. It explains that its "Live Time" sourcing systems allow each scheme to be compared like for like, with the stated aim of maximising savings.

Ongoing broker relationship and rate monitoring

One of the benefits the company highlights is that a broker will notify clients well in advance of a scheme maturing. This, it argues, helps borrowers avoid paying a full Standard Variable Rate (SVR) and supports savings on repayments. The firm also warns that failing to disclose or misrepresenting a fact can lead an insurer to pay only part of a claim, decline it entirely or declare a policy invalid.

Fees and regulatory status

The website indicates that there may be a fee for mortgage advice. The precise amount depends on individual circumstances and is agreed before proceeding; the company estimates it at £699. It also carries the standard warning that a home or property may be repossessed if repayments on a mortgage are not kept up. The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages, according to the notice on the site.

Company details and registered office

Simply Life and Mortgages Ltd is registered in England and Wales with company number 09490920. Its registered office is at The Stables, 23b Lenten Street, Alton, Hampshire, GU34 1HG. The office address given for the business is Centaur House, Ancells Business Park, Ancells Road, Fleet, Hampshire, GU51 2UJ. The site notes that guidance is subject to the UK regulatory regime and is primarily targeted at customers based in the UK.

Client feedback and contact

The company describes itself as "5 Star Rated" and directs visitors to its reviews via an external link, while noting that neither Simply Life and Mortgages Ltd nor HL Partnership Limited is responsible for the accuracy of information on linked sites. Enquiries can be made by telephone or email, and the site provides a callback request form that asks for name, email, phone and message, with an opt-in for marketing emails.