Home Me Mortgages

Whole-of-market mortgage advice from Marlow

Home Me Mortgages is a mortgage brokerage based in Marlow that presents itself as a whole-of-market adviser, meaning it is not tied to any single lender and searches deals from more than 90 lenders on its panel. The firm states that it has secured over £220 million in mortgages and helped more than 2,800 clients, and it cites over 25 years of combined experience among its team. It operates as Brokerco Limited T/A Home Me Mortgages, an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

The service model centres on a named adviser rather than a call centre: the company says clients deal with a specific person who handles the case and chases lenders, solicitors and estate agents on their behalf. It offers a free initial consultation and states that it replies within 60 minutes during working hours via WhatsApp, and within two working hours for callback requests.

Mortgage services covered

The firm's service list is organised around different borrower situations rather than a single product:

• First-time buyers: guidance on deposits from 5% and on government schemes, with a whole-of-market search for the best rate.
• Remortgaging: searching across lenders to reduce monthly payments or release equity, with the warning that borrowers should not simply move onto their lender's standard variable rate.
• Moving home: arranging a new mortgage for existing owners who are upsizing or relocating.
• Large mortgages: borrowing above £500,000, where the firm says it accesses private bank and specialist rates.
• Buy-to-let: rates for landlords, from single properties to portfolios, with knowledge of which lenders work with investors.
• Self-employed borrowers: sole traders, contractors and directors whose income may be undercounted by standard affordability calculators.
• Bad credit: cases involving defaults, CCJs or missed payments, which the firm says do not automatically rule out a mortgage because specialist lenders look at the full picture.
• Protection: life insurance, critical illness cover and income protection structured around the mortgage and family circumstances.

How the process works

The company describes a four-stage journey. It begins with a free consultation covering income, deposit, credit history and objectives, after which the adviser indicates where the client stands. The second stage is a market search comparing deals from the lender panel, including exclusive rates, followed by a recommendation. The third stage involves managing the application and chasing solicitors to keep the transaction on track. The final stage is completion, after which the firm says it stays in touch for renewal.

Online tools and calculators

The website provides free calculators for mortgage affordability, monthly payments and stamp duty, intended for users who want to estimate borrowing or costs before speaking to an adviser. It also publishes a blog and a team page.

Local presence and community involvement

Home Me Mortgages advises clients across Berkshire, Buckinghamshire and Oxfordshire, and its area pages name Marlow, Maidenhead, High Wycombe, Windsor, Reading and Oxford. The firm also states that it supports grassroots football in the region, citing partnerships with Wycombe Wanderers, Maidenhead United, Caversham United and Windsor & Eton FC.

Fees and regulatory status

The site states that there are no upfront fees and that the initial consultation is free. It also discloses that a fee may apply for arranging a mortgage, typically £499, with the precise amount depending on circumstances and the type of transaction. Brokerco Limited T/A Home Me Mortgages is an appointed representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority, with registered company number 13544645 and FCA registration number 961207, registered in England and Wales. The registered office is at Jubilee House, Globe Business Park, Third Ave, Marlow SL7 1EY.

Client feedback highlighted on the site

The website displays a five-star Google rating and quotes several client testimonials, including first-time buyers in Maidenhead who mention a 5% deposit and £3,200 saved in fees, a remortgage case in Windsor said to have saved £280 per month and released equity for an extension, and a self-employed contractor in Marlow who had been turned down twice before. These are individual accounts presented by the company rather than an independent audit.