Yellow Brick Mortgages

Yellow Brick Mortgages, independent mortgage brokerage in Norwich

Yellow Brick Mortgages is an independently owned mortgage brokerage based in Norwich (Norfolk, United Kingdom). Its activity focuses on advising on first-charge mortgages using the whole market, that is, comparing options across different lenders rather than being limited to a single provider. The firm presents itself as a service that supports the client throughout the entire process and maintains contact channels available 24 hours a day.

The company operates under the name Yellow Brick Mortgages Limited, is registered in England and Wales with company number 11135114 and appears on the Financial Conduct Authority (FCA) register with firm number 798206. It acts as an appointed representative of The Openwork Partnership, a trading name of Openwork Limited, an entity authorised and regulated by the FCA. Its activity is aimed at consumers in the United Kingdom.

Mortgage advice areas

The firm's service catalogue covers both home purchases and refinancing and property investment. Among the types it details are:

• Mortgages for first-time buyers, including joint variants, with friends, with parents, with a guarantor, with a gifted deposit, for new builds and with multiple applicants (three or four people).
• Mortgages for those moving home and for buying directly from the landlord.
• Buy to let mortgages, aimed at both first-time landlords and portfolio investors, including the self-employed landlord option, buy to let remortgage, top slicing and mortgages for houses in multiple occupation (HMO).
• Remortgage and associated advice: for home improvements, debt consolidation, paying off the Help to Buy loan, product transfer, new build, second home, unencumbered properties, equity release, buying out a partner's share and remortgage through a limited company.
• Specialist mortgages for specific professional profiles: NHS staff, doctors, police officers and teachers.
• Mortgages for self-employed workers, sole traders and contractors, with scenarios such as one year's accounts, limited company directors on PAYE salary, LLP partners, freelancers, fixed-term contracts, zero-hours contracts and temporary contracts.
• High net worth and million-pound mortgages, let to buy, holiday let, commercial finance, equity release for older borrowers, new build and self build.

Services complementing the mortgage

Alongside mortgage advice, the firm offers a set of services related to the property transaction and financial planning. These include asset finance, home finding, selling your home, conveyancing services, surveys or technical reports, lettings, removals and storage, will writing, estate planning and foreign currency transfers. It also provides cleaning and protection services, with products such as mortgage protection insurance, life insurance tailored to diabetes and multiple sclerosis, and financial planning with self-employed pensions and combining pensions.

Team and structure

The company presents itself under the idea of a "Yellow Brick family" and details the profiles of several of its principals. Greg Marcham (CeMAP) appears as managing director, principal and founder; Stephen Perkins (BSc Hons, CeMAP) as managing director, principal and founder; Adam Beecher (CeMAP) as associate director and senior mortgage and protection consultant; and Mark Swaby (FPC, CeMAP Bridge) as associate director and finance partner. The firm states that it has more advisers in addition to those mentioned.

Recognition and public presence

The site shows a rating of 5.0 out of 5 on Trustpilot based on more than 7,000 reviews, according to the data published by the company itself. It also notes that it has appeared in media such as Sky News, The Times, Financial Times, The Telegraph, The Guardian, MoneyWeek, This is Money, Daily Express and Daily Mirror. The firm also mentions its link with Norwich City Football Club (NCFC) and an environmental tree-planting initiative, with 21,461 trees planted according to the counter shown on the website.

Presence and contact

Yellow Brick Mortgages operates from several locations in the United Kingdom: its registered office in Norwich, an office in Ashford and a premises in Queens Hills, also in Norwich. The company states that it can be contacted 24 hours a day and offers a contact form on its website for general enquiries.

Offices and premises

Main Office: 201 Plumstead Road, Norwich, NR1 4AB

Ashford Office: Suite 2038, Letraset Building, Wotton Road, Ashford, TN23 6LN

Queens Hills Office: Unit 3, Vision Park, Queens Hills, Norwich, NR8 5HD