Thickbroom Mortgages

Mortgage and protection advice in Norwich, Essex, Hertfordshire and London

Thickbroom Mortgages is a mortgage and protection advice firm operating in Norwich, Essex, Hertfordshire and London. The company presents itself as specialising in self-employed clients and in cases involving complex or non-standard incomes, and states that it has more than 50 years of accumulated experience in the sector. Its approach is focused on simplifying the mortgage process, even when the applicant's circumstances are not straightforward.

The firm works with a wide range of lenders so that it can advise on the most competitive rates and flexible mortgage options. As well as the residential market, it covers first-time buyer purchases, buy-to-let investment, second homes and remortgage transactions.

Mortgage advice services

The service offering includes advice on and processing of residential mortgages, buy-to-let mortgages, financing for second homes and holiday lets, and remortgage transactions. The company also advises on financing for home-building projects, as illustrated by Antony's case, which focused on building the family home for the next 30 years in the most tax-efficient way possible without disrupting the household's cash flow.

Documented cases include buy-to-let portfolio planning, the remortgage of a second home with unsecured debts consolidated into a more manageable repayment structure, residential property financing and a first-time buyer purchase.

Specialisation in self-employed clients and complex incomes

The firm presents itself as a specialist in self-employed applicants and those with non-standard incomes. According to its own description, it knows how to present each case to lenders to maximise the chances of approval. It also works with lenders who consider applications from people with adverse credit histories, assessing the situation and guiding clients on the options available.

Personal and business protection

As well as mortgage advice, Thickbroom Mortgages offers personal and business protection solutions. On the business side, it advises on life cover for directors and key employees, income protection and shareholder insurance. On the personal side, protection is focused on safeguarding the things that matter most to the client.

Advisory team

The firm has two partners and mortgage and protection consultants. Laura Rathbone stands out for her attention to detail and a bespoke, concierge-style service, supporting clients from the first point of contact all the way through to completion. Her ability to navigate complex income streams makes her a go-to for self-employed clients and those with non-traditional incomes. Steve Measures brings decades of experience in mortgage brokering and financial advice; his methodical style and market knowledge allow him to provide clear guidance even in the most complex cases, with experience spanning residential mortgages, buy-to-let and protection services.

Process and fees

The company offers an initial free consultation to determine whether it can help the client. Once instructed, it charges a standard fee of £250 and a further £245 once the mortgage offer has been issued. The firm states that these figures may vary depending on circumstances and the work required, and that the fee is clearly stated before work begins.

Representative cases

Published cases include Ray, who was looking to remortgage a second home and consolidate unsecured debts with high repayments into a more manageable repayment structure; Nadine, who wanted to build a buy-to-let portfolio to supplement her monthly income and invest in long-term capital growth; Antony, focused on financing the construction of his family home in a tax-efficient way; and John, a first-time buyer looking to build equity without the complexity of the mortgage market.