Business Details
15 Years
experience
Your Trusted Mortgage Advisers in Milton Keynes
Established in 2011, Mortgage Light has built a reputation as a trusted mortgage advisory firm serving clients across the UK. Founded by Director Siobhan Holbrook, our expertise stems from over a decade of experience in property and finance, enabling us to offer tailored mortgage solutions. We pride ourselves on combining deep industry knowledge with a client-centric approach, ensuring transparent, jargon-free advice.Recognised by leading lenders and industry bodies, we advocate for clients at every stage of their property journey. Our team's commitment to continuous learning and innovative service delivery, including social media engagement for accessible guidance, positions us as strategic partners in our clients' financial success.
Services
First Time Buyers
Homemovers
Shared Ownership
Remortgages
Buy To Let
Commercial Mortgages
Self Employed
Bad Credit
Green Mortgages
Low Deposit
Details
- Year established: 2011
Highlights and features
- Free mortgage consultation with our welcoming team
- Covering the whole of the UK
- Personalised mortgage & protection services
- Access to the whole mortgage market
- Specialist buy-to-let and shared ownership expertise
Associations and certifications
- Financial Conduct Authority
What people say
No jargon
Seamless process
Fantastic team
Exceptional support
Long-term relationships
Services
First Time Buyers
We specialise in guiding first-time buyers through the mortgage process with clear, jargon-free advice. Our experts help clients understand affordability, secure decisions in principle, and navigate property purchases. With access to specialist schemes and lenders offering 95% LTV mortgages, we make homeownership accessible even with small deposits.
Remortgages
Our dedicated remortgage team helps clients secure better rates and release equity. We review existing deals, assess changing financial circumstances, and negotiate with lenders to find optimal solutions. Whether extending mortgages or switching providers, we ensure seamless transitions while maintaining protection coverage.
Buy To Let
We provide tailored buy-to-let mortgages for property investors. Our specialists understand rental income assessment, limited company structures, and portfolio management. With access to specialist lenders, we help investors secure competitive rates and navigate complex tax considerations for both traditional and alternative finance options.
Shared Ownership
As industry specialists, we help clients purchase shares in properties with flexible payment options. Our expertise enables clients to buy between 30-50% shares while renting the remaining portion, with pathways to full ownership. We work with housing associations and specialist lenders to secure favourable terms.
Bad Credit
We help clients with imperfect credit histories secure mortgages through specialist lenders. Our brokers assess individual circumstances, including defaults and county court judgments, to find suitable options. By presenting comprehensive cases to understanding lenders, we've successfully arranged mortgages for clients with complex financial pasts.
People
Siobhan Holbrook
Owner & Director
With over 20 years' experience in property and finance, Siobhan founded Mortgage Light in 2011. Her background in new-build sales informs our strategic approach to mortgage solutions. She leads industry engagement, shaping mortgage product development through regular lender consultations.
James Carr
Senior Mortgage & Protection Consultant
James specialises in complex mortgage cases, particularly for self-employed clients and those with non-traditional income streams. His expertise in navigating lender criteria helps clients secure mortgages others might decline, focusing on long-term financial planning.
Daniel Hopper
Senior Mortgage & Protection Consultant
Daniel brings extensive protection insurance expertise to our team. He ensures clients' mortgage arrangements include appropriate life cover and income protection, creating comprehensive financial safety nets tailored to individual circumstances.
Natasha Daley
Senior Mortgage & Protection Consultant
Natasha focuses on first-time buyer mortgages and shared ownership schemes. Her approach combines affordability analysis with long-term financial planning, helping clients understand their options and make informed property decisions.
Dumitru Marocico
Commercial Mortgage Consultant
Dumitru specialises in commercial finance solutions, assisting businesses with premises purchases and development projects. His expertise covers bridging loans and commercial property investments, providing tailored funding solutions for growing enterprises.
Questions
What is a mortgage broker?
A mortgage broker helps you secure the right mortgage by understanding your personal circumstances and matching you with suitable lenders. We present your case to banks and building societies to find options tailored to your specific needs.
Why use a mortgage broker?
With over 25,000 mortgage products available, brokers help navigate complex criteria. We find lenders that value your income structure, property type, and credit history to secure better borrowing terms than you might find independently.
Can I visit your office?
Yes, we welcome local Milton Keynes clients to our monthly drop-in clinics (first Thursday 5-7pm) for informal face-to-face consultations with mortgage brokers about your specific requirements.
What mortgage fees apply?
Our fees are typically £495 for residential purchases and £595 for buy-to-let, agreed before your Decision in Principle. We provide full cost transparency upfront with no hidden charges.
Do you offer protection services?
Yes, we arrange life insurance, critical illness cover, income protection, and other assurance products to protect your mortgage investment and family financial security.
How do I start the mortgage process?
Contact us via phone, email, or our website form to discuss your requirements. We'll schedule a consultation to understand your goals and guide you through suitable mortgage options.
