Business Details
35 Years
experience
Trusted Mortgage Brokers in Leicester
Heritage Estates is a mortgage brokerage firm based in Oadby, Leicester, dedicated to providing tailored mortgage and insurance solutions. With over 15 years of experience in financial services, our team specialises in residential and buy-to-let mortgages, catering to first-time buyers, company directors, self-employed individuals, and those with unique financial circumstances. We prioritise saving clients time and money by identifying lenders aligned with their specific needs, offering transparent guidance throughout the mortgage process.Our CeMAP-trained professionals ensure comprehensive market analysis, while our commitment to building strong client relationships underpins our approach to finding optimal financial solutions. As an appointed representative of Quilter Mortgage Planning Limited, we operate under the regulatory oversight of the Financial Conduct Authority for applicable services.
Services
Residential Mortgages
Buy-To-Let Mortgages
First Time Buyers
Remortgages
Self Employed Mortgages
Company Directors Mortgages
Insurance & Protection
Details
- Year established: 1991
Highlights and features
- We have over 15 years of experience in mortgage advisory services.
- Our team includes CeMAP-trained professionals with comprehensive market knowledge.
- We specialise in mortgages for self-employed individuals and company directors.
- We operate under FCA regulation for applicable mortgage services.
- We offer free no-obligation initial consultations for all clients.
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
We provide residential mortgage solutions for homebuyers at all life stages. Our CeMAP-trained advisers assess your financial situation to identify competitive mortgage products from a wide range of lenders. We offer comprehensive guidance on affordability, repayment options, and lifetime costs to ensure informed decision-making.
Buy-To-Let Mortgages
Specialist buy-to-let mortgage services for property investors. We connect clients with lenders offering competitive rates for rental property acquisitions. Our team provides detailed analysis of investment viability, cash flow projections, and regulatory considerations for both regulated and unregulated mortgage products.
Self Employed Mortgages
Tailored mortgage solutions for self-employed individuals and company directors. We work with lenders that accept 1-year accounts and accommodate unusual income streams. Our advisers specialise in navigating complex financial documentation to secure mortgage approval for non-standard income situations.
First Time Buyers
Comprehensive support for first-time property purchasers. We explain mortgage options, calculate affordability, and guide clients through deposit requirements. Our service includes step-by-step assistance with application processes and lender selection to simplify the homebuying journey.
Insurance & Protection
We offer mortgage protection and general insurance products including life cover, critical illness cover, and income protection. Our advisers assess individual needs to recommend appropriate coverage levels that align with mortgage commitments and personal circumstances.
People
Julia Towarianskyj
Mortgage & Insurance Adviser
With over 15 years in financial services, Julia specialises in residential and buy-to-let mortgages. As a CeMAP-trained professional, she provides expert guidance on mortgage protection insurance and tailored solutions for diverse client needs.
Questions
What mortgage types do you offer?
We offer residential mortgages, buy-to-let mortgages, first-time buyer mortgages, remortgages, and specialist products for self-employed individuals and company directors.
Are your mortgage services regulated?
Our residential mortgage services are regulated by the Financial Conduct Authority. Some buy-to-let and commercial mortgages are unregulated and available by referral.
Do you help self-employed applicants?
Yes, we specialise in mortgages for self-employed individuals and company directors, including those with 1-year accounts or unusual income streams.
What insurance products do you provide?
We offer life cover, critical illness cover, income protection, and other mortgage protection insurance products tailored to individual circumstances.
How do you charge for your services?
We provide free initial consultations. Our fee structure varies by service type and is fully disclosed before proceeding with any mortgage or insurance application.
Can you help with mortgage affordability assessments?
Yes, we perform detailed affordability calculations showing monthly payments and lifetime costs before any mortgage application is submitted.
