Business Details
30 Years
experience
Expert Mortgage Brokers in Sawbridgeworth
A G A Mortgages, established in Hertfordshire and Essex, has over two decades of expertise in mortgage and financial services. Our team of qualified professionals provides tailored advice on a wide range of mortgage products, including first-time buyer schemes, buy-to-let, adverse credit solutions, and later-life lending. As an appointed representative of Mortgage Intelligence Ltd, authorised and regulated by the Financial Conduct Authority, we combine industry-leading access to over 1,000 mortgage products with a commitment to transparent, client-focused service.Our advisers prioritise understanding individual client needs, offering dedicated support from initial consultation through to completion. We specialise in complex cases, including self-employed applicants and those requiring debt consolidation, while maintaining a strong focus on long-term financial planning and protection strategies. Our fee structure ensures affordability, with charges only payable upon successful mortgage offer or completion.
Services
Mortgage Brokering
Adverse Credit Mortgages
Buy-to-Let Solutions
Later-Life Lending
Life Insurance
Critical Illness Cover
Income Protection
Business Protection
Wills & Trusts
Debt Consolidation
Details
- Year established: 1996
Highlights and features
- Access to 1,000+ mortgage products through FCA-regulated network
- Specialists in complex cases including adverse credit and self-employed mortgages
- Dedicated adviser system ensuring personal service throughout the process
- Tailored protection packages combining mortgages with life and critical illness cover
- Transparent fee structure with charges only payable on successful completion
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert mortgage guidance
Successful adverse credit solutions
Dedicated client support
Transparent process
Timely completions
Services
Mortgage Brokering
We provide comprehensive mortgage brokering services with access to thousands of products from diverse lenders. Our FCA-regulated advisers help clients navigate residential, buy-to-let, and commercial mortgages. Our expertise covers first-time purchases, remortgaging, and complex cases including adverse credit and self-employed applicants.
Later-Life Lending
Specialist mortgage solutions for clients over 55, including lifetime mortgages and retirement interest-only products. We advise on Equity Release Council-approved schemes with no negative equity guarantees. Our advisers help clients access home equity while maintaining ownership and considering inheritance protection options.
Critical Illness Cover
Tailored critical illness protection policies that pay a lump sum upon diagnosis of specified conditions. We offer comprehensive coverage options with major insurers, including review services for existing policies. Our advisers ensure appropriate coverage levels to protect mortgage payments and household income.
Adverse Credit Mortgages
Specialist mortgage solutions for clients with credit challenges including CCJs, defaults, or past arrears. We access niche lenders offering competitive rates for various property types. Our advisers provide guidance on improving creditworthiness while securing suitable mortgage arrangements.
Business Protection
Comprehensive business protection solutions including key person insurance, shareholder protection, and relevant life policies. We design tax-efficient structures to safeguard business continuity and provide financial security for employees and stakeholders in case of critical illness or death.
People
Alex Groom
Director
With over 20 years in financial services, Alex holds a Economics degree and CeMAP accreditation. He specialises in complex mortgage cases and protection planning, combining investment banking experience with client-focused advice. He manages client relationships with a focus on long-term financial security.
Jenny Reeves
Mortgage Adviser
Qualified since 2016, Jenny specialises in adverse credit mortgages and complex income cases. She has expertise in housing schemes including shared ownership and portfolio landlord financing. Her approach focuses on long-term financial planning and tailored mortgage solutions.
Ben Edwards
Mortgage Adviser
Joining AGA in 2015, Ben specialises in helping clients with unique circumstances. He provides market-leading service with a focus on first-time buyers and challenging cases. His approach combines technical expertise with accessible, client-centred communication.
Lee Kempthorne
Mortgage Adviser
CeMAP accredited since 2006, Lee joined AGA in 2022 with extensive industry experience. He specialises in nationwide mortgage cases, providing conscientious advice across diverse client circumstances. His expertise includes protection planning and long-term mortgage strategies.
Questions
What mortgage options exist for those with adverse credit?
We specialise in adverse credit mortgages, accessing niche lenders who consider individual circumstances beyond credit history.
Can I get a mortgage after age 55?
Yes, we offer later-life lending solutions including lifetime mortgages and retirement interest-only products tailored for older borrowers.
How do you charge for mortgage advice?
Our standard fee is £495, payable only upon receipt of a mortgage offer or completion, with no upfront charges.
Do you offer protection alongside mortgages?
Yes, we provide tailored life insurance, critical illness cover, and income protection to safeguard mortgage commitments.
Can self-employed individuals get mortgage help?
Yes, we specialise in self-employed mortgages, working with lenders who understand non-standard income structures.
Are your advisers qualified?
All our advisers hold CeMAP accreditation and operate under FCA regulation through our partnership with Mortgage Intelligence.
