Business Details
18 Years
experience
Your Trusted Mortgage Broker in Ramsgate
At Excel Mortgages UK, we prioritise trust, integrity, and client-centric service. Established in 2008, our team combines decades of experience with a commitment to tailored solutions for first-time buyers, homeowners, and investors. We specialise in navigating the complex mortgage market to secure competitive rates while offering comprehensive financial planning, insurance, and post-sale support. Our approach focuses on empowering clients through transparency, avoiding pressure tactics, and fostering long-term relationships.With a proven track record in both residential and buy-to-let mortgages, we ensure clients receive expert guidance aligned with their unique circumstances. Our services extend to budget planning, home insurance claims, and partnerships with trusted professionals, ensuring a seamless property journey. Recognised by the Financial Conduct Authority, we uphold rigorous standards of professionalism and client care.
Services
Mortgage Brokering
First Time Buyer Mortgages
Buy to Let Mortgages
Remortgage Services
Insurance Solutions
Details
- Year established: 2008
Highlights and features
- We offer personalized mortgage solutions tailored to individual needs
- Our team has decades of combined experience in financial services
- We provide transparent advice with no hidden fees or pressure tactics
- We are authorised and regulated by the Financial Conduct Authority
- We offer a comprehensive range of mortgage and insurance products
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Knowledgeable team
Stress-free process
Personalized approach
Comprehensive solutions
Services
Mortgage Brokering
We specialise in connecting clients with optimal mortgage deals across the entire market. Our brokers analyse individual financial circumstances to recommend competitive fixed-rate, tracker, and specialist mortgages. With access to exclusive products unavailable to the general public, we streamline the application process while ensuring compliance with FCA regulations. Our service includes ongoing support for remortgaging and portfolio management.
First Time Buyer Mortgages
Tailored guidance for first-time property purchases, including deposit planning and government schemes. We simplify the mortgage process by explaining options like Help-to-Buy ISAs and shared ownership. Our advisors ensure clients understand affordability criteria while maximising approval chances. We also coordinate with recommended solicitors and estate agents for a seamless transaction.
Buy to Let Mortgages
Specialist advice for property investors seeking competitive buy-to-let financing. We assess portfolio strategies and rental income projections to secure appropriate mortgages. Our service includes tax-efficient structuring options and introductions to property management partners. We maintain relationships with lenders offering flexible terms for both novice and experienced landlords.
Remortgage Services
Expert assistance in renegotiating existing mortgages to reduce payments or release equity. We evaluate exit fees and new product terms to determine cost-effectiveness. Our team facilitates smooth transitions between lenders while ensuring clients maintain compliance with changing regulatory requirements. We also advise on consolidating debts through remortgaging.
Insurance Solutions
Comprehensive insurance advice covering life, critical illness, and income protection policies. We tailor coverage to mortgage requirements and personal circumstances, including redundancy protection for self-employed clients. Our partnerships with award-winning providers ensure competitive premiums. We also assist with home insurance claims and trust arrangements for policy beneficiaries.
People
Laurence Strich
Mortgage Advisor and Director
With over 25 years in financial services since 1995, Laurence founded Excel Mortgages UK in 2008 after roles at Barclays and Woolwich Building Society. He prioritises ethical practices and client empowerment, fostering a team culture focused on long-term relationships over short-term targets.
Hayley Field
Office Manager and Mortgage Advisor
A qualified mortgage advisor since 2023, Hayley brings 18 years of administrative expertise. She ensures operational efficiency while providing client support, combining personal experience as a former client with professional insights to enhance service delivery.
Steve Taylor
Mortgage Advisor
With 30 years at Barclays Bank and 14 years managing high-net-worth clients, Steve offers deep expertise in mortgage and investment solutions. His approach focuses on building trust through transparent advice and long-term financial planning support.
Questions
How do you help first-time buyers?
We provide tailored mortgage options, explain government schemes, and coordinate with trusted solicitors to simplify the home-buying process for first-time buyers.
Are your mortgage advisors qualified?
Yes, all our advisors hold relevant financial qualifications and maintain FCA authorisation for professional mortgage advice.
Can you assist with buy-to-let mortgages?
We specialise in buy-to-let financing, offering competitive rates and portfolio management strategies for property investors.
Do you charge fees for mortgage advice?
Our advice is typically commission-based through lenders, though specific product fees may apply as disclosed during consultations.
How do you handle insurance claims?
We partner with award-winning providers to manage home insurance claims, coordinating assessments and negotiations with insurers on your behalf.
What areas do you serve?
While based in Ramsgate, we provide mortgage services nationwide across the UK through remote consultations and partnerships.
