Business Details
Trusted Mortgage Brokers in North Yorkshire
1st Mortgage Services has established itself as a trusted partner in mortgage and insurance advisory, operating from Thirsk, North Yorkshire. With over 65 lender relationships cultivated through years of industry engagement, we specialise in delivering tailored financial solutions to clients nationwide. Our approach prioritises individual needs, whether you're a first-time buyer, seeking remortgage opportunities, or requiring specialist advice for adverse credit scenarios. The team's collective expertise spans decades, ensuring clients benefit from both regulatory compliance and innovative financial strategies.As an appointed representative of Sesame Ltd, authorised and regulated by the Financial Conduct Authority, we maintain rigorous professional standards while offering accessible, jargon-free guidance. Our commitment to excellence is evidenced by client testimonials highlighting stress-free transactions and exceptional service quality across residential and buy-to-let markets.
Services
Mortgage Advice
Remortgage Solutions
First Time Buyers
Buy to Let
Adverse Credit
Highlights and features
- We offer nationwide mortgage advice through 65+ lender partnerships
- Our team includes Senior Mortgage Advisers with decades of combined experience
- We provide tailored solutions for complex cases including adverse credit mortgages
- We guarantee 24-hour response times for client inquiries
- Our service includes comprehensive insurance advisory alongside mortgage solutions
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Stress-free process
Professional service
Quick response times
Competitive mortgage rates
Expert guidance
Services
Mortgage Advice
Our expert mortgage advisers provide tailored guidance across 65+ lenders. We specialise in matching clients with optimal residential and buy-to-let solutions. With comprehensive market knowledge, we navigate complex cases including adverse credit histories and self-employed applications, ensuring competitive rates through established lender relationships.
Remortgage Solutions
We help clients optimise their property investments through strategic remortgaging. Our process identifies better rates, releases equity, or adjusts terms while minimising disruption. With market-leading lender access, we secure competitive deals tailored to individual financial circumstances and long-term objectives.
First Time Buyers
Specialist support for first-time property purchases includes market entry guidance and deposit optimisation. We explain Help-to-Buy schemes, stamp duty implications, and mortgage types while coordinating with solicitors to ensure smooth transactions from valuation to completion.
Buy to Let
Our buy-to-let specialists advise on portfolio growth strategies and landlord tax implications. We access competitive investment rates and provide cashflow analysis while considering regulatory requirements. The service includes exit strategy planning and market trend forecasting for property investors.
Adverse Credit
We help clients with complex financial histories secure mortgage approval. Our specialists assess credit reports, explain improvement strategies, and access niche lenders offering fair rates. We guide clients through documentation requirements and work with legal professionals to address any conveyancing complexities.
People
Julie Gilbert
Principal Mortgage Adviser
With decades of industry experience, Julie leads our mortgage advisory team. Her expertise in lender relationships and regulatory compliance ensures clients receive both competitive rates and secure financial solutions tailored to their unique circumstances.
Pamela Atkinson
Senior Mortgage Adviser
Pam brings extensive buy-to-let market knowledge, specialising in investment portfolio growth. Her client-focused approach combines thorough needs analysis with ongoing support throughout the mortgage lifecycle, evidenced by numerous client testimonials praising her responsiveness.
Will Shackleton
Senior Insurance Adviser
Will provides expert protection advice, helping clients secure appropriate life insurance and income protection policies. His regulatory expertise ensures comprehensive coverage that aligns with both current needs and future financial planning requirements.
Chris Skipper
Mortgage & Protection Adviser
Chris offers specialist mortgage and insurance solutions, leveraging his technical knowledge to explain complex financial products clearly. His experience spans residential, buy-to-let, and commercial mortgages, ensuring holistic financial planning for clients.
Lindsay Stones
Business Development Manager
Lindsay focuses on advisor onboarding and succession planning solutions. With deep industry knowledge, she helps financial professionals transition their mortgage businesses while maintaining client continuity and regulatory compliance.
Questions
How do you find the best mortgage rates?
We access 65+ lenders through established relationships, comparing rates and terms tailored to your specific financial situation and property goals.
What areas do you cover?
While based in Thirsk, we provide mortgage advice nationwide with particular expertise in North Yorkshire, West Yorkshire, and Lancashire markets.
Can you help with adverse credit mortgages?
Yes, our specialists work with niche lenders to secure mortgages for clients with complex credit histories, offering tailored solutions and improvement strategies.
What support exists for first-time buyers?
We provide comprehensive guidance including Help-to-Buy schemes, deposit planning, and step-by-step transaction support from valuation to completion.
How does the remortgaging process work?
We analyse your current mortgage, identify better deals, handle lender negotiations, and manage the legal process to ensure seamless transition to your new rate.
What insurance products do you offer?
We provide life insurance, income protection, critical illness cover, buildings insurance, and contents insurance tailored to your mortgage and personal circumstances.
