Business Details
Trusted Mortgage Brokers in Droitwich | Whiteoak Mortgages
Whiteoak Mortgages is a family-owned, Worcestershire-based mortgage and protection brokerage with over a decade of experience in the financial services sector. As an award-winning team and appointed representative of Mortgage Advice Bureau Limited, we provide tailored advice on mortgages, remortgages, and protection products, leveraging access to over 90 lenders and 12,000 mortgage deals. Our expertise extends to life insurance, critical illness cover, income protection, and business protection, supported by partnerships with conveyancers, health insurers, and will-writing services. We prioritise flexibility, offering appointments outside standard office hours via phone, video calls, or face-to-face meetings. Our commitment to transparency includes free initial consultations and clear communication about fees, which typically amount to 0.3% of the loan value.Recognised for excellence through client testimonials and Google reviews, we combine local market knowledge with national regulatory compliance under the Financial Conduct Authority. Our digital Home Buying App empowers clients to track their property journey, while mortgage monitoring services ensure ongoing value for existing homeowners.
Services
Mortgage Advice
Remortgaging
Life Insurance
Income Protection
Mortgage Monitoring
Business Protection
Home Insurance
Equity Release
Commercial Lending
Wills Services
Highlights and features
- We are an award-winning mortgage brokerage with local expertise in Worcestershire.
- Our team offers access to over 12,000 mortgage products through 90+ lenders.
- We provide free initial consultations with no obligation.
- Our advisers are fully qualified in mortgage and protection planning.
- We offer flexible appointment times, including evenings and weekends.
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Tailored solutions
Exceptional service
Highly recommend
Professional team
Services
Mortgage Advice
We provide expert mortgage advice tailored to individual needs, helping first-time buyers, home movers, and landlords secure competitive deals. Our services include assessing affordability, comparing thousands of products, and guiding clients through the application process. With access to over 90 lenders, we ensure clients find the right mortgage for their circumstances.
Remortgaging
Our remortgaging service helps clients reduce monthly payments, release equity, or adjust loan terms. We assess market deals, calculate potential savings, and manage the transition to a new lender. Clients benefit from our expertise in avoiding early repayment charges and securing optimal rates without hidden fees.
Life Insurance
We offer life insurance policies designed to protect families financially in the event of a policyholder's death. Our solutions include term life and whole-of-life cover, with flexible premiums and payout options. Policies are provided through trusted insurers, ensuring competitive rates and comprehensive coverage tailored to mortgage and family needs.
Income Protection
Our income protection plans provide a regular tax-free income if illness or injury prevents work. Coverage starts after a chosen deferral period and continues until recovery or retirement. We help clients select policies that align with their employment status, including self-employed and contract workers, ensuring financial stability during unforeseen absences.
Mortgage Monitoring
We offer free mortgage monitoring to ensure clients remain on the best deal. This service compares existing mortgages against thousands of current products and provides monthly reports. Clients receive alerts if better rates become available, allowing them to remortgage at optimal times without ongoing fees or commitments.
People
Steve Mezzone
Joint Managing Director
Steve Mezzone co-founded Whiteoak Mortgages with over 20 years of mortgage industry experience. He specialises in complex mortgage cases and protection planning, ensuring clients receive compliant, client-focused advice aligned with regulatory standards.
Jo Mezzone
Joint Managing Director
Jo Mezzone co-leads Whiteoak Mortgages, combining expertise in mortgage broking with a focus on customer service. She oversees protection product selection and ensures the team maintains high advisory standards through continuous professional development.
Luke Mezzone
Mortgage Specialist
Luke Mezzone provides mortgage advice tailored to first-time buyers and home movers. With a focus on affordability assessments and lender criteria, he helps clients navigate the application process efficiently while maintaining transparent communication.
Amy Dyas
Mortgage Specialist
Amy Dyas specialises in mortgage solutions for landlords and buy-to-let investors. She leverages market knowledge to identify competitive buy-to-let rates and advises on portfolio management strategies to maximise rental income returns.
Questions
What mortgage services do you offer?
We offer mortgage advice, remortgaging, buy-to-let mortgages, first-time buyer support, and commercial lending solutions.
Are you regulated by the Financial Conduct Authority?
Yes, we are an appointed representative of Mortgage Advice Bureau Limited, authorised and regulated by the Financial Conduct Authority.
Do you charge fees for mortgage advice?
Our initial consultation is free. Mortgage advice fees typically amount to 0.3% of the loan value, with a maximum of 1%.
Can you help with protection products?
Yes, we provide life insurance, critical illness cover, income protection, and business protection tailored to your needs.
What areas do you serve?
We primarily serve Worcestershire, including Droitwich, and assist clients nationwide through remote consultations.
Do you offer digital mortgage tools?
Yes, our Home Buying App helps track savings, calculate affordability, and provides expert advice articles for homebuyers.
