Business Details
26 Years
experience
Expert Mortgage Solutions in Guildford
Established in Guildford in 2000, Heritage Independent Mortgage Advisers have built a reputation for delivering tailored mortgage solutions to both individual and business clients. As an appointed representative of In Partnership, authorised and regulated by the Financial Conduct Authority, we combine regulatory compliance with deep market expertise. Our services span residential and commercial mortgages, equity release, buy-to-let, adverse credit mortgages, and specialist protection plans. With access to a comprehensive panel of lenders, we prioritise fee-based advice or provider-commission models, ensuring transparency with an example fee of 295. Over two decades, we have consistently focused on simplifying mortgage processes, offering competitive rates, and providing personalised guidance to meet diverse client needs.Our team of experienced advisers works closely with clients to navigate complex financial products, streamline applications, and deliver time-saving solutions. Recognised for our client-centric approach, we maintain a strong track record of successful mortgage placements and protection coverage, supported by positive testimonials highlighting our professionalism and efficiency. Our commitment to excellence is reinforced by our adherence to FCA standards and our dedication to continuous improvement in financial services delivery.
Services
Mortgages
Protection Plans
Equity Release
Bridging Finance
Commercial Insurance
Details
- Year established: 2000
Highlights and features
- We have over 20 years of experience in mortgage advisory services.
- Our team is FCA-regulated for compliance and client protection.
- We offer tailored mortgage solutions from a whole-of-market panel.
- We provide competitively priced protection plans alongside mortgages.
- Our streamlined application process saves clients time and money.
Associations and certifications
- Financial Conduct Authority
What people say
Competent, efficient mortgage broker
Superb service
Highly recommended
Stress-free process
Patient and thorough
Services
Mortgage Solutions
Heritage IMA offers tailored mortgage solutions by analysing clients' circumstances against a whole-of-market lender panel. We specialise in residential, commercial, buy-to-let, and adverse credit mortgages, ensuring competitive rates and regulatory compliance. Our FCA-regulated advisers streamline applications to save time and reduce client stress.
Protection Plans
We provide competitively priced protection plans including life assurance, critical illness cover, and income protection. These policies safeguard clients' financial obligations, such as mortgages, while offering flexible terms and coverage options tailored to individual needs and budgets.
Equity Release
Our equity release services help clients unlock cash from their property through lifetime mortgages or home reversion plans. We offer impartial advice on risks, costs, and inheritance implications, ensuring clients make informed decisions about funding retirement or long-term care.
Bridging Finance
Heritage IMA arranges bridging finance for property purchases or business needs, offering rapid funding solutions (24-48 hours) for residential and commercial developments. We connect clients with specialist lenders for temporary financing until permanent arrangements are secured.
Commercial Insurance
We provide commercial insurance solutions tailored to business owners' needs, including asset-backed loans and risk management strategies. Our services help SMEs access capital through secured financing while addressing unique challenges posed by evolving market conditions.
People
Cleo Quinn
Mortgage Adviser
Experienced mortgage adviser specialising in complex cases, including divorce-related mortgage capacity reports. Known for clear communication and continuous client support through challenging processes, ensuring straightforward explanations of technical procedures.
Charlotte Chalker
Protection Adviser
Specialist in income protection and life insurance, praised for diligence and client-focused approach. Successfully arranged tailored protection plans while maintaining clear communication throughout the mortgage and insurance process.
Jessica
Mortgage Adviser
Recognised for patience and thoroughness in mortgage sourcing, particularly for first-time buyers. Provides detailed explanations of mortgage options and maintains availability for client inquiries throughout the transaction process.
Steph King
Mortgage Adviser
Specialises in challenging mortgage cases, demonstrating exceptional problem-solving skills. Successfully secured mortgages where other advisers failed, with particular expertise in adverse credit scenarios and client advocacy.
Rebecca Shuttle
Mortgage Adviser
Expert in re-mortgage and residential mortgage processing, noted for handling complex cases with ease. Provides clear explanations at all stages and works extended hours to ensure timely completion of client transactions.
Questions
What mortgage services do you offer?
We provide residential, commercial, buy-to-let, equity release, adverse credit mortgages, and bridging finance. Our FCA-regulated advisers access a whole-of-market panel to find suitable solutions for diverse client needs.
Are your mortgage advisers regulated?
Yes, we are FCA-regulated as appointed representatives of In Partnership. This ensures compliance with financial services standards and provides client protection through authorised advisory processes.
Can you help with first-time buyer mortgages?
Absolutely. Our team specialises in guiding first-time buyers through the mortgage process, offering clear explanations of options and securing competitive rates from our lender panel.
Do you offer protection plans with mortgages?
Yes, we provide life assurance, critical illness cover, and income protection plans tailored to mortgage requirements. These can be arranged alongside your mortgage to protect against financial risks.
How do you charge for mortgage advice?
We offer fee-based advice (typically £295) or commission-based advice from providers. The chosen method affects no aspect of service quality, ensuring transparent pricing options for clients.
Can you assist with commercial property financing?
Yes, we arrange commercial mortgages and bridging finance for business property needs. Our services include asset-backed loans and specialist financing solutions for SMEs facing restricted cash access.
