Stratton Thorpe

Business Details

7 Years

experience

Award-Winning Mortgage & Protection Advice

Stratton Thorpe was founded in 2019 by Julian Stratton and Peter Thorpe, combining over 85 years of mortgage industry experience. Based in Oxfordshire, we operate across the Midlands, East and South of England, offering tailored mortgage and protection advice. Our team prioritises saving clients time, money and stress through comprehensive lender searches, seamless application processes and ongoing support.

Recognised with multiple industry awards, including Best Mortgage & Protection Advice Company 2024, we provide free no-obligation consultations and serve clients via face-to-face meetings, telephone and video appointments. Our commitment to excellence is demonstrated through 240+ 5-star Google reviews and a referral-based client acquisition model.

Services

First-Time Buyer Mortgages Remortgage Solutions Buy-to-Let Mortgages Life Insurance Income Protection Critical Illness Cover Equity Release Commercial Mortgages Adverse Credit Mortgages Shared Ownership

Details

Year established: 2019

Highlights and features

Over 85 years of combined mortgage industry experience
Free no-obligation initial consultations available
Access to exclusive mortgage deals and 5-star rated policies
Flexible appointments 7 days a week including evenings
240+ 5-star Google reviews from satisfied clients

Associations and certifications

Financial Conduct Authority (FCA)

What people say

Exceptional service Always available Stress-free process Competitive mortgage deals Transparent communication

Website

Update Listing

Services

First-Time Buyer Mortgages

Specialist mortgage solutions for first-time buyers navigating the property market. We provide comprehensive guidance on deposit requirements, government schemes and affordability assessments. Our team explains different mortgage types including fixed-rate, tracker and discount mortgages while helping secure competitive rates. We assist with all paperwork and liaise with solicitors to ensure smooth transactions, making the home-buying process accessible and stress-free for new entrants to the market.

Remortgage Solutions

Expert remortgaging services to help homeowners secure better rates or release equity. We analyse existing mortgage terms, assess current financial circumstances and identify suitable replacement products. Our team facilitates the transition process including redemption of existing mortgages and coordination with new lenders. We specialise in helping clients reduce monthly payments, consolidate debts or fund home improvements through strategic remortgaging while ensuring compliance with all regulatory requirements.

Life Insurance

Comprehensive life insurance policies to protect loved ones and financial commitments. We offer term life, whole-of-life and critical illness cover options tailored to individual circumstances. Our advisers assess appropriate coverage levels based on mortgage balances, family needs and future financial goals. We source policies from leading insurers and provide ongoing support for policy reviews and claims assistance, ensuring clients maintain adequate protection throughout different life stages.

Buy-to-Let Mortgages

Specialist financing solutions for property investors seeking buy-to-let mortgages. We provide market insights on rental yield requirements, deposit thresholds and lender criteria. Our services include portfolio management strategies, tax-efficient structuring advice and access to competitive investment mortgage products. We assist with both standard and complex cases including limited company landlords and multi-unit freehold borrowers, ensuring compliance with regulatory requirements while maximising investment returns.

Equity Release

Tailored equity release solutions for homeowners aged 55+. We explain lifetime mortgage options and home reversion plans, including associated risks and benefits. Our advisers assess suitability based on individual circumstances, financial goals and family considerations. We provide impartial guidance on releasing tax-free cash while maintaining residency rights, ensuring clients understand long-term implications and alternative options before proceeding with equity release arrangements.

People

Julian Stratton

Director | Mortgage Adviser

With over 30 years' experience in financial services, Julian holds the Mortgage Advice Qualification and has trained numerous industry professionals. He combines extensive market knowledge with a client-focused approach, specialising in complex cases and first-time buyer assistance. His personal experience with Type 1 diabetes informs his empathetic approach to financial planning.

Peter Thorpe

Director | Mortgage Adviser

A qualified CeMAP mortgage expert with 18 years' industry experience, Peter previously managed top-performing teams at Countrywide. He specialises in buy-to-let portfolios and complex remortgage cases, bringing strategic expertise to property investors while maintaining a strong focus on client education and long-term financial planning.

Olga Bogdanova

Mortgage Adviser

A CeMAP-qualified adviser with over 10 years' customer service experience, Olga provides bilingual (English/Russian) mortgage advice. Her background in high-end fashion management translates to exceptional client care, specialising in complex cases and new build purchases while delivering clear communication throughout the transaction process.

Sangeetha Madaksira

Mortgage Adviser

With 25 years' experience in financial services across UK and multinational banks, Sangeetha offers specialist knowledge of residential and commercial mortgages. A CeMAP-qualified adviser, she provides culturally sensitive advice to diverse clients, leveraging her multilingual capabilities (English, Hindi, Kannada, Telugu) to ensure clear communication and understanding.

Helen Gough

Mortgage Processing Executive

With 16 years' property industry experience, Helen specialises in mortgage application processing and client liaison. Currently studying for her Certificate in Mortgage Advice, she brings practical homeowner perspective to her role, ensuring smooth case progression from application to completion through diligent communication with all involved parties.

Questions

What mortgage options exist for first-time buyers?

We offer 5% deposit schemes, government-backed options and family assist mortgages. Our advisers explain Help-to-Buy, shared ownership and standard first-time buyer products, helping you choose the best option based on your circumstances.

How does adverse credit affect mortgage applications?

We work with specialist lenders who consider applications with past credit issues. Our advisers explain how different lenders assess adverse credit and help you present your application in the best possible light.

What protection products should homeowners consider?

We recommend life insurance, critical illness cover and income protection tailored to your family needs. Our advisers explain different policies and help you choose appropriate coverage levels for your mortgage and financial commitments.

Can I remortgage to consolidate debts?

Yes, we help clients consolidate debts through remortgaging. We assess affordability, explain potential risks and find suitable products that could reduce monthly payments while meeting your financial objectives.

Do you offer commercial mortgage solutions?

We provide commercial mortgages through referral partners. Our team explains different product types, helps prepare business financials and works with specialist lenders to secure competitive commercial mortgage rates.

How does the mortgage application process work?

We guide you through initial affordability checks, document preparation, lender selection and application submission. Our team coordinates with solicitors and lenders throughout the process, providing regular updates until completion.