Business Details
12 Years
experience
Award-Winning Mortgage & Protection Brokers in Hatfield
Coombes & Wright Mortgage Solutions is an award-winning mortgage and protection broker with over 180 years of combined industry experience. Established in 2014 by Michael Coombes and James Wright, our team operates across Hertfordshire, Kent, and London, serving clients nationwide. We specialise in providing tailored mortgage solutions for first-time buyers, home movers, buy-to-let investors, and those seeking equity release. Our commitment to exceptional customer care is reflected in our 700+ 5-star reviews and recognition as a trusted advisor in the sector. We offer free, no-obligation consultations and manage the entire mortgage process, from initial enquiry to completion, ensuring a stress-free experience.Our team's expertise spans residential and commercial lending, with access to over 65 lenders to secure competitive rates. We pride ourselves on jargon-free advice, transparent communication, and a client-centric approach that prioritises long-term relationships. With offices in Brookmans Park, St Albans, Cheshunt, Abbots Langley, London, Canterbury, and Dover, we combine local knowledge with national reach to deliver flexible, friendly service. Our dedication to professional standards is underscored by our appointment as representatives of Sesame Ltd, regulated by the Financial Conduct Authority.
Services
First-Time Buyer Mortgages
Remortgages
Buy-to-Let Mortgages
Equity Release
Commercial Lending
Protection Cover
Lifetime Mortgages
Bridging Finance
Adverse Credit Mortgages
Flexible Mortgages
Details
- Year established: 2014
Highlights and features
- Over 180 years of combined property and mortgage industry experience
- Free no-obligation initial consultations with flexible appointment options
- Access to over 65 lenders for competitive mortgage product comparisons
- Award-winning service with 700+ 5-star reviews across Google and Trustpilot
- Personalised service managing the complete mortgage process from start to finish
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional service
Highly recommended
Stress-free process
Expert knowledge
Personalised approach
Services
First-Time Buyer Mortgages
Specialist support for first-time property purchasers. We provide comprehensive guidance on deposit requirements, government schemes like Help-to-Buy, and mortgage type selection. Our team explains fixed, tracker, and flexible rate options while ensuring clients understand affordability assessments. With access to 65+ lenders, we secure competitive rates tailored to individual circumstances. Our service includes free initial consultations and ongoing support through the entire purchasing process.
Remortgage Solutions
Expert assistance for homeowners seeking better mortgage terms. We analyse existing deals up to six months before expiration, compare new offers, and assess portability options when moving homes. Our advisers evaluate break-even points for early repayment charges versus potential savings. We facilitate funding for home improvements, debt consolidation, or portfolio expansion while ensuring clients understand LTV implications from property value increases.
Buy-to-Let Mortgages
Tailored financing for property investors. We advise on portfolio structuring, tax considerations, and limited company versus personal ownership strategies. Our specialists assess rental income viability against mortgage payments and stress-test scenarios for void periods. We provide access to specialist lenders offering competitive rates for both single-property investors and large-scale developers across residential and commercial sectors.
Equity Release
Secure financial solutions for homeowners over 55. We explain lifetime mortgage options that allow capital withdrawal while retaining property ownership. Our advisers assess interest-accrual mechanisms, inheritance implications, and flexible drawdown facilities. We ensure clients understand the long-term impact of compounding interest and provide comparisons between fixed and variable rate products from specialist lenders.
Protection Cover
Comprehensive risk management solutions to protect property investments. We offer life insurance, critical illness cover, and income protection policies tailored to mortgage obligations. Our advisers conduct needs analyses to determine appropriate coverage levels, explain policy exclusions, and ensure alignment with clients' family circumstances. We compare products from multiple insurers to secure optimal protection at competitive premiums.
People
Michael Coombes
Director / Mortgage & Protection Adviser
With over 25 years' experience, Michael co-founded Coombes & Wright after corporate sector roles. He specialises in simplifying complex mortgage processes while maintaining focus on clients' personal goals. His approach prioritises long-term relationships and financial security.
James Wright
Director / Mortgage & Protection Adviser
James brings 20+ years of industry expertise, focusing on straightforward communication and problem-solving. He ensures clients receive flexible, personal service while leveraging extensive market knowledge to secure optimal mortgage solutions for diverse client needs.
Dean Tomlinson
Mortgage & Protection Adviser
Dean combines 15+ years in estate agency with mortgage advisory experience since 2019. His holistic approach considers property and financial aspects, making him particularly effective for clients navigating complex property transactions alongside mortgage requirements.
Louise Scrivener
Mortgage & Protection Adviser
Based in Dover, Louise offers expert guidance through all mortgage stages. With specialist knowledge of Kent property markets, she provides continuous support during potentially stressful processes, ensuring smooth transactions for home buyers and remortgagers.
Damon Hoford
Mortgage & Protection Adviser
Damon's 15+ year career in Canterbury focuses on tailored mortgage strategies. He specialises in helping clients achieve property goals through personalised advice, with particular expertise in complex mortgage scenarios and long-term portfolio planning.
Questions
What mortgage options are available for first-time buyers?
We offer 95% LTV mortgages, government schemes like Help-to-Buy, and Shared Ownership options. Our advisers explain fixed/variable rates and help determine appropriate deposit strategies based on individual circumstances.
How do remortgage arrangement fees work?
Our standard fees are £399 for residential and £499 for buy-to-let mortgages. These cover application processes, with lenders sometimes offering incentives to offset costs through reduced interest rates.
Can I get a mortgage with adverse credit history?
Yes, we work with specialist lenders offering adverse credit mortgages. Our advisers assess affordability, explain requirements for credit improvement, and help demonstrate financial stability to lenders.
What protection cover options should I consider with a mortgage?
We recommend life insurance, critical illness cover, and income protection. Our advisers explain policy terms, assess appropriate coverage levels, and ensure alignment with mortgage obligations and family needs.
How does equity release affect inheritance?
Equity release creates debt secured against your home. We explain lifetime mortgage terms, including interest accrual mechanisms and inheritance protection options available from specialist lenders.
Are buy-to-let mortgages regulated by the FCA?
Most buy-to-let mortgages aren't FCA-regulated. We explain differences between regulated and unregulated products, focusing on investor protections and suitability for different property investment strategies.
