Finding the right mortgage for you.
We are a local mortgage broker based in Royston and surrounding areas with brokers across the country, who look at your personal circumstances to provide valuable advice that's designed to suit you as well as a full range of lifestyle and income protection cover to protect you from the unexpected.
Our advisers are experienced in all aspects of property-related lending including first time buying, homemovers, buy-to-let, and many more.

Why Choose Expert Mortgages?
At Expert Mortgages, our commitment to exceptional customer service sets us apart. We take the time to carefully listen to your needs and help you find the right mortgage solution for your budget and circumstances. We won't pressure you into a deal that isn't the best fit. Instead, we'll be there to answer your questions and provide guidance every step of the way.
✔ Impartial Advice
We pride ourselves on offering unbiased advice tailored to your unique requirements. Whether you're buying a home or want to explore your current mortgage options, our team is here to help.
✔ Experience & Expertise
With years of industry experience and expertise, Expert Mortgages is the ideal choice for those seeking assistance with their mortgage. We'll support you through every step of the process, ensuring you get the home of your dreams.
✔ Fast and Responsive
We understand the stress of home shopping, which is why we work efficiently to secure the right deal for you, often within hours of receiving your details.
✔ Personal Service
When you choose Expert Mortgages, you'll be assigned a dedicated mortgage advisor who will guide you through your home buying journey. Together, we'll find the optimal mortgage solution to meet your needs.
"Expert Mortgages were recommended by a friend, and I am so pleased! Excellent service, efficient and knowledgeable. The mortgage brokers that Royston needed! Thanks so much for all of your help."
Jenna J.
"A lovely, helpful, and efficient team. Quick to answer all my queries. Highly recommend!"
Emma T.
We can help with:
First Time Buyers
First time buyers that have never owned a residential property and intends to live in it as their main residence. We can help.
Remortgaging
Need a new mortgage for your current home? Your current mortgage deal coming to the end? We can help.
Buy to let
Looking to start your Buy To Let portfolio or want support financing your existing one. We can help.
Moving home
Making that next house move and want to know what you can afford and the options available. We can help.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Mortgage tools, all in one place
Get a Mortgage in Principle to see how much a mortgage lender could lend to you, and use our helpful range of mortgage calculators to help understand how much you can afford.
Depending on your income and outgoings, you may typically borrow between 4 to 4.5 times your annual salary. Find out how much you can borrow with our affordability calculator.
We can work with you to determine your monthly repayments after you have an idea of how much you can borrow, making sure that you stay within your budget.
The Home Buying App
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
Get Mortgage Ready in 4 easy steps

1. Talk to us:
We'll go through an initial assessment to establish what you want, and the best way to help you.
2. Presentation:
We take you're requirements and personal circumstances and present you with the figures for your mortgage and protection.
3. Fact Find:
Working with you, we'll gather all information required to make any application and satisfy lender and FCA compliance requirement, such as ID, bank statements, and wage slips.
4. Progress:
We agree to proceed and take care of everything from here. Keeping you updated along the way.
We're here to help
The New Mortgage Charter: A Beacon of Hope for Borrowers
The New Mortgage Charter: A Beacon of Hope for Borrowers In the face of rising interest rates, mortgage lenders and the Financial Conduct Authority
Tracker Mortgages vs Fixed Rate
Borrowing has been relatively cheap over the last ten years. With a base rate of below 1% for most of that time, we have become accustomed to low mortgage rates and negligible returns on savings.
When to Switch Your Mortgage: A Guide for Homeowners
Switching your mortgage, also known as remortgaging, can be a smart financial move. It can help you save money, reduce your monthly payments, or pay off your mortgage sooner. But when is the right time to switch your mortgage? Let’s explore this question.
When to Switch Your Mortgage: A Guide for Homeowners
The mortgage market is a dynamic and complex system that is influenced by a variety of factors, including economic conditions, inflation, and monetary policy.
Why Use a Mortgage Broker? The Benefits Explained
Navigating the world of mortgages can be a daunting task. With so many options available and a multitude of factors to consider, it’s easy to feel overwhelmed.
No Deposit Mortgage: The 100% Mortgage Solution for First-Time Home Buyers
Dreaming of stepping onto the property ladder, but finding the steep deposit requirements a hurdle? We have good news! As your trusted mortgage broker, we can connect you to Skipton Building Society’s No Deposit Mortgage — a unique home ownership solution designed just for you.
Moving Home – Should I Take My Mortgage with Me?
Whether you’re a mortgage hopeful planning ahead or a mortgage holder planning for relocation, you might have some questions about mortgages and moving house.
What size mortgage deposit should you aim for?
If you’re looking to buy your first home, you’ll know that, though it’s undoubtedly an exciting time, it’s also stressful. There are many vital boxes to tick and things to consider to ensure that you’re stepping onto the property ladder with the right foot forward.
Our experts are here to help you.
Feel free to contact us and chat through your requirements.
Speak to an expert about your circumstances and lending needs.