
Find out more about who we are, how we can help you and why you should use the advice and services offered by Mortgage Fox.
Why people use us:
Attention to detail and communication are key. We hold your hand from beginning to end. From viewing properties and seeking affordability advice, through to receiving the keys to your new home. We will be there every step of the way to answer any question no matter how big or small.
Service
We are passionate about providing a first class service to all clients. Whether you are a first time buyer or an experienced Buy to Let landlord, we offer the same service to every client.
We know that some advisers don’t charge a fee at all, but in our experience this means they are trying to help twice as many clients as we think is sensible. This can mean service suffers and often the complex cases fall by the wayside. Our fee guarantees we can give every single case the time and expertise it deserves.
We charge a flat fee of £500 to all clients, regardless of the circumstances or complexity of your enquiry. We believe charging the same fee and offering the same expert service to all clients means we are treating all clients fairly. So if you have impaired credit and you’re not sure if you can get a mortgage, or you may have a complex income structure, we won’t charge you anything over the flat fee of £500.
Our 5 * reviews on Google and the testimonials on this website will give you an idea of the service we proudly provide.
Experience
In an ever-changing mortgage market, we stay on top of the latest industry news and continue to improve our professional development through ongoing training.
With over 25 years in the Financial Services industry, we have seen many changes to legislation and mortgage regulation, with the most recent changes in the new FCA Consumer Duty Regulations.
Choosing Mortgage Fox allows you to tap into our knowledge and experience and in return we will deliver expert advice, allowing you to make informed decisions for your future.
Approach
At Mortgage Fox, we don’t believe anybody wants a mortgage, they want a home or an investment property, and we are here to help realise those dreams and aspirations. Unlike some other mortgage advisers, we don’t believe our job ends with submitting a mortgage application, it ends when you get the keys. That’s why we’re committed to being available to you every step of the way.
We offer a pragmatic and honest approach to our advice, with complete transparency about your options and choices. We want to build a long-standing relationship with you, enabling you to trust us with your mortgage and protection advice.
In turn, we want you to be happy to recommend us to your friends and family too. We believe referrals are the best way to build our fantastic business and we love it when our happy clients send their friends and family our way.

Client testimonials
26/09/2024
Very helpful and communicates well. Definitely recommend.
Emma Dyer
Buy to Let
25/09/2024
Excellent and professional service, went above and beyond for us. Worth every penny!
Matthew Dyer
Home Movers
24/09/2024
Honestly Nicola is an absolute rockstar. We have used her services for 2 different moves now, and she is so helpful, so proactive and makes what is a stressful process, easy and hassle free. Will always recommend her to others.
Tommy Caulfield
Further Advance
17/09/2024
Nicola very knowledgeable, patient and helpful. All of the products available were explained to me so that I could make a fully informed decision and choose what would work best for my lifestyle. I wouldn’t use any other mortgage adviser now!
Rachel Sandy
Remortgaging
05/09/2024
This was our first time using Nicola, for Buy to Let mortgage advice. Friendly, honest, knowledgeable, with helpful suggestions and great communication. Would definitely recommend speaking to her for all types of mortgage advice.
Ali
Buy to Let
03/09/2024
Nicola has gone above and beyond each time to get us the best deals, and to explain everything in plain English. Thank you Nicola, we look forward to using you again.
Joel Devlin
Remortgaging
02/09/2024
Very helpful was willing to arrange meetings around our working hours, and spoke in a non pressurising way. I would recommend their service as well above what was expected.
Ian Purnell
Remortgaging
01/08/2024
I would highly recommend Nicola, she was most helpful, knowledgeable and professional. Went above and beyond to complete my new mortgage for me. Thank you so much.
Roxana Lewis
Buy to Let
01/07/2024
Excellent Service, friendly and personal. Nothing too much trouble would highly recommend.
Claire Smith
Remortgaging
13/05/2024
Nicola at Mortgage Fox has been amazing! As a first time buyer this was all new to me. She explained everything very clearly and gave me all the information I needed to complete my first purchase. She communicated with me at all stages and kept me up to date with all that was going on. She would check in on things throughout the process and made me feel very at ease with the whole mortgage journey. I would not hesitate to recommend her, it was all stress free and a pleasure to work with her!
Kevin Bale
First Time Buyers
09/05/2024
Professional, knowledgeable, reliable and efficient Nicola is a massive help for navigating all the complexity of renewing, transferring or adding to a mortgage. Made the whole process seamless, stress free and easy. Cannot recommend highly enough.
Neil Deeley
Further Advance
02/05/2024
Amazing service, everything explained very clearly and all options explored.
Roz Smith
Remortgaging
01/05/2024
Nicola advised me getting a new mortgage. She was so knowledgeable about the different products out there. When it came to applying for a mortgage in principle, she was speedy and efficient making the whole process run simply and smoothly. Trustworthy and comprehensive. Would definitely recommend.
Caroline Bazell
Home Movers
22/04/2024
Working with Nicola again was an absolute pleasure from start to finish! Her expertise and professionalism shone through at every step of our first remortgage application process. Her guidance was invaluable, ensuring we understood each aspect clearly and felt confident in our decisions. She went above and beyond to secure the best deal possible, navigating the hurdles seamlessly. Her responsiveness and dedication made the entire experience smooth and stress-free. We couldn’t be happier with the support Nicola provided and would highly recommend her services to anyone seeking expert mortgage advice. Five stars without hesitation!
Rhett Thedvall
Remortgaging
19/04/2024
We have used Nicola twice and can’t recommend her highly enough, she is so professional and responsive, for anyone needing a mortgage Nicola really is the best. Thank you.
Rebecca Watkins
Home Movers
26/03/2024
Nicola has been brilliant in guiding me through my first time buying experience. She explains things clearly in a language that I can understand and has made the whole experience easier. Nicola is quick with her responses and is great at providing other financial advice in relation to home and contents insurance and guidance relating to will writing and choice of solicitors for conveyancing. Overall what seemed like a complicated and daunting experience made easy. Thank you so much.
Ruth Bracey
First Time Buyers
13/03/2024
Nicola has looked after us now for seven years and we have always found her to be extremely knowledgeable, efficient and helpful, offering an attentive and professional service at all times. She is always on hand to discuss issues, exploring the very best solutions. We can’t rate Nicola’s services highly enough.
Alison Norris
Further Advance
15/02/2024
I have used Nicola’s services as a mortgage broker before and am happy that I am able to reach out again now that my fixed term is coming to an end. I have always felt that she works personably with me and takes great care in her relationships with her clients. It makes me feel that I am in safe, capable hands.
Akbal Kaur
Remortgaging
10/01/2024
Brilliant service and would highly recommend Mortgage Fox Ltd. We had a challenging situation but Nicola was able to deliver and exceed our expectations. If you are looking for a solution based approach with 10/10 communication then look no further. Can’t thank you enough!
Jacqui Can
Buy to Let
29/12/2023
Amazing service! Guided through every little step and through different options. Couldn’t recommend enough!
Sarah Edwards
Remortgaging
15/12/2023
Nicola’s expertise and knowledge of the market is second to none. I’d recommend her to anyone looking for a top-notch mortgage advice.
Alex Kadilinas
Buy to Let
14/12/2023
Highly recommended. Excellent product knowledge. Sorted my buy to let and also went above and beyond to sort my protection where as others couldn’t.
MCS UK
Buy to Let
12/12/2023
Nicola helped me find the most comprehensive cover for critical illness and life insurance. She was so professional and thorough with her approach and I felt confident at every stage that she had exhausted all options to suit my particular needs and get me the best possible protection. Would highly recommend.
Ruth Bailey
Critical Illness Cover
05/12/2023
Would definitely recommend Nicola. She went above and beyond to find a mortgage product that met our specific needs. Always very prompt and professional, thanks a lot.
David Nam
Mortgages
30/11/2023
Nicola did a fantastic job of advising us on our re mortgage. Not only guiding us through options for this year, but also advising more widely on long term interest saving and helping us reach our goals of being mortgage free one day! Thank you Nicola, highly recommended.
Rebecca Rogers
Remortgaging
17/11/2023
Nicola has arranged every mortgage for us for the last 15 years. She’s always been very knowledgeable, professional, helpful and friendly whilst finding us the best value mortgage for our individual needs. I would highly recommend her.
Michelle Downey
Remortgaging
10/11/2023
Superb first class service, understood my needs with the offer of a range of products. Efficient, professional and friendly to deal with, would highly recommend. Will use again as got a great deal for my buy to let mortgage.
Sarah White
Buy to Let
02/11/2023
Nicola was amazing during our recent house purchase. We needed to figure out whether porting or repaying our existing mortgage was the correct choice and Nicola was brilliant at explaining all the options clearly so we could make an informed decision for our family. Knowledgeable, efficient and friendly I would happily recommend Nicola to anyone needing a mortgage.
Shireen Galloway
Mortgages
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Get in touch

Why people use us:
Attention to detail and communication are key. We hold your hand from beginning to end. From viewing properties and seeking affordability advice, through to receiving the keys to your new home. We will be there every step of the way to answer any question no matter how big or small.
Attention to detail and communication are key. We will hold our clients hands through the whole process beginning when they start looking at properties until they receive the keys to their new home.
In an ever-changing mortgage market, we stay on top of the latest industry news and continue to improve our professional development through ongoing training. With over 25 years in the Financial Services industry, we have seen many changes to legislation and mortgage regulation, with the most recent changes in the new FCA Consumer Duty Regulations.
Choosing Mortgage Fox allows you to tap into our knowledge and experience and in return we will deliver expert advice, allowing you to make informed decisions for your future.
