Residential Mortgage Advice


Helping you finance your dream property

Unbiased and Unrestricted Whole of Market Residential Mortgage Advice


With access to the whole of the market’s mortgage products, we can help you finance that dream home, or arrange new deal for your current property.

Broadland Consultants Mortgages Services

We research and then arrange the very best mortgage for your circumstances

Whether you are a first time buyer, or moving to a new home, it is likely that you will need a mortgage to do so.

If you want to re-mortgage for a better deal, or borrow extra money for things like home improvements, repay other debts, or to raise extra funds to buy another property we’re here to help too.

With thousands of mortgages on the market, it is easy to get confused as to which is the right one for your circumstances. Our expert mortgage advisers are here to research and arrange the very best deal for you. They provide help and guidance to you throughout every step of the process.

If you’re based in Norwich or Norfolk they can meet you face to face too.

Buying your first property can sometimes be a daunting prospect. With so many mortgage options available for first-time buyers, how do you know which deal is best for you?

You’ll want to know how much you can borrow, what the monthly payments are likely to be, and someone to explain the whole process to you.

Our expert mortgage advisers are here to help. We’ll go through all your mortgage options, monthly costs, and be at hand to support and guide you through the whole property purchase process.

If you don’t have a large deposit or a large amount of equity in your property, we’re here to help. With access to the whole of the market’s mortgage products, we can assist by researching and arranging the best deal for you.

If you’re planning to move house, a good starting point is to work out how much you can actually borrow before putting in an offer on a property or starting your house hunt. That’s because you might not be able to borrow as much as you’d hoped to, or you might be able to borrow more than you had expected. Moving house can be stressful, let us help by researching and then arranging the very best mortgage deal for you.

If you’re coming to the end of your existing mortgage product, or want to switch to a better mortgage deal we can help. Our advisers will search the whole of the market to find and arrange the very best re-mortgage deal for you.

Sometimes when you’re moving house, the best solution can be to remain with your existing lender, and maybe borrow a bit more. Our expert mortgage advisers can assist with the porting of your current mortgage deal, and if you need to borrow a bit more we can help with this too.

If you’re coming to the end of your existing mortgage deal, and you want to switch to a new deal with your existing lender, come and speak to us. We can help you switch deals with minimum effort and, as premium mortgage brokers, help you access mortgage broker exclusive mortgage deals.

If you’re self-employed or a contractor, there’s often a perception that it’s tough to get a mortgage. It’s fair to say the process can be more complicated as lenders have different criteria for the self-employed and contractors, but, with the guidance and support of our expert mortgage advisers successful mortgage funding can be achieved.

Having a bad credit history can make obtaining a mortgage on your property a real challenge, with most high street lenders unwilling to consider anything other than a near perfect credit history. At Broadland Consultants we are experts in helping our clients get the mortgage they need, as we have access to specialist mortgage lenders who will consider people with bad credit.

If you’re looking to repay credit cards, loans or car finance, or looking to make life easier by bringing down your monthly costs then we are here to help. We can help you review all your options, and then assist you in arranging the most suitable mortgage for your specific circumstances.

A capital raising mortgage can help you secure funds for anything from renovations and home improvements, to investing in another property. Our expert mortgage advisers can help find and arrange the very best capital raising mortgage for you.

Building your own home is becoming increasingly popular, and there are specialist mortgages available to help purchase the land and fund the associated construction costs. These apply whether you intend to carry out your own build project or take on a contractor to complete the construction to your specification. Our advisers are here to support and help you arrange the very best mortgage finance for your self-build project.

Recognising that the New Homes market is becoming increasingly prominent, we offer specialist New Build mortgage adviser services to provide the best advice to our clients.

We have access to many specialist products which are specifically tailored to new build properties. We are familiar with all of the requirements and legislation surrounding new build property and have an intimate knowledge of Government backed schemes such as Help to Buy and Shared Ownership.

Bridging loans are a short-term funding option. They are used to plug the gap between a debt that needs to be paid and a longer term option of funding becoming available. A classic example would be a chain break: where a house needs to be purchased prior to the completion of the client’s sale, hence the term ‘bridge’. Our expert team are here to help you quickly arrange the finance that you need.

A Retirement Interest Only Mortgage is available to people over 55. It’s a loan secured against the value of your home. You only pay the interest each month, which means the amount you owe doesn’t increase over time.

The loan is completely tax-free. You can use it for most purposes (including paying off an existing mortgage). What’s more, you don’t have to repay the loan until you, or the last remaining borrower, die or move permanently into long-term care.


Use our helpful online mortgage tools to help give you an idea of what products might be available to you



Should you decide to proceed with a formal mortgage application, for a standard residential mortgage (as classified by our Client Agreement document, which will be supplied to you prior to an application) we charge a mortgage advice fee of £350 . This fee is not paid upfront, and is normally only payable on the successful approval of the mortgage and issue of the mortgage offer from the chosen lender. For a standard mortgage, if the mortgage is not approved, then no fee is charged.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Commercial and Buy to Let Mortgages are not regulated by the Financial Conduct Authority.


Why choose Broadland Consultants?

  • Unbiased And Unrestricted Whole Of Market Mortgage And Insurance Advice. This includes your existing bank and exclusive mortgage deals available only to mortgage brokers.
  • One Easy Meeting Saving You Time. Our mortgage advisors complete the mortgage and insurance paperwork for you, and manage the application(s) all the way through to a successful completion. We can also help with arranging solicitors and a property survey if required.
  • A Meeting At A Time And Location Convenient For You. Phone / Video conference meetings available or meet at Broadland Consultant’s offices. Home/workplace meetings also available. We also offer evening appointments on request.
  • An Opportunity To Save You Money. Why just speak to your own bank which only has their in-house mortgage products? Our independent mortgage advisers review the whole of the market for the best mortgage deal for your circumstances.


We Are Here To Help You

Meet The Mortgage Team

Simon Gilvey

 

Director

Russell Carter

(Cert PFS Cert CII (MP) )

Associate Consultant

Chris Spinks

(CeMap )

Associate Consultant

Karl Arnold

(CeMap )

Associate Consultant

Connor Simpson

(CeMap )

Associate Consultant

Jonny Balchin

(CeMap )

Associate Consultant

David Weeds

(Cert PFS )

Associate Consultant

Howard Jones

(CeMap )

Associate Consultant


What People Say About Us

Client Testimonials

  • I have the valuation on my house today for the let to buy, fingers crossed. I can’t praise Karl highly enough for all his help
    Independent Mortgage Advice — Norwich, Norfolk
  • Hello Simon, I just wanted to pass on my thanks for the amazing service Broadland consultants gives. Last year I decided to use Broadland Consultants to look at my pension provision.  I had a number of schemes that although were performing they all had a high commission charge.  They were all amalgamated into one scheme, a low risk safe choice as I am now well into my 50’s.  I have just had my first years statement and was very happy to see a growth of almost £35,000.  I now feel much happier and relaxed about being ready for retirement. I am in the process of moving and am using Broadland Consultants to help with the mortgage.  They came to my house for a 7.30am arranged appointment, allowing us not to have take time out of work.  By midday a mortgage had been approved in principle and three days later a survey on the new property had been carried out and the mortgage approved.  It has to have been the smoothest easiest experience of getting a mortgage I’ve experience in 30 years. I would thoroughly recommend Broadland Consultants, no hard sell and they listen to what you want to get out of your situation. Many thanks Brian
    Independent Wealth Management and Investment Advice, Pensions, Independent Mortgage Advice, Independent Financial Advice, Investment Advice, Independent Financial Adviser, Independent Financial Advisor, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Dear David, I wanted to express my sincere gratitude for the help & support you have given us and our business over the past 10 months. Thankfully Max Sowerby introduced me to Broadland consultants this time last year. It was tricky and not straightforward by any means, there were times when I wasn’t sure we were going to find a financial solution to our business plan but due to your sheer tenacity and ability to think ‘out of the box’ we now have the support & financial backing of the HSBC. Fantastic! Covid 19 brought challenging times for us all but I personally want to thank you for always being available during the times of uncertainty. I now have an excellent financial advisor for the future and I’ve also found a new friend.
    Independent Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • You are an asset to your company. Thank you very much for sorting out my re-mortgage. Most grateful
    Independent Mortgage Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker — Norwich, Norfolk
  • Thank you for your service, you are value for money...please take that as the highest compliment, although Mick is disappointed about the cake!! I will never hear the end of that one you know!!
    Independent Mortgage Advice, Buy to Let Mortgage Advice — Attleborough, Norfolk
  • Hi Simon, Thought I’d just send a quick email to say thank you for your brilliant work in finding us a mortgage offer. We are so happy we were able to get a house at that value and literally couldn’t have done it without you! We are some way off actually getting the keys to the place it seems, so it will be a bit of a race before the baby gets here, but hopefully before rather than straight after! I hope you had a relaxing holiday – hopefully not too much of a distant memory
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Thank you very much once again for all your help and advice - it was a pleasure to work with you! Please liaise with me half a year before my new mortgage is due to expire, to set up the new one - I love to have things done and secured way ahead of the date they are due.
    Independent Mortgage Advice, Independent Life Insurance Advice — North Walsham, Norfolk
  • Just wanted to let you know I am all moved in and to say a massive thank you for all you help throughout the process. I’ve passed your details onto a few people already and will continue to recommend you x
    Independent Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker — Norwich, Norfolk
  • Thanks for all this Russell. Myself and Diane would just like to say thank you for all help and professionalism on supporting our purchase of our new home. You have made it clear and concise and it has been a pleasure working with you and cannot recommend you highly enough. Thanks once again and looking forward to completing this transaction.
    Independent Mortgage Advice — Wymondham, Norfolk
  • A big thank you to you and Simon for the help you gave my son, James, regarding his first house purchase 3 months or so ago. I had intended to contact you at the time but with the excitement of going into lockdown, events overtook me and it simply slipped my mind. So apologies for not contacting you earlier, but thank you, James and I were very grateful for the work you did –  much appreciated. I hope all’s well with you. If you fancy a catch up at any time please let me know.
    Independent Mortgage Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Broadband Consultants found a great mortgage for me and were highly professional the whole way through the process. Karl Arnold is highly knowledgeable and went the extra mile to make sure I could buy my flat. Top marks and highly recommended.
    Independent Mortgage Advice — Norwich, Norfolk
  • We were put in touch with Howard at Broadland Consultants after we were unable to obtain a suitable mortgage through other advisers. Howard was able to organise an interest-only, two year fix at a very competitive rate, which exactly met our needs. We were impressed by his knowledge, efficiency and friendly manner and have no hesitation in recommending his services to others.
    Independent Mortgage Advice, Independent Life Insurance Advice — Wroxham, Norfolk
  • The mortgage came through at the end of last week and we have paid your invoice this evening via BACS. Thank you for your assistance in re-mortgaging, it has been a very smooth, stress free experience.  
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Just a quick note to say the contracts have now been exchanged and completion will go through tomorrow!! Thanks again for all of your help with this, and the life insurance policies.
    Independent Mortgage Advice, Independent Financial Advice, Equity Release, Life Time Mortgage Advice, Critical Illness Insurance Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Just thought I better give you an update.  Been dealing with Howard in Broadland Consultants, he's been brilliant, found me a new mortgage deal and it's passed credit score & application checks. Just waiting on underwriting assessment. I'll let you know when I hear. 
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • I would definitely recommend Broadland Consultants. A big thank you to Howard Jones for his support and advice with my mortgage and also life insurance. It definitely made the whole process less stressful and with the knowledge I was getting the best deal, on the market, for my circumstances. Thank you.
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Hi Karl, I would like to say a big thanks for the quality of service and sound advice you gave with the re-mortgaging of our property. I will definitely be in touch in a couple of years to do all it again!
    Independent Mortgage Advice — Norwich, Norfolk
  • Dear Howard, thank you so much for the mortgage advice! Great service, hard work and support! We will definitely recommend you to all our friends! We are really appreciated it! Thank you for sorting out our life cover also. We are in our crazy preparations to move into our new home. We are looking forward to seeing you in 5 years’ time. Best Regards E & K and family xxxx
    Independent Mortgage Advice, Independent Financial Advice — Costessey, Norfolk
  • I am blown away by the way you go out of your way to help people – this is amazing, thank you so much. I have just sent that letter and the certificate you kindly produced for us to Sarah at Watson.
    Independent Mortgage Advice, Income Protection Insurance Advice — Norwich, Norfolk
  • Thanks again for all your help and fantastic advice and guidance! Please can we go for the 2 year fixed rate. And I’ll be sure to try that restaurant on our next night out to Norwich
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Hi Howard, I hope you have had a good Christmas and family is well would like to thank you for all your help and support with my house completion. You have helped a lot and have been really patient with me, as it’s my first time purchase I was unsure about a lot of process and I have been coming to you to understand and you have been extremely helpful and I feel without your help it would have not been possibly to complete The level of service I have received during this completion has been extremely satisfying. I wish you all the best for the New Year
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Thank you Russell for all of your assistance, you have been truly outstanding
    Equity Release, Life Time Mortgage Advice — Norwich, Norfolk
  • Howard recently set us up two mortgages and we couldn’t have asked for better service. Highly recommend. He really does seem to be available 24/7! We will definitely be using him again its time to re-mortgage.
    Independent Mortgage Advice — Norwich, Norfolk
  • I expect you will already know that I received my mortgage offer from the NatWest this afternoon.  I am absolutely delighted and I just wanted to send an email to you to thank you and your team for arranging this on my behalf. I am so happy and relieved that this hurdle has been jumped.  I look forward to hearing from you soon and look forward to moving to Beeston in due course.
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Just to say thank you for the mortgage advisor recommendation of using Broadland Consultants- both mortgages have been sorted, quickly & professionally. We are now 3 weeks into our building work, so far so good but got a a few months to go!!
    Independent Mortgage Advice, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Dear David, Now that we have completed the refinancing project.  I am writing to thank you for your amazing service. The fact that COVID-19 intervened was a hindrance to us all and I am very grateful to you for managing to keep things going and enabling the progression so very efficiently. I know you know how important the whole issue was to me and to my family and thank you for continuing to work through such a difficult time. I look forward to working with you again on my next project! Best wishes Margaret
    Pensions, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • We cannot thank Howard Jones at Broadland Consultants enough! We definitely were not the easiest case but Howard was determined and worked so hard on behalf of us to make our dream happen! We would never be sat in our new home without all of his hard work. We 100% Recommend Broadland Consultants! Thank you so much Howard!!
    Independent Mortgage Advice — Norwich, Norfolk
  • I received, what I consider to be the Rolls Royce of service. The advisor was friendly, polite, courteous and at every stage of the advice kept in close telephone contact, always ringing when he promised to. He provided me with a wide variety of options explaining and guiding me every step of the way, whilst leaving me to make my decision with confidence. My concerns were listened to and I was given a quality, individual service putting all my financial affairs in order.
    Equity Release, Life Time Mortgage Advice — Aylsham, Norfolk
  • All went well with the mortgage it is up and running and quite painless thanks to your efforts. Great service. We are seeing Mark next week and I will make sure to tell him of our satisfaction.
    Independent Mortgage Advice — Holt, Norfolk
  • It was good to meet you as well.  Thank you for giving us time.  We have thought about who to instruct to assist us, and have decided that we won't ask the other adviser for a meeting after all, on the basis that we would rather have the broader team at Broadland and the continuity that would come guaranteed with that over the course of the next few years - along with the fact that you are local and we were impressed with the meeting.
    Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk

  • Thanks so much for helping us both on this matter and we are both very grateful. I’m really glad that I met you Simon you are a person who keeps his word like me.
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Life Insurance Advice, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Secondly, thank-you for everything you've done, we truly appreciate you helping us, sorting us out and just being totally amazing, you really took a huge chunk of stress away with sorting all the mortgage and advice you gave us!! So thank-you! I will recommend you far and wide - best mortgage adviser ever!!
    Independent Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Could you also pass my thanks on to Howard? He has been excellent; calm, always responding quickly to queries and he has an incredible ability to do complex calculations in his head!
    Independent Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker — Norwich, Norfolk
  • Faultless service from Chris Spinks, who not only identified a great mortgage product, but managed the information flow to the lender to achieve a super-quick approval. He was also clear and proactive in terms of communication, taking the time and trouble to understand our priorities. Chris was a delight to deal with at every step and I will be recommending him to others.
    Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Being a first time buyer I was very anxious and without the help of Broadland Consultants and their total professionalism, the experience would have been a nightmare. I wouldn’t hesitate in recommending them.
    Independent Mortgage Advice, Insurance Advice — Norwich, Norfolk
  • Dear Simon, Thank you very much. I couldn't express my satisfaction enough for your help and look forward to seeking it again in the future
    Independent Mortgage Advice, Independent Financial Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Independent Financial Adviser, Independent Financial Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Howard! Many thanks for helping us sort out our mortgage for the house!! I don’t know what we would have done without you. As you can imagine moving has been hectic and I apologise for the slowness of our appreciation!
    Independent Mortgage Advice, Critical Illness Insurance Advice — Norwich, Norfolk

Three Steps To Success

We will help you every step of the way

Our expert mortgage and financial advisers are here to help you through the whole process of researching and arranging the very best financial solution for your specific circumstances.

01

Free No Obligation Initial Consultation

Contact Us to arrange a free, no obligation initial consultation.

02

Meet With Our Advisor

We can meet you at your home or office or at one of our office locations. Alternatively, via video conference or telephone.

03

Let Us Handle The Paperwork

Once we find the right deal we will collect all the relevant paperwork and process all the required admin on your behalf.

Contact Us For A Free No Obligation Initial Consultation

Online Chat

Chat to one of our specialist advisors online using our Live Text Chat service during working hours

Chat to an Adviser

Call Us

Our team of advisers are available on the phone to discuss your needs and arrange a consultation

Call 01603 343007

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You can complete our simple online form to arrange a consultation at your convenience

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