Tailored Mortgage Solutions to Meet Your Needs

At The Mortgage Stone, we specialise in providing expert mortgage and protection advice tailored to your unique circumstances. Whether you’re a first-time buyer, looking to remortgage, or seeking protection for your home and family, our team is here to guide you every step of the way. We offer clear, professional advice to help you make confident decisions for a secure financial future.

Purchase

Buying a home is one of the biggest decisions you’ll make. Whether you’re a first-time buyer or moving to a new property, we provide expert guidance to help you secure the right mortgage for your purchase.

  • Who It’s For:
  • First-time buyers.
  • Home movers.
  • Those seeking competitive mortgage rates and terms.
  • Benefits:
  • Access to a wide range of lenders and exclusive deals.
  • Expert advice to navigate affordability and eligibility criteria.
  • Step-by-step support from application to completion.
  • Why Choose Us:
  • 60+ years of combined experience
  • Our team simplifies the process, ensuring you feel confident at every stage of your home-buying journey.

Remortgaging

Looking to save money, release equity, or secure a better deal on your existing mortgage? Our remortgaging services can help you achieve your financial goals.

  • Who It’s For:
  • Homeowners with an expiring fixed-rate term.
  • Those seeking to reduce monthly payments or consolidate debt.
  • Clients looking to release funds for home improvements or investments.
  • Benefits:
  • Regular reviews on the rates to make sure you are getting the most suitable deal possible until the mortgage completes.
  • Access to competitive remortgaging rates.
  • Advice tailored to your financial objectives.
  • Hassle-free process with dedicated support throughout.
  • Why Choose Us:
  • We ensure you get the right deal for your changing circumstances, saving you time and money.

Buy-to-Let

Investing in rental properties? We offer specialist advice and tailored mortgage options to help you build or expand your property portfolio.

  • Who It’s For:
  • First-time landlords.
  • Company Buy To Let Mortgage
  • Remortgages
  • Experienced investors seeking competitive terms.
  • Clients looking to refinance existing buy-to-let properties.
  • Benefits:
  • Access to lenders with buy-to-let expertise.
  • Insights into rental income and affordability criteria.
  • Tailored advice for short-term and long-term investment goals.
  • Why Choose Us:
  • Our expertise in the rental market ensures you secure the right mortgage while maximising your investment potential.

Life Insurance

Protect your loved ones financially with a comprehensive life insurance plan that pays out in the event of unforeseen circumstances.

  • Who It’s For:
  • Homeowners who want to ensure mortgage payments are covered.
  • Families seeking peace of mind for their financial future.
  • Benefits:
  • Flexible policies tailored to your family’s needs.
  • Access to a range of trusted providers.
  • Competitive premiums with comprehensive coverage.
  • Expert advice to choose the most suitable plan for your circumstances.
  • We ensure your loved ones are protected, offering the security and peace of mind that comes with a well-structured policy.

Critical Illness Cover

Secure your health and well-being with a tailored health insurance policy that provides access to private medical care when you need it most.

  • Who It’s For:
  • Individuals and families seeking private healthcare.
  • Employers looking to offer employee health benefits.
  • Benefits:
  • Quick access to specialist treatments and consultations.
  • Flexible coverage options to suit your needs.
  • Competitive pricing with top providers.
  • Our tailored advice helps you navigate the complex world of health insurance, ensuring you receive the most suitable care available.

Family Income Benefit

Safeguard your income in case of illness or injury that prevents you from working, ensuring you can maintain your lifestyle and financial obligations.

  • Who It’s For:
  • Self-employed individuals.
  • Salaried employees.
  • Families dependent on a primary earner.
  • Benefits:
  • Regular income payments during periods of inability to work.
  • Customisable policies to match your income and expenses.
  • Peace of mind knowing you’re financially secure.
  • We work with leading providers to create a safety net tailored to your needs, so you’re prepared for any eventuality.

Accident Protection

Buying a home is one of the biggest decisions you’ll make. Whether you’re a first-time buyer or moving to a new property, we provide expert guidance to help you secure the right mortgage for your purchase.

  • Who It’s For:
  • Everyone!
  • Benefits:
  • No medical underwriting.
  • Standard price – starting from just £10 per month.
  • Additional cover for your children.
  • Additional cover for those with active lifestyle.
  • GP 24/7 for you and your family.
  • Why Choose Us:
  • Policy exclusive to brokers

Think carefully before securing other debts against your home YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE or any other debt secured on it

Most Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority

Our Services Via Our Trusted Partners

Commercial mortgages

Tailored financial solutions for purchasing or refinancing commercial properties, helping businesses secure the right funding for their growth.

Wealth Management

Comprehensive financial planning services, designed to grow, protect, and manage your assets for a secure financial future.

Bridging Loans

Short-term financial solutions designed to bridge funding gaps for property purchases or other urgent financial needs.

Wills & Trusts

Expert guidance to ensure your assets are distributed according to your wishes, safeguarding your family’s future through comprehensive estate planning.

Semi-Commercial

Specialised mortgage solutions for mixed-use properties, combining residential and commercial spaces under one plan.

Conveyancing

Professional legal services for buying or selling properties, ensuring a smooth and efficient transfer of ownership.

Commercial Mortgages are not regulated by the Financial Conduct Authority. Commercial Mortgage Advice is an introductory service. The Openwork Partnership accepts no responsibility for this aspect of our business.

Wills writing is not part of The Openwork Partnership offering and is offered and is offered in our own right. The Openwork Partnership accepts no responsibility for this aspect of our business. Will writing is not regulated by the Financial Conduct Authority.

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

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable in any other country that may have access to it.

The Mortgage Stone is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345

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