Why Choose Us?

Why Choose Middleton Finance

Stress-Free UK Mortgages, Expertly Guided for Over 20 Years

Finding the right mortgage doesn’t have to be stressful. At Middleton Finance, we make the process simple, transparent, and tailored to your needs. Whether you’re a first-time buyer, moving home, self-employed, or investing in property, I guide you every step of the way — so you can focus on what matters most.

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Trusted Expertise You Can Rely On

CeMAP-qualified - Professional, expert mortgage guidance
Nearly 20 years’ experience - Helping first-time buyers, movers, self-employed clients, and property investors across the UK
100+ five-star client reviews - Proof of stress-free, clear guidance
Established since 2009 – Trusted and experienced UK mortgage specialist

“Very fast responses, brilliant to work with. Always answers the phone anytime of the day — will certainly use again for our next house.”

Robert Mellor

Chesterfield

Why We’re Different

1. Access to the Mortgage Market
We work from a comprehensive panel which is representative of the whole of the market. I will recommend solutions tailored to your circumstances — including deals not always available directly through banks. More options mean better rates and a smoother application process.
2. Personalised Guidance
Every client is unique. I explain options in plain English, tailor the process to your circumstances, and make sure you feel confident with every decision.
3. Deep Knowledge of Lenders
I understand how lenders assess applications and which products are best suited to each client — especially valuable for self-employed borrowers, limited company buy-to-lets, or complex financial situations.
4. Paperwork & Process Management
From forms to follow-ups, I handle all lender communication on your behalf — saving you time, reducing stress, and keeping your application moving smoothly.
5. Proven Reputation & Trust
With nearly 20 years in the industry and over 100 verified five-star reviews, Middleton Finance is trusted for clear, reliable, and professional mortgage guidance.

How It Works – Step by Step

Initial Consultation – A relaxed, no-obligation chat to understand your goals and answer your questions
Mortgage Search – Mortgage market analysis to find the most suitable options
Application Support – I handle all paperwork and lender communication for you
Completion & Follow-Up – Smooth completion with ongoing guidance if needed

Fees & Transparency

Initial consultation– No obligation, just clear guidance
Mortgage advice fee – Standard £399, payable only once your mortgage offer is issued
Fully transparent – You’ll always know any fees upfront

There are no hidden charges — everything is agreed in advance so you always know where you stand.

Middleton Finance has been helping clients across the UK since 2009, delivering expert guidance, proven results, and a stress-free mortgage experience.

Ready to Find Your Ideal Mortgage in the UK?

Whether you’re buying your first home, moving, remortgaging, or investing in property, I make the process simple, stress-free, and fully transparent.

SCOPE

I have access to over 2,000 mortgage products from across the market and i’m able to identify the best fit for your specific requirements and circumstances. Many banks and building societies are only able to offer a limited range of products. Today most banks and building societies deal through mortgage brokers.

PERSISTENCE

Since the FCA Mortgage Market Review and associated regulations came into force in April 2014, qualifying for a mortgage has become harder. Mortgage brokers are required by law to ask you far more detailed questions about your financial affairs to be sure you can afford your repayments. I am proud of my track record in finding mortgages for borrowers whose financial situation is ‘challenging’. For example, you and/or your partner may be self-employed and have ‘erratic’ earnings.

KNOWLEDGE

I know what the mortgage application process is like for each lender. I understand the specific background criteria each lender is looking for; which lenders process applications more quickly; how to exert influence when needed.

DOCUMENTATION

I provide you with a ‘key facts illustration’ for each mortgage I recommend. I also complete and submit all the paperwork to the lender on your behalf.

REPUTATION

I have been in business for over 15 years. I have received awards and recognition from my peers in the mortgage industry and I am often asked for my opinion on the mortgage matters by the national and local press.

PRUDENCE

Choosing the wrong mortgage can, literally, cost you thousands. Furthermore, some mortgages come with additional fees and charges which can catch you out. I save you money. As a registered broker I have a duty of care towards my clients and I have to clearly justify why the mortgage I have selected is right for you.

SIMPLICITY

I make the mortgage process simple and straightforward. Contrary to popular belief, mortgages are more complex than they might first appear: rate, term, lender, features, insurance and so on.

SPEED

Depending on the urgency of your mortgage requirements I am often able to respond to your enquiry with in 24 hours of being contacted. I am dealing with lenders every day. Consequently I am able to chase up queries more effectively