First-time buyers
A clear plan and an agreement in principle, jargon explained as we go.
Learn more →Whole-of-market mortgage & protection advice
A mortgage broker who actually talks to you
FCA authorised
5.0 ★ on Google
90+ lenders compared
We compare more than 90 lenders to find the right deal for you, then stay with you from your first question to the day you pick up the keys. First-time buyers, home movers, remortgages, buy-to-let and protection, advised by a real, named person.
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FCAAuthorised & regulated
900+5.0 ★ Google rating
90+Lenders compared
FreeInitial consultation
★★★★★ 5.0
Reviewed by real clients on Google
Read what the people we’ve helped say.
How we can help
What are you looking to do today?
Home movers
Timing your mortgage around the chain, not the other way round.
Learn more →Remortgages
Start six months out, lock a rate, switch again if the market improves.
Learn more →Protection & insurance
Life, critical illness and income cover arranged alongside your mortgage.
Learn more →Meet the team
Real advisers you can actually speak to
Every recommendation is explained in plain English, by the same person from first call to completion.
Mortgage & Protection BrokerLucy Wise
Lucy is in Southend-on-Sea, where most of her clients are first-time buyers and young families.
Mortgage & Protection BrokerRoy Archer
Roy is one of our longest-serving brokers, based in Romford, with more than 35 client reviews on our site.
Mortgage & Protection BrokerMartin Hunt
From Maldon, Martin covers the Blackwater villages for buyers, movers and landlords. 30 client reviews on our site so far.
Mortgage & Protection BrokerStuart Grimmer
Stuart is our broker in Hadleigh, with more than 25 client reviews on our site.
Mortgage & Protection BrokerHelen Jones
Helen is based in Billericay, advising first-time buyers, movers and people remortgaging. Nearly 20 client reviews on our site.
Mortgage & Protection BrokerPriyesh Dhanak
You’ll find Priyesh in South Woodford. More than 20 clients have left him a review on our site.
Mortgage & Protection BrokerLisa Lee
Lisa advises from Great Dunmow on mortgages and protection, with more than 15 client reviews on our site.
Mortgage & Protection BrokerBhupinder Ahir
You’ll find Bhupinder in Rainham, Essex, advising people who are buying, moving or reviewing their mortgage.
Mortgage & Protection BrokerGlenn Ratcliff
Thorpe Bay is Glenn’s base for mortgage and protection advice. More than 10 clients have reviewed him on our site.
Mortgage & Protection BrokerShane Henstock
Shane helps people in Leigh-on-Sea buy, move or sort their next deal, with a dozen client reviews on our site.
Mortgage & Protection BrokerLeanne Trotman
Leanne advises on mortgages and protection in Upminster, with more than 10 client reviews on our site.
Mortgage & Protection BrokerStephen Wright
Stephen is our Hornchurch broker, working with local buyers, movers and homeowners.
Mortgage & Protection BrokerGanga Pillai
Ganga advises in and around Loughton and has picked up more than 30 client reviews on our site.
Mortgage & Protection BrokerSharon Levine
Sharon works mostly with home movers and families across Watford and Hertfordshire. More than 20 clients have reviewed her on our site.
Mortgage & Protection BrokerNazir Kaker
Nazir is our broker in Kingston upon Thames, with a dozen client reviews on our site.
Mortgage & Protection BrokerOzge Kalay
Ozge is our Ilford broker, advising local clients on mortgages and protection.
Mortgage & Protection BrokerGreg Potts
Greg covers Kent from Rainham. Home movers, landlords and remortgages make up much of his work.
Mortgage & Protection BrokerKulvir Biriah
Kulvir is our business protection specialist, advising the self-employed and business owners UK-wide.
Mortgage & Protection BrokerJemma Lewis
Jemma is based in Saffron Walden, helping buyers, movers and homeowners in the town and the villages around it.
Mortgage & Protection BrokerGary Hazeltine
Gary is based in Benfleet, with more than 15 client reviews on our site for his mortgage and protection advice.
Mortgage & Protection BrokerSacchin Ahir
Sacchin helps buyers, movers and homeowners around Rainham in Essex with their next step.
Mortgage & Protection BrokerTracy Bowdidge
Tracy has over 20 years in financial services, including 13 at Barclays, and advises on mortgages and protection across Chelmsford, mid-Essex and the wider UK.
Mortgage & Protection BrokerChris Gallagher
Chris is our broker in the North West, covering Southport and Merseyside, with 10 client reviews on our site.
Mortgage & Protection BrokerZoe Tate
Zoe covers the Dengie Peninsula in Essex and has more than 40 client reviews on our site, the most of any of our brokers.
Mortgage & Protection BrokerBen Henstock
Ben advises from Leigh-on-Sea and already has more than 15 client reviews on our site.
Mortgage & Protection BrokerJoe Whittaker
Joe joined us in 2025 and works with buyers, movers and homeowners around Rayleigh.
Protection BrokerGabriela Brito
Gabriela focuses on protection. Life insurance, critical illness and income protection, from her base in Watford.
Where we have helped clients
From London to Glasgow, advice wherever you are in the UK
Why use a broker
A lender shows one shelf. We show you the whole market.
With City Mortgage Solutions Limited
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you can move fast
- Application managed end-to-end, alongside your solicitor
Going direct to one bank
- Only that bank’s own products
- You self-select the lender before knowing if their criteria fit
- Appointment lead times set by branch availability
- Progress-chasing sits with you
Your home may be repossessed if you do not keep up repayments on your mortgage.
Common questions
Common questions
Yes. We work with first-time buyers every week, explaining each step in plain English and finding a mortgage matched to your deposit, income and the property you want.
No. Your first conversation is free and comes with no obligation. See our Fees page for full details on when a fee may apply.
More than 90, including deals only available through brokers, so you see far more of the market than going direct to one bank.
Yes. You’re matched with one named adviser who stays with you from your first call through to completion.
Why choose us
A whole-of-market mortgage broker, not a single bank
Most banks can only offer their own mortgage products. As a whole-of-market mortgage broker, City Mortgage Solutions Limited compares deals from more than 90 lenders, including high-street names and specialist lenders that only work through brokers, so you see a wider slice of the market before you commit to a rate.
Whether you're a first-time buyer working out how much you can borrow, a home mover juggling a chain, remortgaging before your current deal ends, or a landlord structuring a buy-to-let purchase, our advisers search the market on your behalf and manage the mortgage application from your first call through to the day you complete. Every adviser is CeMAP qualified, and every recommendation comes with a plain-English explanation of why it fits your circumstances.
What sets a broker apart from going direct to a bank
- Independent comparison across the whole mortgage market, not one lender's product range
- Support for first-time buyers, home movers, remortgages, buy-to-let, self-employed applicants and protection needs
- One named, FCA-regulated adviser from your first enquiry to mortgage completion
Free, no-obligation consultation
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