Tom Garvie Mortgage Services

Whole Of Market Mortgage Advice

At Tom Garvie Mortgage Services we put our clients at the heart of what we do.

The strong relationships we have with our clients are built on providing an unrivalled level of service and honest, tailored advice that meets your needs both now, and in the future.

We offer a whole of market mortgage advice service with access to thousands of mortgage schemes many of which are not available direct with high street lenders. This provides you with a much broader choice of mortgage products and the best possible opportunity for us to secure the right mortgage for you. 

As a client of Tom Garvie Mortgage Services you’ll be provided with excellent advice and assistance through your transaction, we’ll even assist with your solicitor paperwork at no extra cost.

We'll be on hand to assist with...

Finding & securing your new home

We’ll get you ahead of the competition! Ensuring you’re financially prepared with an agreement in principle so you’re ready to secure your new home!

Advising you on the right mortgage

Your whole of market mortgage advisor will ensure you receive the right advice for your circumstances. Proceeding with the right mortgage product and being comfortable with your monthly payments has never been more important!

Recommending an excellent solicitor

Our long-standing relationships with local solicitors will ensure you’re in safe hands. Conveyancing solicitors are a key part of the home buying process, we only recommend solicitors we have personally used for our own property transactions, tried & tested!

Arranging your tailored insurance

Making sure you have the right protection for your home, income & family has never been more important. Your mortgage & insurance advisor will clearly explain all of your options and ensure you receive the right advice for your circumstances.

Ensuring you’re well informed throughout

You’ll have dedicated contact from your mortgage advisor and mortgage processor throughout your home buying journey. We’ll keep you updated every step of the way to ensure your purchase is a memorable one for all the right reasons!

Being on hand from start to finish

We’ll be on hand to answer any questions you may have, from solicitor paperwork to surveyor reports – you can rest assured we’re at the end of the phone or email ready to help!

Ask Us Anything. anytime.

If you’re looking for mortgage advice be sure to get in touch.

Take a look at what our clients have to say

Robert Walker
7. June, 2022.
After having other mortgage advisors tell me I could not get the mortgage and prolonging my purchase by about 6 months, I was put in touch with Tom through Fearn Malone estate agents in Coventry and he is the best around as far as I'm concerned, he had me a mortgage offer within 2 weeks and the whole process is going forward smoothly and quickly, Couldn't be happier! Thank you Tom!
Mike B
28. May, 2022.
Absolutely Brilliant Mortgage Advising Service! Couldn’t Recommend Enough… Saved Me So Money On My First Home.
Phil George
4. April, 2022.
Cant't fault Tom or Stella. From the very beginning they were honest and knowledgeable and kept us up todate with things. Had to change the property we were buying and change the mortgage over, but no hassle or problems, all dealt with very quickly. Definitely recommend them.
Jad Woolley
17. February, 2022.
I have just bought my first home. Tom and Stella were excellent. They answered all my questions, even the ones not mortgage related. They got me a good mortgage price and made the process much easier. Highly recommended.
Yasmin Brough
4. February, 2022.
I have just bought my first home with the help of Tom and Stella, and I genuinely can’t thank them both enough for all of their help and support throughout the process. They went above and beyond to make sure that everything ran smoothly, they made sure that I understood each part of the process and were always on hand if I needed them. I would strongly recommend using their services, especially if you are a first time buyer like myself. Thank you Tom and Stella!! ❤️❤️
Guy Houghton
7. January, 2022.
We've used Tom Garvie for many mortgages and have always enjoyed a professional and attentive, friendly experience.

Frequently asked mortgage questions

A mortgage broker is an intermediary who acts on your behalf to understand your circumstances and advise you on the right mortgage for your requirements. Tom Garvie Mortgage Services is a trusted and reliable mortgage advisor covering the whole of the UK from our head office in Hinckley. We are fully qualified mortgage advisors who are honest and trusted by our clients.

An expert, fully qualified mortgage advisor will save you both time and money. We can access mortgage products that are not available direct with high street banks and we are also open far beyond 9am-5pm for your convenience. 

The average time from submitting a mortgage application to receiving the fully approved mortgage offer is between 1 and 3 weeks.

A mortgage can be taken out for as many or as little years as you would like. The longer the mortgage term the smaller your monthly payments will be. However a longer term also means you will pay more interest. Your trusted mortgage advisor will ensure you have the right mortgage term for your circumstances.

As your expert mortgage advisor, we will ensure that you understand all the options available to you. We will discuss the key features of each mortgage product with you, and provide you with honest, tailored advice on which mortgage product best fits your circumstances.

A repayment mortgage is where your monthly payment is made up of two parts. The interest owed to the bank, and the capital to repay your mortgage. With a repayment mortgage, your outstanding mortgage balance reduces each month as you will be gradually paying off your mortgage balance. By the end of your mortgage term, your mortgage will be fully repaid and you will own your property.

Mortgage offers are typically valid for 6 months, giving you plenty of time to complete your purchase or remortgage.