Mortgage Advisor Warwick

Straightforward mortgage support for anyone buying, moving or remortgaging in Warwick

Our Services

Warwick Mortgage Advice

First Time Buyers

First Time Buyers Mortgage Advisor

Warwick is a fantastic place to begin your homeownership journey, with everything from riverside apartments to period homes near the historic castle. Buying your first home can feel overwhelming, but we’ll explain the process step by step, help you work out how much you can borrow, and secure a mortgage that suits your budget.

Remortgaging

Remortgaging

If your fixed rate is ending or you’re considering raising funds, remortgaging could be the solution. Whether you want to reduce your monthly outgoings or release equity for renovations, we’ll search the market for a deal that fits your needs and future plans.

Moving Home

Moving Home

Thinking of upsizing, downsizing, or relocating within Warwickshire? We’ll take care of the mortgage side, whether that means porting your current deal or arranging a completely new mortgage. Our aim is to make your move as stress-free as possible.

Buy To Let

Buy To Let

Warwick’s thriving student and professional rental market, boosted by nearby Warwick University and Coventry, makes it appealing for landlords. Whether you’re new to investing or adding to your property portfolio, we’ll help you find a buy to let mortgage that supports your long-term investment goals.

Warwick Mortgage Advisor

Why Choose Us?

We make mortgages simple. Our advice is clear, independent, and tailored to your circumstances. By managing the paperwork and keeping you informed, we take the stress out of the process so you can focus on your home and family.

Why Choose Tom Garvie Mortgages?
Tom Garvie Mortgages provides whole of market access

More Mortgage Options, Better Deals

Whole Of Market Access

Unlike banks that can only offer their own products, we search the whole market, including exclusive broker-only deals. This means more choice, better rates, and solutions suited to your personal situation.

Other Services

Protection

Your mortgage is one of your biggest financial commitments, so it’s important to protect it. Life Insurance covers your family if the worst happens. Critical Illness Cover provides a lump sum if you’re diagnosed with a serious condition. Income Protection ensures you have a regular income if illness or injury stops you from working. We’ll help design a protection plan that fits your needs.

Protection Services

5 Star Service

See What Our Clients Say

EXCELLENT
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Based on 115 reviews
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Jenny Rankin
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Tom and Stella provided us with an absolutely fantastic service from start to finish! We couldn't have got through the mortgage and purchasing process without them. They held our hand throughout, going above and beyond. We would definitely recommend them without any hesitation.
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M S
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Excellent service. Tom really did help me out with sorting my mortgage. The house move was not the smoothest but Tom was always on hand which really was appreciated. Would highly recommend. Thank you
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Julie Kendall
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Alan Cooper Estate Agents recommended Tom Garvie to help us mortgage our new home. Right from day 1, I felt that we were in good hands with Tom and Stella. I can remember calling after 6pm one night thinking it would go to messages but no, Tom answered and even though he was on a walk, still took the time to speak with me. The mortgage was sorted so quickly and when the chain broke and the offer expired , within days a new offer was through. Stella emailed often throughout the whole process checking that all was ok. Excellent service. Thank you both.
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Ted Ball
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Massive Thank you to Tom and his Team. Very Professional and knowledgeable. Helped me every step of the way buying my first home. Will definitely be going back when it comes to remortgaging. Highly recommend to anyone !
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Ryan Witts
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I was needing a remortgage as I was coming to the end of my five year fixed mortgage. Warren was incredibly supportive and helpful throughout the entire process, which really took away any stress. I would and have recommended Warren to my family, friends & colleagues. I would highly recommend to anyone.
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Toby Ward
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I highly recommend this company and Thomas Fuller's help in securing a good mortgage for myself, and also helped look at other insurance products for myself. He made the process painless and very quick, which has been much appreciated!
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Sariah Gallacher
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Had a great service with Tom, Stella and team. Very efficient and communicated great through the process. Will definitely be using them again.
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Jack Reed
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Have worked with Tom and Stella for multiple remortgages on our property, and they are professional, personable and excellent with their communication. They are a formidable team and business if you are looking for mortgage services. Wouldn't look anywhere else. Highly recommended.
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Andrea Parker
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A professional and friendly service was received from Tom and Stella. The process was very smooth and pain free and I would have no hesitation in recommending them. Thanks guys!
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Elizabeth Payne
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Absolutely great support. Always at the end of the phone, really friendly team and they acted extremely quickly. Whole process sorted in less than a week without me really needing to do anything! Fully recommend for first time buyers. They made the process so simple.

Warwick Mortgage Advice

Did You Know?

Warwick Castle is over 1,100 years old - One of the UK’s most famous castles, it attracts visitors worldwide and helps make Warwick such a desirable place to live.
Warwick has excellent transport links - With direct trains to Birmingham and London, and easy access to the M40, it’s a popular choice for commuters.
The town is home to a thriving community - From historic architecture to vibrant markets and festivals, Warwick offers a high quality of life that supports a strong property market.

Our Most Frequently Asked Questions

FAQ's

Is Warwick a good place for first-time buyers?

Yes, Warwick offers a mix of modern developments and historic homes, making it appealing to first-time buyers who want both character and convenience.

No, you’re free to choose your own solicitor. We can recommend trusted local options if you’d like guidance.

Yes, some lenders have products designed for professionals starting out. We’ll explore these to see if they’re suitable for you.

Is remortgaging in Warwick worth it if rates are rising?

It can be, especially if your current deal is ending. Securing a new rate could protect you from higher costs in the future.

Yes, many people remortgage to release equity for extensions, renovations, or even energy efficiency upgrades.

Not necessarily — sometimes staying with your current lender and switching to a better deal is the best option.

Can I transfer my current mortgage to a new property in Warwick?

Often yes, this is called porting. We’ll check whether your lender allows it and if it’s your best option.

This depends on your next property’s value and how much equity you have in your current home. We’ll calculate it for you.

Yes, most will want an Agreement in Principle before accepting your offer, which we can arrange quickly.

Is Warwick a strong area for buy-to-let investment?

Yes, with its proximity to Warwick University and local employers, rental demand remains steady for both students and professionals.

Usually yes, as lenders treat student properties differently from standard rentals. We’ll find lenders comfortable with this type of let.

Most lenders ask for at least 25%, though some may accept less with the right circumstances.