Hearthstone Mortgages are a 5-star rated mortgage broker in Gerrards Cross, Buckinghamshire.

Simplifying the Mortgage Process for You.

Confused by mortgage lender criteria, affordability rules, or what you can realistically borrow? We simplify the mortgage process, help you avoid common pitfalls, and guide you with clear, practical advice.

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Here's What Our Clients Say.

How we can help you.

Residential

First Time Buyer Mortgages

Helping first-time buyers secure the right mortgage with tailored support.

Specialist

High Net Worth Mortgages

Custom solutions for complex income and large mortgage needs.

Specialist

Self Employed Mortgages

Clear mortgage advice for freelancers and business owners.

Investment

Limited Company Mortgages

Helping first-time buyers secure the right mortgage with tailored support.

Mortgages completed in 2025.
532
Lending secured for our clients in 2025.
£ 87667390
Average mortgage secured for our clients.
£ 194094

Whole-of-market mortgage advice built around you.

Everyone’s needs are different. Our advisers take the time to understand your full financial picture before recommending a mortgage, insurance or specialist finance solution that actually fits. We support home buyers, homeowners and landlords with clear, whole-of-market advice, helping you navigate lender criteria, affordability rules and complex scenarios with confidence.

Experienced mortgage advisers for buyers and homeowners.

Our advisers work with buyers and homeowners every day, supporting first-time buyers, home movers and those remortgaging in a wide range of scenarios. We understand how property types, pricing and lender criteria can vary, and we use that practical knowledge to guide decisions that stand up to real-world lending.

We bring practical experience to every recommendation and treat each mortgage with the same care as our own.

Specialist mortgage advice for all cases.

Some mortgage cases need more than a standard approach. Our advisers regularly support clients locally with complex income, self-employed and contractor mortgages, buy-to-let, and higher-value lending. We understand how lender criteria can differ depending on circumstances and property type, especially in commuter markets.

We’re used to dealing with challenging scenarios and finding practical routes forward when others can’t.

Our Services.

Hearthstone mortgages

Mortgage Broker Servcies

Mortgage advice for buyers, homeowners and landlords, from first homes to complex borrowing.

Hearthstone Finance

Finance broker Services

Specialist funding for property and commercial projects, including bridging, development, auction and refurbishment finance.

Hearthstone Protection

Insurance broker Services

Life, income and property insurance arranged to protect your family, home and livelihood.

Hearthstone Accounting

Accounting Services

We know business and property finance inside out, now, Hearthstone is expanding into accounting with a full suite of expert services.

Hearthstone Protection

Wills &
Estates

Over 50% of UK adults don’t have a will. Are you one of them? Protect your loved ones and assets—plan for the future today.

Meet the Hearthstone Mortgages Team.

The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.

Ajay Nayyar - Founder and Managing Director

Ajay Nayyar

Founder and CEO

Europa House, Marsham Way Gerrards Cross, SL9 8BQ

Jordanne Whiley MBE - Office Manager and Senior Adviser

Jordanne Whiley MBE

Office Manager and Senior Adviser

Europa House, Marsham Way Gerrards Cross, SL9 8BQ

Hardik Patel - Mortgage Adviser

Hardik Patel

Europa House, Marsham Way Gerrards Cross, SL9 8BQ

Satbeer Singh - Mortgage Adviser and Lead Accountant

Satbeer Singh

Mortgage Adviser and Lead Accountant

Sukhraj Samra - Mortgage Broker

Sukhraj Samra

Mortgage Broker

Europa House, Marsham Way Gerrards Cross, SL9 8BQ

Jamie Boxall - Specialist Mortgage & Development Finance Adviser

Jamie Boxall

Specialist Mortgage & Development Finance Adviser

Tangmere, Chichester PO20 2FL

Charlotte Grahame - Administrator_Trainee Mortgage Adviser

Charlotte Grahame

Administrator - Trainee Mortgage Adviser

Europa House, Marsham Way Gerrards Cross, SL9 8BQ

The Industry Disruptors Podcast.

Welcome to The Industry Disruptors the podcast that transforms the often dull and overlooked world of mortgages into an engaging and enlightening experience. Hosted by mortgage experts Ajay Nayyar & Jordanne Whiley MBE, this podcast is dedicated to demystifying the complexities of property with a refreshing blend of humor, straightforward advice, and insider insights.

Expert Mortgage Advice on:

What clients think of Hearthstone Mortgages.

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