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.
Leave your details and one of our local advisers will be in touch to help you take the next step.
Helping first-time buyers secure the right mortgage with tailored support.
Custom solutions for complex income and large mortgage needs.
Clear mortgage advice for freelancers and business owners.
Helping first-time buyers secure the right mortgage with tailored support.
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.
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.
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.

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

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

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

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

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.
The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.
Office Manager and Senior Adviser
Europa House, Marsham Way Gerrards Cross, SL9 8BQ
Specialist Mortgage & Development Finance Adviser
Tangmere, Chichester PO20 2FL
Administrator - Trainee Mortgage Adviser
Europa House, Marsham Way Gerrards Cross, SL9 8BQ
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.
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Just pop in your details and one of our expert mortgage advisers will personally reach out to help you take the first step.
Fast answers. Friendly advice. Free consultation.