5 Star Rated Mortgage Adviser in Southall

Hearthstone Mortgages is your trusted mortgage broker for Southall. From our base in Gerrards Cross, we deliver expert mortgage advice to clients across UB1, UB2, and the wider West London area — with transparent, FCA-regulated support every step of the way.

Speak to us

Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.

100% Market Access
 

Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Reference number: 945282).

Here's What Our Clients Say.

Posted on Google Google
Aamir Shahmeer
9 September 2026
Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
Posted on Google Google
Sheikh Ahmad
27 August 2026
"Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly. As an first time buyer Thank you so much.
Posted on Google Google
Isabel Giles
16 August 2026
I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing. One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive. I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
Posted on Google Google
Manpreet Sanghera
10 August 2026
A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
Posted on Google Google
Suraj Kareer
10 July 2026
I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
Posted on Google Google
Shahid Hussain
30 June 2026
I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
Posted on Google Google
W Amd
3 February 2026
I really appreciate Very quick response Very professional 👍 sukhraj 👍
Posted on Google Google
Manpreet Grewal
6 January 2026
First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
Posted on Google Google
Rosina Kapoor
6 January 2026
Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process. Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
Posted on Google Google
azi choudry
20 November 2025
I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…
Our mortgage activity at a glance
153
Mortgages completed in 2026.
£27,191,837
Lending secured for our clients in 2026.
£239,643
Average mortgage secured for our clients in 2026.

Looking for a Mortgage Adviser in Southall

Hearthstone Mortgages is a 5-star rated, FCA-regulated mortgage adviser supporting homebuyers and landlords across Southall, UB1, UB2 and surrounding West London communities.

Whether you’re buying your first flat, upsizing to a family home, or exploring investment options, we deliver whole-of-market mortgage advice with a sharp focus on fast decisions, transparency, and long-term value.

Southall’s rich cultural mix, improved infrastructure, and new developments have made it increasingly popular with buyers. The average property price is £454,001, with terraced homes at £476,229, and flats averaging £301,562.

Hearthstone Mortgages is a trading name of Hearthstone Advisory Ltd. Authorised and regulated by the Financial Conduct Authority (FRN: 945282).

Why clients in Southall trust Hearthstone.

Mortgages, but not as you know them;

  • Whole-of-market advice – independent, unrestricted lender access
  • Same-day agreement in principle – get clarity fast, provided we have your full details
  • FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience
  • Property investors advising property investors – we’ve done it ourselves
  • Specialists in bridging, development & equity release
  • Award-winning, highly reviewed – verified 5-star Google ratings
  • Olympic ambition, real-world results – we aim high, deliver better
  • Film‑producer founded – creative, not corporate
  • FCA regulated & transparent – compliance meets clarity

Local Market Insight for Southall

  • Average property price in Southall: £454,001
  • Terraced homes sold for an average of £476,229
  • Flats averaged £301,562
  • Semi‑detached properties fetched £602,250
  • Prices were 3% up on the previous year and 6% above the peak of £427,376

Source: Rightmove Market Trends, Southall.

Our Mortgage Services.

First Time Buyer Mortgages

Navigate your first property purchase with specialist first-time buyer mortgage advice. Access Help to Buy schemes, 95% LTV deals, and expert guidance in Gerrards Cross.

High Net Worth Mortgages

Access sophisticated mortgage solutions for luxury properties with high net worth lending. Large loan amounts and bespoke terms.

Remortgaging

Save money and release equity with expert remortgage advice. Compare 90+ lenders for the best rates and switch deals in Gerrards Cross.

Home Mover Mortgages

Moving home made simple with expert home mover mortgage advice. Chain management, mortgage porting, and competitive rates in Gerrards Cross.

Buy-to-Let Mortgages

Build your property investment portfolio with buy-to-let mortgages. Rental income assessment and competitive investment finance in Gerrards Cross.

Self-Employed Mortgages

Overcome self-employed mortgage challenges with business owner finance expertise. Sole trader and limited company mortgage solutions.

Equity Release Mortgages

Access property wealth with later life mortgage solutions. Lifetime mortgages, home reversion plans, and expert equity release advice in Gerrards Cross.

Contractor Mortgages

Navigate mortgage applications as a contractor with specialist contractor mortgages. Day rate and contract income expertise for freelancers.

Mortgage Protection Advice

Protect your property investment and family security with mortgage protection advice. Life insurance and income protection solutions.

HMO Mortgages

Maximize rental yields with HMO mortgages. Multi-let property finance and higher rental returns for student and professional accommodation.

Holiday Let Mortgages

Capitalize on short-term rental opportunities with holiday let mortgages. Airbnb property finance and furnished holiday let expertise.

Expat Mortgages

Secure UK property finance from abroad with expat mortgages. Foreign income assessment and non-resident lending expertise.

Private Bank Mortgages

Access exclusive private banking mortgage solutions with relationship banking benefits. Bespoke terms and high-value property expertise.

Offset Mortgages

Optimize your mortgage with offset solutions. Reduce interest payments with linked savings and enjoy tax-free benefits in Gerrards Cross.

Shared Ownership Mortgages

Step onto the property ladder with shared ownership mortgages. Buy 25-75% of your home, rent the rest. Affordable homeownership in Gerrards Cross.

Help to Buy Mortgages

Maximize your purchasing power with Help to Buy mortgage schemes. Government equity loans, ISA bonuses, and new build property expertise.

New Build Mortgages

Secure financing for new build properties with specialist lenders. Off-plan purchases, Help to Buy schemes, and expert new build guidance.

Guarantor Mortgages

Enable family-supported homebuying with guarantor mortgages. 100% LTV options and family security for first-time buyers in Gerrards Cross.

Our Finance Broker Services.

Bridging Finance

Short-term property finance to help you move quickly when timing matters. Ideal for purchases, auctions or chain breaks, with funding arranged around your circumstances and exit plan.

Development Finance

Funding for residential and commercial property developments, structured around your project, build costs and timescales.

Auction Finance

Short-term property finance designed to meet auction timescales and completion deadlines.

Limited Company Buy-to-Let Mortgages

Mortgage advice for buy-to-let properties held in limited companies or SPVs, structured around your investment plans.

Portfolio Landlord Mortgages

Mortgage advice for landlords with multiple properties, helping structure lending across a growing portfolio.

Commercial Finance

Funding solutions for commercial property and business-related borrowing, structured around your plans and cash flow.

Refurbishment Bridging Loans

Short-term funding to upgrade properties before sale or letting. Serving landlords in Colchester and Southend-on-Sea.

Our Insurance Broker Services.

Life Insurance

Life Insurance provides financial security for your family if you die, helping to cover your mortgage, household bills and future living costs. It ensures the people who depend on you are protected when it matters most.

Critical Illness Cover

Critical Illness Cover provides a tax-free lump sum if you’re diagnosed with a serious illness covered by the policy. It can help clear or reduce your mortgage and give you financial flexibility while you focus on recovery.

Income Protection Insurance

Income Protection Insurance provides a regular income if you’re unable to work due to illness or injury. It helps cover everyday outgoings like your mortgage, bills and living costs, giving you financial breathing space when you need it most.

Family Income Benefit

Family Income Benefit pays a regular, tax-free income to your family if you die during the policy term. It helps replace lost income and cover everyday living costs, providing ongoing financial stability for those who depend on you.

Mortgage Payment Protection Insurance

Mortgage Payment Protection Insurance helps cover your monthly mortgage payments if you’re unable to work due to accident, illness or involuntary redundancy. It provides short-term financial support to help protect your home while you get back on your feet.

Landlord Insurance

Landlord Insurance is designed to protect rental properties, covering the building, landlord contents and risks such as damage, loss of rent and liability. It helps safeguard your investment and manage financial risk as a property owner.

Buildings and Contents Insurance

Buildings and Contents Insurance protects your home and belongings against risks such as fire, flooding, theft and accidental damage. It helps cover the cost of repairs or replacement, giving you peace of mind that your property and possessions are protected.

Let Us Find the Right Mortgage for You

Let us find the right mortgage for you. Work with a mortgage adviser who understands the Southall property market.

Want to get a head start? Download your credit report via Check My File to kickstart the process.

Proud to support the Local Community.

We’re proud to support mortgage clients across Southall and wider West London, helping buyers make smart property moves with clarity and confidence.

We proudly support:

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

Advice is delivered from our Gerrards Cross office and remotely; some advisers are based regionally: Tangmere, Chichester PO20 2FL

Charlotte Grahame - Administrator_Trainee Mortgage Adviser

Charlotte Grahame

Administrator - Trainee Mortgage Adviser

Europa House, Marsham Way Gerrards Cross, SL9 8BQ

Let us find the best mortgage for you.

Speak with a specialist who knows the local market.

Want to get a head start? Download your credit report via Check My File, to kick start the process.

What our clients think:

Posted on Google Google
Aamir Shahmeer
9 September 2026
Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
Posted on Google Google
Sheikh Ahmad
27 August 2026
"Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly. As an first time buyer Thank you so much.
Posted on Google Google
Isabel Giles
16 August 2026
I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing. One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive. I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
Posted on Google Google
Manpreet Sanghera
10 August 2026
A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
Posted on Google Google
Suraj Kareer
10 July 2026
I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
Posted on Google Google
Shahid Hussain
30 June 2026
I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
Posted on Google Google
W Amd
3 February 2026
I really appreciate Very quick response Very professional 👍 sukhraj 👍
Posted on Google Google
Manpreet Grewal
6 January 2026
First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
Posted on Google Google
Rosina Kapoor
6 January 2026
Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process. Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
Posted on Google Google
azi choudry
20 November 2025
I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

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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.

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