5 Star Rated Mortgage Broker in High Wycombe

Hearthstone Mortgages is your trusted partner for expert mortgage advice in High Wycombe. Based in Gerrards Cross, we understand the local market and provide tailored lending and protection solutions to help you secure your future.

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.

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.

Our mortgage activity at a glance

Mortgages completed in 2026.

£7,415,013

Lending secured for our clients in 2026.

£181,798

Average mortgage secured for our clients in 2026.

JavaScript is disabled, so this widget is showing the default year only.

Looking for a Mortgage Adviser in Wycombe

We’re Hearthstone Mortgages, an FCA-regulated, 5-star rated mortgage advisory firm based in Gerrards Cross, proudly supporting clients in High Wycombe and surrounding Buckinghamshire areas.

Whether you’re buying your first home, moving house, investing in property, or looking to remortgage, we’ll help you navigate the process clearly and quickly, with whole-of-market access and specialist knowledge.

Our advisers aren’t just experts, we’re qualified professionals who invest in property ourselves. You’ll get clear advice, same-day mortgage approvals (when we have your details), and full application support from start to finish.

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

Why clients in Wycombe 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 finance & 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 Wycombe

Average property price in High Wycombe: £383,761
Semi-detached homes sold for an average of £430,592
Flats averaged £224,841
Terraced properties fetched £369,383
Prices were 1% up on the previous year and 2% above the peak of £375,626

Source: Rightmove Market Trends, High Wycombe.

Our Mortgage Services.

Residential Mortgages

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.

Found out more about First Time Buyer Mortgages

Specialist Mortgages

High Net Worth Mortgages

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

Found out more about High Net Worth Mortgages

Residential Mortgages

Remortgaging

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

Found out more about Remortgaging

Residential Mortgages

Home Mover Mortgages

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

Found out more about Home Mover Mortgages

Investment Mortgages

Buy-to-Let Mortgages

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

Found out more about Buy-to-Let Mortgages

Specialist Mortgages

Self-Employed Mortgages

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

Found out more about Self-Employed Mortgages

Residential Mortgages

Equity Release Mortgages

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

Found out more about Equity Release Mortgages

Specialist Mortgages

Contractor Mortgages

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

Found out more about Contractor Mortgages

Residential Mortgages

Mortgage Protection Advice

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

Found out more about Mortgage Protection Advice

Investment Mortgages

HMO Mortgages

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

Found out more about HMO Mortgages

Investment Mortgages

Holiday Let Mortgages

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

Found out more about Holiday Let Mortgages

Specialist Mortgages

Expat Mortgages

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

Found out more about Expat Mortgages

Specialist Mortgages

Private Bank Mortgages

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

Found out more about Private Bank Mortgages

Residential Mortgages

Offset Mortgages

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

Found out more about Offset Mortgages

Residential Mortgages

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.

Found out more about Shared Ownership Mortgages

Specialist Mortgages

Help to Buy Mortgages

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

Found out more about Help to Buy Mortgages

Residential Mortgages

New Build Mortgages

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

Found out more about New Build Mortgages

Specialist Mortgages

Guarantor Mortgages

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

Found out more about Guarantor Mortgages

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.

Found out more about Bridging Finance

Development Finance

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

Found out more about Development Finance

Auction Finance

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

Found out more about Auction Finance

Limited Company Buy-to-Let Mortgages

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

Found out more about Limited Company Buy-to-Let Mortgages

Portfolio Landlord Mortgages

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

Found out more about Portfolio Landlord Mortgages

Commercial Finance

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

Found out more about Commercial Finance

Refurbishment Bridging Loans

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

Found out more about Refurbishment Bridging Loans

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.

Found out more about Life Insurance

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.

Found out more about Critical Illness Cover

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.

Found out more about Income Protection Insurance

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.

Found out more about Family Income Benefit

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.

Found out more about Mortgage Payment Protection Insurance

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.

Found out more about Landlord Insurance

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.

Found out more about Buildings and Contents Insurance

Let Us Find the Right Mortgage for You

Speak with a specialist adviser who knows the Wycombe market.

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

Proud to support the Local Community.

We’re more than advisers, we’re community partners:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

We don’t just work in Wycombe, we help power it forward.
We also provide mortgage advice in nearby areas, including Chalfont St Giles, Chalfont St Peter, Amersham and Beaconsfield, Chesham and wider Buckinghamshire.

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.