Thanks for visiting Heron Mortgages!

Thank you for visiting the web home of Heron Mortgage Services Ltd. We arrange mortgages, loans and insurance for members of the general public. We have helped hundreds of clients find non-standard mortgages from our panel of specialist lenders. We are directly authorised in the conduct of our business by the Financial Services Authority (FSA), the UK’s independent financial watchdog.

Our registration number is 461712 (http:/www.fsa.gov.uk/pages/register/)

Our speciality is arranging mortgages for you where one or more of these apply to your situation:

• You have some kind of adverse credit history such as CCJs,
  credit defaults, missed payments, IVAs or recently discharged
  bankrupts
• Self Certification - where you can’t or don’t want to provide
  proof of your income
• The property you want to purchase is an unusual construction
  like concrete or timber framed – even if considered defective
• You have the right-to-buy from your council
• You need an express re-mortgage to buy out a partner from a
  joint home

If you have been turned down elsewhere then try HMS. Our advisers will talk you through your options and find you a great deal on a new mortgage. We work on your behalf to find you the right mortgage.

The legal stuff

Company Registration number: 6000998
FSA registration number: 461712 (http://www.fsa.gov.uk)
Consumer Credit License (CCL) Number: 597215 (http://www.oft.gov.uk/)
Data Protection (DPA) registration number: Z9783570

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The overall cost for comparison is 7.0% APR. The actual rate payable will depend on your circumstances. Please ask us for a personalised illustration. A fee is chargeable only on completion, typically 2% of the loan amount depending on your circumstances (subject to a minimum of £1,995 and maximum of £2.995). For a mortgage of £100,000 the fee would be £2,000. Early repayment charges may apply and will vary depending on the mortgage.
Adding existing debt to your mortgage will increase both the repayment term and the overall cost.