A family business built on experience, trust and personal service
At Harptree Mortgages, we believe that arranging a mortgage or planning your financial future should feel personal. It’s about more than finding a product — it’s about understanding your circumstances, listening to what matters to you and providing advice you can feel confident in.
We are a genuinely family-run mortgage, protection and equity release business, founded by Kay, Stuart and Fred. Kay and Stuart are married, while Fred is Kay’s father, so family is quite literally at the heart of Harptree Mortgages.
Together, we bring decades of experience across the mortgage and protection industry. We have built our business around the principles that matter to us personally: honesty, professionalism, accessibility and treating every client as an individual.
Experience you can rely on
Between us, we have extensive experience helping individuals and families with some of the biggest financial decisions they will make. From first-time buyers taking their first steps onto the property ladder, to homeowners moving house or remortgaging, we understand that every client’s circumstances are different.
We also provide advice on protection, helping clients consider how they and their families could be financially protected against the unexpected. Our services include life assurance, mortgage protection, critical illness cover, income protection and other protection solutions.
For those looking at their options later in life, we also offer equity release advice. Kay and Fred are both qualified in equity release, allowing us to support clients who are considering how their property could form part of their wider financial plans.
A personal approach
We pride ourselves on being approachable and easy to talk to. We take the time to understand what you want to achieve, explain your options clearly and guide you through the process from start to finish.
We know that mortgages and financial products can sometimes feel complicated, which is why we avoid unnecessary jargon and focus on giving you clear, straightforward advice. Whether you are a first-time buyer who has never arranged a mortgage before or an experienced homeowner looking at your next move, we will take the time to make sure you understand your options.
For us, building a relationship with a client is just as important as arranging the mortgage itself. We want to be the people you can come back to when your circumstances change, your mortgage deal comes to an end or you simply need some guidance.
Proud to be local
Harptree Mortgages is a local business, and being part of our community is important to us. We live and work locally and believe that supporting the communities around us is an important part of running a business.
We are actively involved in our local community through school and grassroots football, as well as supporting local initiatives and organisations. We believe that local businesses should be more than just a name on a website — they should be part of the communities they serve.
Why Harptree?
Choosing a mortgage adviser is about finding someone you can trust. We understand that clients want advice from people who genuinely care about getting the right outcome for them, rather than simply treating them as another application.
At Harptree Mortgages, you get the experience of three people who have spent decades in the industry, combined with the personal service of a family business. We are small enough to know our clients personally, but experienced enough to understand the complexities that can come with mortgages, protection and equity release.
Whether you are buying your first home, moving, remortgaging, investing in property, arranging protection or considering equity release, we are here to make the process as clear and straightforward as possible.