What We Do
Your Local, Independent Mortgage Experts in the Midlands.
01
Mortgage Advice
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Whole-of-Market recommendations
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FCA Regulated guidance
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Free Initial Consultation
02
Residential Mortgages
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First-Time Buyer Mortgages
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Home Mover Mortgages
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Remortgages
03
Specialist Mortgages
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Buy-to-Let Mortgages & Portfolio Landlords
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Help to Buy / Shared Ownership
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Right to Buy
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Retirement Interest Only
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Equity Release by referral only
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Self-Build Mortgages by referral only
04
Protection & Insurance
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Life Insurance
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Income Protection
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Critical Illness Cover
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Family Income Benefit
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Mortgage Protection Insurance
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Buildings and Contents
05
Personal Service
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Experienced advisers who know your local market
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Friendly, clear, and jargon-free support
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Guidance from first conversation to completion
06
Other
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Further Advances
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Product transfers
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Debt consolidation
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Joint borrower/sole proprietor (For buyers not ready for a long-term mortgage alone)
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Let to buy
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Holiday lets
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Self Build
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
about us
Your Local Mortgage & Protection Specialists
Based in the Midlands, we offer independent, whole-of-market advice across the UK — helping you find the right mortgage and protection for your needs. With years of experience and a friendly, personal approach, Gemma and Danielle guide you from first chat to completion — making the process clear, simple, and stress-free wherever you are in the UK.
The Experts
Meet the team
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Gemma
Director, Mortgage and Protection Adviser
Gemma
Director, Mortgage and Protection Adviser
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Danielle
Mortgage & Protection Adviser
Danielle
Mortgage & Protection Adviser
Samantha Oates
2025-10-23
Superb service! Gemma Did all the hard work for us, ensured that myself and my partner were kept up to date with every part of the process eliminating any worry or concerns. Thank you so much! We can not believe we have our very own house now, all thanks to the amazing help and support we received. Can not recommend Gemma enough!
Curt Rock
2025-10-22
I recently used them and the experience was outstanding from start to finish. They were professional, knowledgeable, and patient throughout the entire mortgage process. Every question was answered clearly, documents were handled efficiently, and I always felt informed and supported. Their attention to detail and commitment to finding the best possible mortgage made the process stress-free and smooth. I can’t recommend Gemma enough—truly excellent service that went above and beyond expectations!
Jenny H
2025-10-22
Danielle has been a great help and support through the mortgage process. Thanks so much!
Carol Williams
2025-10-22
Excellent efficient service. Gemma was great at communicating throughout the remortgage. Will definitely use this company again.
Julian Kelly
2025-10-21
Working with Gemma from Luminar Mortgages Ltd has always been a great experience and I have always been extremely satisfied with the service I receive. Their team of skilled professionals is not only knowledgeable in their field but also dedicated to providing top-notch service and support. I cannot recommend Luminar Mortgages Ltd highly enough
Reviews
Hear it from them
