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Your mortgage, your way

Whether it’s your first home, a remortgage, or a buy-to-let, our expert advisers guide you through the entire mortgage market.

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What We Do

Your Local, Independent Mortgage Experts in the Midlands.

01

Mortgage Advice

  • Whole-of-Market recommendations

  • FCA Regulated guidance

  • Free Initial Consultation

02

Residential Mortgages

  • First-Time Buyer Mortgages

  • Home Mover Mortgages

  • Remortgages

03

Specialist Mortgages

  • Buy-to-Let Mortgages & Portfolio Landlords

  • Help to Buy / Shared Ownership

  • Right to Buy

  • Retirement Interest Only

  • Equity Release by referral only 

  • Self-Build Mortgages by referral only 

04

Protection & Insurance

  • Life Insurance

  • Income Protection

  • Critical Illness Cover

  • Family Income Benefit

  • Mortgage Protection Insurance

  • Buildings and Contents

05

Personal Service

  • Experienced advisers who know your local market

  • Friendly, clear, and jargon-free support

  • Guidance from first conversation to completion

06

Other

  • Further Advances

  • Product transfers

  • Debt consolidation

  • Joint borrower/sole proprietor (For buyers not ready for a long-term mortgage alone)

  • Let to buy

  • Holiday lets

  • 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.

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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

We’re available outside 9–5 to fit your schedule

Fill out a few quick details and one of our mortgage experts will call you back at a time that suits you best.

Kiran Singh

2026-02-14

I want to say a big thank you to Danielle Tooms, she was an incredible source of support throughout the whole process and went way beyond to ensure a smooth and successful transaction. She really understood my needs and advised accordingly, quickly built rapport and was excellent at communicating swiftly. She’s also very knowledgeable - was able to answer all my questions or knew who could. An asset to the company!! I have used them twice, would highly recommend and won’t hesitate to deploy again in the future.

Dean Matthews

2026-02-05

Having worked with Gemma over the past few years with my last two remortgages it is safe to say your finances are in great hands, professional, efficient and keeps you informed every step of the way up to completion, not only seeing it over the line but securing a great interest rate early to ensure more money stayed in my pocket! Couldn't recommend Luminar highly enough both Gemma and Dani are fantastic and they'll work tirelessly to ensure you get the best outcome you could wish for. Keep up the great work!!

Max Pembleton

2026-02-03

Unbelievable service. Completed several mortgages for me in record breaking time. Gemma really does go above and beyond. Highly recommend.

Daryl Lowe

2026-01-05

Really pleased with the mortgage service I got from Danielle at Luminar. Excellent advice, easy, and pain free. All I had to do was supply a few bits of information and Danielle did the rest. Thanks Danielle.

Justin Eynon

2026-01-05

Danielle from Luminar Mortgages was very professional and ensured everything went smoothly, she explained everything in great detail and we could not recommender her enough, everything went through on time with a hitch, thank you for a great service.

Reviews

Hear it from them

Get in touch

Start your journey with us today.

Urban Housing
Reviewing Documents

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