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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.

Jack Parker

2026-03-20

Such a great experience using Luminar! Danielle explained everything professionally and made sure we knew all our options within a timeframe which no one else could’ve offered. Nothing felt too much she was Available out of “normal working hours” and made us really feel she went the extra mile for us. We would 100% Recommend Luminar and look forward to working with them again in the future! Thank you again!!!

Chris Hampson

2026-02-27

Absolute pleasure to work with, Gemma and Danielle are fantastic

Shannon Wright

2026-02-26

Danielle was amazing with us and helped us so much! She has been absolutely fantastic and always went above and beyond for us! Would 100% recommend to anyone!

Jennifer Steans

2026-02-25

Thanks to Danielle and her team for the fantastic service they provided. From the very beginning, Danielle was proactive, approachable, and completely on top of every detail. Danielle is very genuine and it feels like she really cares about getting the right outcome for you. Danielle clearly explained what was happening and made the process feel very straightforward and manageable. Everything was also completed very quickly which was great. Would highly recommend!

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.

4.5/5

Rating

Based on

Google

4.5/5

based on

Rating

Reviews

Hear it from them

Get in touch

Start your journey with us today.

Urban Housing
Reviewing Documents

Struggling to get a mortgage?

Our expert advisers are here to help, no matter your situation

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