Local, Friendly, Expert Mortgage Advice in Plymouth & The South Hams
Experienced Mortgage, Protection & Equity Release Advisers In Plymouth
Mewstone Mortgage Advice began life in 2021, when two local lads, Mark and Nathan, started the business working out of Mark’s garage in Wembury. Since then, we’ve been fortunate enough to grow as we’ve helped the wider Plymouth and South Hams communities, and now we’re proud to say we’ve become a team of six. Charlie joined us in 2022, Mike became part of the Mewstone family in late 2023, Seb joined as a Protection expert early in 2024, and Kate, our office manager, came on board later that year.
We’re all raising young families in the local area, and our passion is simple—helping families in Plymouth and the surrounding areas achieve their dreams and making sure they’re protected with the best mortgage advice possible.
When we say we’re an independent mortgage broker, we truly mean it. Mewstone Mortgage Advice spans the entire market, allowing us to connect with lenders beyond the typical High Street, including online specialists and those catering to unique needs you might not have considered. Unlike other brokers or banks, we stay fully impartial when it comes to your mortgage, protection, and equity release requirements.
As locals, we’re deeply involved in our community and share a passion for supporting local families. Nathan’s a big rugby fan and plays for his local team, Mark can often be found surfing down at the beach, Charlie loves walking her Sprocker, Pixie, Mike enjoys nothing more than a full weekend of motorsport, and Seb is dedicated to fitness and loves spending quality time with his wife. Kate, who keeps everything running smoothly, is equally passionate about making sure we’re helping families in the best way possible.
Even if you’re not local to Plymouth, you can still be part of the Mewstone family. We’re able to serve clients across the UK thanks to our digital mortgage advice technology.
Combined Years Experience
Clients We've Helped Move Home
Families We've Protected
Combined Years We've Lived in Plymouth
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Challenge your fixed rate every day
We can check your deal and keep you up to date of any deals that might be available to you
How can we help you?
First Time Buyers Mortgages
Helping you get on the property ladder.
Remortgages
Let’s talk about saving you money.
Home Mover Mortgages
We can help with your mortgage, but unpacking is on you!
Buy To Let Mortgages
Making the most out of your investment with your mortgage.
Commercial Finance & Commerical Mortgages
Helping you build your business.
Equity Release Mortgages
Helping older borrowers achieve their goals in retirement.
Life Insurance, Critical Illness Cover & Income Protection
Helping to protect your loved ones.
Building & Contents Insurance
Protecting your family home
As a team of expert advisers we pride ourselves on being able to provide advice directly in all of the different areas of finance, rather than referring you to another business.
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The Mewstone Client Journey
Making you part of the family
Step 1: Discovery Call
This is our first conversation with you. We will get an understanding of where you are now and where you want to be. We can tell you a bit about us and how we work – and how we can help you secure your mortgage. This is typically a 10 minute chat and is completely free of charge.
Step 2: Get Mortgage Ready - Get Prepared
In order to give you the most accurate and most appropriate advice we want to take our time to get to know you. No two customers circumstances are the same.
Before we discuss your options and give you advice we will check all of your circumstances and documentation in full.
We give you instant access to your own secure client portal to provide us with your personal information. In addition to this we can communicate to you securely via the portal and provide you with life time access to your online vault - where your documents and our advice is securely saved.
Step 3: Advice & Recommendations
Now that we know you and where you want to be – we can tell you three really important things:
1. How much you can borrow – so you know what your budget is – and what price you can buy at
2. What fees you will pay throughout the process – and what level of deposit you need
3. What your mortgage monthly payments will be – so you know that your mortgage is affordable
In addition to the above – we can ensure that your monthly budget includes sufficient protection so you can keep your home no matter what life throws at you
There are thousands of options in the mortgage and insurance market today, it's confusing and at times a little overwhelming - we will help you make decisions and will provide you with a single recommendation tailored for your specific needs
Our advice will be documented in full to explain why these are the right options for you and your loved ones.
Step 4: Pre Approving your Mortgage - Agreement in Principle
Once all documentation has been satisfied, the next stage is to get your mortgage pre-approved – this is known in the industry as an agreement in principle.
We will submit your information to the recommended lender in order to assess affordability and perform a credit check. If successful, the lender will usually produce a certificate which shows that they are provisionally happy to provide you with a mortgage. They will want to see documentation and value the property you wish to buy/remortgage once things progress, however, this gives you the peace of mind that you can proceed and make an offer on a property.
You can provide your agreement in principle certificate to the estate agents you are viewing property with in order to evidence that you are in a proceedable position and your mortgage is pre-approved.
You can focus on the fun part of buying your new home knowing that your mortgage is ready and waiting once you have an offer accepted on a property. We will hold your hand through the process from giving you guidance on how to make an offer, helping you choose the right type of survey and even help finding solicitors.
Step 5: Offer Accepted - Mortgage Application Submission
You have now had your offer accepted on a property – we finalise your mortgage and insurance arrangements down to the penny.
We update your documents prior to your application being made, update any changes in your circumstances and reconfirm our advice – this is the point where we help you take a leap of faith and begin the process of buying a property.
Step 6: Mortgage Offer
This is where the lender confirms they are offering you the mortgage and sets out their conditions. This is a very exciting moment for all our clients and it's at this stage we will double and triple check that the offer is everything you expected to move you a step closer to owning your home.
Step 7: Exchange & Completion
When purchasing property, exchange of contracts is when the process becomes legally binding. We will ensure that all protection options are put in place so you are fully insured for the day you get your keys.
Completion will see the mortgage money being transferred either to pay off an existing mortgage (re-mortgage) or to a solicitor to finalise a purchase transaction and request for the keys to the new property to be released.
This is the best part of your journey and usually where your journey ends with your bank / mortgage adviser... NOT IN THE MEWSTONE FAMILY!
Step 8: The Journey Continues
As the Mewstone family grows we aim to stay in contact with you every 6 months because things change, we want you to feel confident you have trusted advice at your fingertips. This could be at a time where you may be thinking of moving home, having children, build an extension or your mortgage is coming to the end of its fixed rate period. We are always here to support you.
Recommendations
Remember you may not be needing any financial advice right now, but you still have access to our secure client portal to store any sensitive documentation to give you quick access to those important documents, feel free to use it, ITS FREE!
Our company name was inspired by the local Great Mewstone that sits just beyond the coast at Wembury.
Frequently Asked Questions
How much do you charge?
Our advice and recommendation to you will be given free of charge. When making an application, we charge our new clients £499 at the point of application. Once you’ve joined the Mewstone family, our existing clients will pay £299 at the point of application. If you have a Buy-to-Let property, we will charge £599 to new clients and £399 to an existing client.
Do you only do Mortgages?
Whilst Mortgages are our passion, we can also assist with all things protection, later life lending for borrowers over 50 and commercial lending.
So whether you’re looking for life insurance, home insurance, equity release or a commerical loan – we can help!
What's the difference between you and my bank?
Your bank will only only be able to offer you their deals, whereas we can search the whole of the market without any bias towards one particular lender. We have access to 120+ lenders from the whole market at our disposal including exclusive deals only available to mortgage brokers!
Do you offer telephone appointments?
We do! Whether you want to speak by phone, email or virtually, or even in person! We’re ready to have a chat with you.
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Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).
New Leaf Head Office Garfield House, 165-167 High St, Rayleigh SS6 7QA. Co registration Number 5520001.
Mewstone Mortgage Advice LTD Head Office: 22 Barton Brake, Wembury, Plymouth, Devon PL9 0BJ Co registration Number 12959322
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits
