I've been working with Aidan recently on my remortgage, as he also helped me through the process of buying my home five years ago. I've had a great experience both then and now. I was told mortgage ra... ãã£ãšèŠã

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Excellent service from start to finish! my mortgage broker Kane and Zara were so professional, friendly, highly knowledgeable and always available to answer our questions. They made the whole process... ãã£ãšèŠã
Aiden (Broom) has been my broker several times now and he always works hard to ensure I get the best offer possible. He knows how to help out when there are challenges and works in a calm and careful... ãã£ãšèŠã
We've recently gone through our first remortgage through Heron & they have been very helpful throughout. Gary helped us explore the different options, and find the best broker for our situation.... ãã£ãšèŠã
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Heron Financial ã«ã€ããŠ
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Fee-free mortgage brokers for the whole of the UK
Heron Financial is a fee-free, whole-of-market mortgage and protection broker based in the UK and certified B Corporation. Heron Financial specialises in mortgages for first-time buyers, self-employed clients, company directors, contractors, and borrowers with complex income such as commission, dividends, or variable earnings.
Our advice is fully fee-free. We manage the entire mortgage process from initial application through to completion, and continue to look after our clients beyond move-in, including future remortgages and protection reviews.
Heron Financial was founded in September 2011 by Matt Coulson. The aim was to build a digital-first mortgage broker that puts education at the heart of every client conversation. We help individuals and families make confident, well-informed decisions about their borrowing, their long-term financial wellbeing, and their environmental impact as a B Corp-certified business.
We specialise in complex cases. Our advisers regularly place mortgages for clients who have been declined by their bank or by other brokers, including self-employed applicants with one year of accounts, contractors paid on a day rate, company directors taking minimal salary plus dividends, and borrowers with variable or commission-based income. We have access to lenders across the high street, specialist, and private bank markets.
In 2026, Heron Financial was named a finalist in two categories at the British Bank Awards: Best Mortgage Broker and Best Ethical Financial Provider. Internally, we built Everglades, our own award-winning digital application system, to make the mortgage process faster and more transparent for clients. It is one of the reasons our clients tell us the process feels noticeably less stressful than going direct to a bank.
Our mission is simple: the right mortgage, without the stress.
If you'd like to find out what you could borrow based on your specific circumstances, use our mortgage calculator or get in touch for a free 15-minute consultation with an adviser.
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207 Cardinal Point, Park Road, WD3 1RE, Rickmansworth, è±åœ
- 020 3195 1982
- info@heronfinancial.co.uk
- heronfinancial.co.uk
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Excellent service from start to finish
Excellent service from start to finish! my mortgage broker Kane and Zara were so professional, friendly, highly knowledgeable and always available to answer our questions. They made the whole process smooth and stress-free, keeping us informed every step of the way. We couldnât be happier with the service and would highly recommend them to anyone looking for a mortgage broker!
Aidan and Rebecca were veryâŠ
Aidan and Rebecca were very professional and helpful , they kept in contact all the way through their professionalism was outstanding and was able to assist me throughout the whole journey. I would highly recommend them. Anyone who needs their assistance.
A really personal, efficient service
I've been working with Aidan recently on my remortgage, as he also helped me through the process of buying my home five years ago. I've had a great experience both then and now. I was told mortgage rates were increasing within a few days so I called Aidan last thing on a Friday and he gave me the best option and got everything locked in for me at lightning speed. If it wasn't for him I would be paying another few hundred pounds a month next year!
Excellent service
Excellent service. Would highly recommend. Theyâre very helpful make everything hassle free.
Aiden Broom
Aiden (Broom) has been my broker several times now and he always works hard to ensure I get the best offer possible. He knows how to help out when there are challenges and works in a calm and careful way to meet my needs financially and to support me with my long term mortgage and financial goals.
Seeking a new mortgage in the currentâŠ
Seeking a new mortgage in the current climate is fraught with worries and anxiety, but Heron Financial's highly professional, experienced and knowledgeable team made it so straightforward and stress free. Rachel dealt with our mortgage application, treating us as human beings rather than customers seeking a product. She kept us informed and guided us through the process seamlessly, displaying excellent customer service throughout based on deep knowledge and expertise. The other team members were prompt and concise when they sent us emails which did not come across as written using AI, which I thought was a nice touch.
Joe was excellent in helping me find a new life insurance to go with the new mortgage, enabling me to cancel an unsatisfactory and expensive previous life insurance.
Heron Financial provided a human touch in a world which is all too faceless when it comes to getting professional advice on important matters. I heartily recommend them.
Professional and smooth experience
Working with Heron has been a very smooth and efficient experience. Joshua and Zara have been consistently responsive to our queries and took real care in identifying products that suited our need needs. We particularly valued their proactive approach in keeping matters progressing, which gave us ample time to review information and prepare the necessary documents at a comfortable, unhurried pace. Overall, it has been a positive experience, and we would definitely happily recommend their services.
Definitely recommend
We had a really positive experience with the mortgage team. Zara and Dalia were very helpful and supportive throughout the process. We had a few issues on our side, but they were very understanding and helped us with everything we needed.
The whole process was made much easier with their support, and we really appreciate all their help. We would definitely recommend them!
Very efficient
Very efficient, their systems are easy to use and available to meet if you need anything.
Remortgage
We've recently gone through our first remortgage through Heron & they have been very helpful throughout.
Gary helped us explore the different options, and find the best broker for our situation.
Lillie always kept us updated on progress with the application, making sure we had the correct paperwork in line, and letting us know timelines.
Fantastic experience
Great experience with Joshua, helping us to navigate a tricky re-mortgage situation. He worked with us to explore all options until we found something that worked for us. Lillie kept us up-to-date every step of the way as we went through the application and approval process. Wouldn't hesitate to work with again!
Amazing company!
I couldnât recommend Heron Financial anymore! Aidan and Rebecca have been fantastic start to finish, always happy to answer any questions we had!
Had a great experience with Aidan andâŠ
Had a great experience with Aidan and Chloe. Communication was great at each step of the process and they helped me get a great deal on my mortgage
Working with the team at HeronâŠ
Working with the team at Heron Financial has been fantastic. Don has been wonderful to work with on our mortgage application, his knowledge and expertise are second to none and itâs been so reassuring to know that our application is being handled by a team who truly knows whatâs whatâs best for their clients. The communication and clear processes have been really easy to navigate. Chloe has been wonderful at keeping us up to date with the application process and answering any queries we have had as we go through different stages.
Best mortgage advisor
Huge shoutout to Don and Chloe at Heron Financial! Getting a mortgage on a visa limitation felt nearly impossible, but they made it completely stress-free. They found the perfect lender and secured my approval in record time. Unbelievably fast, completely seamless, and 100% fee-free. I couldn't recommend them highly enough!
My experience is great so far becauseâŠ
My experience is great so far because the staff always provided quick response to all my enquiries and move quickly to get the mortgage sorted on time.
My whole experience was great butâŠ
My whole experience was great but Joshua and Zara were endlessly constructive supportive and patient in unlocking hurdles
Mortgage Services
Exceptional service from Aidan and Leona providing excellent advice and expertise.
The process of applying for a mortgage and ultimately receiving an offer was efficient and made significantly less stressful due to the support and work dedicated to us
Highly recommended
Highly recommend
Joshua Johnstone has advised me over the past year as I negotiated a slow sale and waited to find the right property. He is super efficient, knowledgeable, patient and when I was ready to go had my mortgage offer through super fast. This is my second time using Heron for a mortgage and would highly recommend.
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