Business Details
19 Years
experience
Trusted Mortgage Brokers in Grimsby
We are a local mortgage brokerage firm established in Grimsby, serving clients across Cleethorpes and surrounding areas. With over two decades of combined experience in financial services, our team specialises in providing tailored mortgage solutions and insurance products. Our expertise spans first-time buyer mortgages, remortgaging, buy-to-let properties, and complex cases involving adverse credit histories. We maintain partnerships with over 50 lenders, including major institutions like Santander and Nationwide, as well as specialist providers such as Aldermore and Kensington. Our advisory process combines advanced mortgage sourcing technology with face-to-face consultations conducted at clients' homes or workplaces. All our advisers hold the Certificate in Mortgage Advice and Practice (CeMAP), ensuring professional standards. We differentiate ourselves through comprehensive support throughout the mortgage journey, coordinating with solicitors, surveyors, and estate agents to streamline the process. Our fee structure includes a 150 initial application fee and 300 upon mortgage offer issuance, with alternative arrangements available. We prioritise transparency in all communications, clearly explaining risks including repossession possibilities. Our physical presence in North East Lincolnshire enables deep local market knowledge while maintaining the capability to assist clients further afield.
Services
First Time Buyer Mortgages
Remortgages
Buy To Let Mortgages
Let To Buy Mortgages
Moving House Mortgages
Details
- Year established: 2007
Highlights and features
- We have over 20 years of combined mortgage advisory experience
- We work with 50+ mortgage lenders including exclusive broker-only options
- We offer no-obligation home visits with flexible evening/weekend appointments
- Our advisers hold the Certificate in Mortgage Advice and Practice (CeMAP)
- We coordinate directly with solicitors, surveyors and estate agents
Associations and certifications
- Financial Conduct Authority (FCA)
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time buyers navigating the property market. We explain different mortgage types, eligibility criteria, and government schemes. Our advisers help secure competitive rates while explaining risks including repossession possibilities.
Remortgages
Expert guidance for homeowners seeking better mortgage terms. We analyse current arrangements, compare market options, and negotiate with lenders. Our service includes equity release options and advice on exit fees from existing mortgages.
Buy To Let Mortgages
Tailored mortgage advice for property investors. We explain tax implications, rental income requirements, and portfolio management strategies. Our service includes access to specialist lenders not available through high-street banks.
Let To Buy Mortgages
Comprehensive advice for simultaneous property sale and purchase. We coordinate with estate agents and solicitors to ensure smooth transitions, explaining complex mortgage conditions and associated risks.
Adverse Credit Mortgages
Specialist mortgage solutions for clients with credit challenges. We work with lenders using manual underwriting processes, explaining eligibility criteria and steps to improve mortgage applications.
People
Alan Young
Managing Director / Mortgage & Insurance Broker
With over 20 years in financial services, Alan founded Personal Touch Mortgages after roles at Co-operative Insurance and Alliance & Leicester. He specialises in connecting clients with suitable mortgage solutions while maintaining local market expertise.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgages, buy-to-let properties, let-to-buy arrangements, and moving house mortgages.
Can you help with adverse credit mortgages?
Yes, we work with specialist lenders like MBS Lending and Together to assist clients with credit challenges.
Do you charge fees for mortgage advice?
Yes, our typical fee structure is £150 on application and £300 upon mortgage offer issuance.
Are your mortgage advisers qualified?
All our advisers hold the Certificate in Mortgage Advice and Practice (CeMAP) qualification.
Do you offer home visits for consultations?
Yes, we provide face-to-face advice at clients' homes or workplaces with flexible evening/weekend appointments.
What insurance products do you offer?
We provide life insurance, critical illness cover, income protection, and landlord insurance policies.
Reviews (3)
Melanie & Ben Chase
Jul 03, 2012
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Alan provides a first class service in the comfort of your own premises. Alan advises very well and if you have a great deal already he will honestly tell you this, he is not out to get a sale from you no matter what.
Alan has a relaxed and friendly manner which instantly puts you at ease he does not hard sell and allows you full control of the final decisions, whilst supporting every option with a solid in depth knowledge so you can make an informed choice.
Alan has a relaxed and friendly manner which instantly puts you at ease he does not hard sell and allows you full control of the final decisions, whilst supporting every option with a solid in depth knowledge so you can make an informed choice.
Jo Smedley
Jul 03, 2012
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Recently my husband and I asked Alan to remortgage our house in order to finance an extension and consolidate some debts.
Ignoring the fact, that he managed to negotiate a deal for us to borrow a further 20,000 without actually spending any more money (which was astounding in itself!) I wanted to write and say how much we appreciated his clear, and understandable explanation of our remortgage, his availability to meet us at a time of our convenience, and his diligence in following our mortgage through to completion.
Alan made the entire process painless and hassle-free.
Everything was easy to understand and we appreciated that he took into consideration our need for security and stability in repayments, rather than forcing us into a particular deal, (something which we have experienced in the past).
Needless to say I have no hesitation in referring his services to others and will I continue to do so.
Ignoring the fact, that he managed to negotiate a deal for us to borrow a further 20,000 without actually spending any more money (which was astounding in itself!) I wanted to write and say how much we appreciated his clear, and understandable explanation of our remortgage, his availability to meet us at a time of our convenience, and his diligence in following our mortgage through to completion.
Alan made the entire process painless and hassle-free.
Everything was easy to understand and we appreciated that he took into consideration our need for security and stability in repayments, rather than forcing us into a particular deal, (something which we have experienced in the past).
Needless to say I have no hesitation in referring his services to others and will I continue to do so.
David Uddgren
Jul 03, 2012
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Alan helped us to get our mortgage agreed and never gave up on getting us the best deal after lenders were changing their criteria just as the credit crunch hit. We were impressed with the lenders he had access to and all the different options were fully explained and we decided on a fixed mortgage to ensue we knew what our monthly payments would be.
Alan also helped us with our insurances and managed to reduce our contents insurance and we moved from a flat to a house, so again we were very happy with saving money and sorting it all out with well known companies and all with one advisor. His service was fast, efficient and he was always in contact.
Alan also helped us with our insurances and managed to reduce our contents insurance and we moved from a flat to a house, so again we were very happy with saving money and sorting it all out with well known companies and all with one advisor. His service was fast, efficient and he was always in contact.