Mortgages

Straightforward mortgage advice

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Personal mortgage advice, made simple

Buying a home or refinancing can be overwhelming, and every borrower’s situation is unique. As a mortgage broker, my role is to simplify the process and help you explore a range of loan options that fit your needs — not just what one bank offers.

I work with a variety of lenders to find competitive rates and terms, and I’m here to offer clear, unbiased guidance from start to finish. Whether you’re a first-time buyer, self-employed, or just looking for clarity, I’m here to help you make informed decisions with confidence

Got questions? Let’s chat.

First-Time Buyer Mortgages

Remortgages

Buy-to-Let Mortgages

Self-Employed Mortgages

Why people choose to work with me

Personal mortgage advice that's built around you


Advice That Works Around You

Life’s busy — I get it. That’s why I offer a flexible, personal service that fits around your schedule. Whether it’s an evening chat after the kids are in bed or a quick call between work commitments, we’ll find a time that suits you. No waiting on hold, no 9–5 limits — just friendly, expert advice when you need it.

You’ll Always Speak to Me

This isn’t a call centre or a comparison site. You’ll deal with me directly — from our first conversation to getting your mortgage or cover in place. I’m always just a phone call away to answer any questions.

Helping You Compare Competitive Options

As a whole-of-market adviser, I search the full range of lenders and insurers to find what’s right for you — so you don’t have to. No trawling through comparison sites, no second-guessing. Just honest advice that saves you time, cuts the hassle, and helps you get the best deal.

I Know What Matters to You & Your Family

I live and work in York, and I talk to people every day who just want to make sure their family would be okay — no matter what. I understand the real risks people worry about, and how to find cover that fits both the need and the budget.

Mortgages, Protection, Minus the Pressure

Buying a home or choosing the right protection is a big step — I’m here to guide you at your pace. Expect clear explanations, flexible options, and support throughout the process. Straightforward mortgage and protection advice, tailored to your needs.

Support for Those Who Don’t Tick Every Box

Not everyone fits the tick-box criteria. If you’re self-employed, working on contracts, or have had credit hiccups, I’ll help you find lenders who understand your situation — and make it work.

Your next step, made clearer

Mortgage support you can trust from a real person, not a call centre

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Your home may be repossessed if you do not keep up repayments on your mortgage.Some forms of buy to let mortgages are not regulated by the financial conduct authority.


Jorvik Financial is a trading name of Carys Hodgins, a Registered Individual of Commercial Connect Limited, which is authorised and regulated by the Financial Conduct Authority. FCA number: 933334.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

We’re committed to providing advice that’s clear, fair and meets your individual needs — in line with the FCA’s Consumer Duty.

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