About Us
We are a family-run business based in Surrey, established in 2016 by our principal, Heidi, who has over 45 years of financial experience. We provide mortgage advice across the whole of market and protection advice from a wide panel of insurers. We pride ourselves on offering honest, clear guidance and a personalised service tailored to your individual needs.
Your Mortgage Journey
Initial Meeting
We’ll have an initial discussion with you to understand exactly what’s important to you and where you are in your journey. This will allow us to provide a tailored recommendation that matches your needs.
Recommendation
After understanding your goals, we’ll search for the most suitable mortgage and protection products for you and provide you with our recommendation.
Application
Once you’ve sent us the required documents, we’ll get your application underway and keep you informed all the way through to completion.
After Care
As your broker, we’re here to support you throughout your mortgage term. Before your rate finishes, we’ll check in to review your situation and future plans, and help you find the best next mortgage deal for you.
We do not charge a fee for first-time buyers, home movers, or product transfers. For buy-to-lets, remortgages, and special schemes such as Shared Ownership and Help to Buy, a fee of up to £399 applies. Any applicable fees are payable upon submission of your application.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Contact us
Got any questions about mortgages or protection?
Get in touch — our friendly team are always happy to help.
We look forward to hearing from you!
Testimonials
“A3 Mortgages helped me buy my first home and I am so glad I chose them. They were able to break things down in a really easy to understand way and seemed to genuinely care about getting me the best deal. They went over and above at every stage, taking calls at any time and settling my nerves during tense situations. Buying a house can be really stressful, but throughout the process Hannah and Heidi were reliable, honest and proactive and I can't recommend them enough!”
Joe H 12/2024
I can’t rate Heidi and A3 Mortgage Services enough. Heidi helped me when I was buying my first house and has been with me ever since for over 10 years now! She was recommended to me by a friend and I want to pass on the recommendation for anyone who is out looking. Great service and so helpful!
Claire 09/2025
“We were told about A3 mortgages by a friend who said they were amazingly helpful and she was right. We dealt with Hannah and she was so helpful. She answered every question and query we had. She we amazing at arranging different quotes for us and always making us aware of changes to the rates and any increases or decreases happening to the rates. I will be telling everyone who needs mortgage advice to use this company.”
Natasha A 02/2025