Friendly advice

Buying a home is one of life’s biggest decisions — and it should feel exciting, not overwhelming. As an independent mortgage broker, I’m here to guide you through the process with clear, honest advice tailored to you.

About Rachael Mortgages

We’re here to make UK mortgages feel a lot less stressful. Whether you’re buying your first home, moving, or remortgaging, we’ll guide you through your options in plain English and handle the details from start to finish. Friendly support, clear advice, and a process that feels simple.

From your first enquiry through to getting the keys, I’ll be by your side every step of the way.

Featured listings

First-Time Buyers

Expert support for new buyers stepping onto the property ladder.

Remortgages

Find a better deal or free up equity with a simple remortgage.

Home Movers

Smooth the way to your home with tailored mortgage advice.

Not sure what you can afford?

Whether you’re a first-time buyer, moving home, or remortgaging, I’ll take the time to understand your goals and find the right mortgage to suit your circumstances. No jargon, no pressure – just straightforward support you can trust.

Why work with us

1

Years of
experience

1

Dedicated
Agents

$ 100

Years of
experience

100

Dedicated
Agents

Why work with us

Buying a home can feel overwhelming, but we’re here to make the process simpler, smoother and far less stressful. We offer more than just mortgage advice — we support you throughout the journey, helping you with the key parts of your move from start to finish. When you work with us, you get: Help working out what you can realistically afford Trusted solicitor recommendations Surveyor recommendations Support with buildings and contents insurance Help getting utility bills set up Guidance on life insurance and protection Everything in one place We believe the process should feel clear, straightforward and well-supported — which is why we aim to be your one-stop support from enquiry to completion.

What our clients
say about us

“

Rachael was so lovely to work with. Both myself and partner are pretty clueless with this kind of thing so to have Rachael here to guide us through was the best thing for us. So knowledgeable and made everything clear for us to understand. Highly recommended, we’ll definitely be using Rachael in the future.

Kirstie Wiseman

“

Rachel has been brilliant and so efficient! I have used her twice now for 2 seperate purchases and I can only highly recommend her serviced! Any questions/things im unsure of she answers so efficiently!

Lauren Davis

“

Rachael has been fantastic from start to finish sorting our remortgage! She has also always been there to assist with any queries and offer advice and support.

Sarra Dellou

“

Rachael was absolutely fantastic from start to finish. She was so approachable and made the whole process feel straightforward and stress-free. She regularly worked beyond expected hours to accommodate us, which we really appreciated. Not only that, she managed to save us money too! We wouldn’t hesitate to use her again and highly recommend her to anyone looking for a reliable mortgage broker.

Oliver Hodgman

“

Rachael was absolutely fantastic in helping us remortgage. She was clear, attentive, and took the time to explain any jargon we didn’t understand, which made the whole process feel so much easier. The online system was straightforward, and her flexible availability meant that even with busy schedules, we received a true 5-star service from start to finish. I would highly recommend Rachael’s services .... she has been fab!

Kirsty Hodgman

“

Rachael is professional, reliable and above all, friendly! She gave great advice and I wouldn’t think twice about using her again or recommending her to others.

Hannah Burnell

“

Great service very professional, knowledgable and friendly

Izzy Abbotts

Rachael was so lovely to work with. Both myself and partner are pretty clueless with this kind of thing so to have Rachael here to guide us through was the best thing for us. So knowledgeable and made everything clear for us to understand. Highly recommended, we’ll definitely be using Rachael in the future.

Kirstie Wiseman

Rachel has been brilliant and so efficient! I have used her twice now for 2 seperate purchases and I can only highly recommend her serviced! Any questions/things im unsure of she answers so efficiently!

Lauren Davis

Rachael has been fantastic from start to finish sorting our remortgage! She has also always been there to assist with any queries and offer advice and support.

Sarra Dellou

Rachael was absolutely fantastic from start to finish. She was so approachable and made the whole process feel straightforward and stress-free. She regularly worked beyond expected hours to accommodate us, which we really appreciated. Not only that, she managed to save us money too! We wouldn’t hesitate to use her again and highly recommend her to anyone looking for a reliable mortgage broker.

Oliver Hodgman

Rachael was absolutely fantastic in helping us remortgage. She was clear, attentive, and took the time to explain any jargon we didn’t understand, which made the whole process feel so much easier. The online system was straightforward, and her flexible availability meant that even with busy schedules, we received a true 5-star service from start to finish. I would highly recommend Rachael’s services …. she has been fab!

Kirsty Hodgman

Rachael is professional, reliable and above all, friendly! She gave great advice and I wouldn’t think twice about using her again or recommending her to others.

Hannah Burnell

Great service very professional, knowledgable and friendly

Izzy Abbotts

Ask Rachael Mortgages is a trading style of Rachael Louise Payne, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

145 Rye Hill, Bere Regis, Dorset, BH20 7LP

FCA NUMBER – 1053626