For a mortgage solution to suit you...

At Heritage IMA we offer a professional mortgage solutions service and by reviewing your individual circumstances in conjunction with the whole market place we can tailor make a mortgage to suit your needs.

For a mortgage solution to suit you...

At Heritage IMA we offer a professional mortgage solutions service and by reviewing your individual circumstances in conjunction with the whole market place we can tailor make a mortgage to suit your needs.

In addition to the mortgage sourcing we will also provide you with very competitively priced protection plans to suit your chosen requirements. This can remove unnecessary pressure from the whole moving process and with streamlined processing of applications save you considerable time and money.

Book an initial, no-obligation consultation

If you would like to book a free consultation, call our team today on 01483 531 025 , or complete the online enquiry form by clicking the button below and we’ll be in touch with you shortly.

Our Services

Mortgages

Choice is good. When buying a property, whether for yourself or as an investment, choice ensures you get the best deal. But when financing your property adventure, does it make your life easier? It can if you shortcut the hassle of shopping around for the right mortgage, which will be as unique to you as the property you select.

Protection

The one thing we all have to face at sometime in our lives is the inevitable fact that we are going to die. As individuals we don’t know when this event will take place so if we care about what happens to our loved ones we need to plan for this event to ensure that our demise is the only catastrophic event that they will have to deal with.

Equity Release

Today, we are typically a cash poor but property rich society. Soaring values mean that for many people, your home is likely to be your biggest financial asset. It’s often worth much more than any other investments or savings. However, getting your hands on this cash to pay for renovations, long-term care or retirement is a major step. It requires selling your home, downsizing or releasing your cash in some other way. There are lots of things to consider.

Bridging and Commercial

Bridging finance is usually a type of short-term business loan. It’s best thought of as a temporary loan which gets you from A to B, until you can either clear the loan in full or secure a more permanent form of finance. That’s where the ‘bridge’ idea comes in – finance to get you from one step to another.

Making Mortgages Easier

Choice is good. When buying a property, whether for yourself or as an investment, choice ensures you get the best deal. But when financing your property adventure, does it make your life easier? It can if you shortcut the hassle of shopping around for the right mortgage, which will be as unique to you as the property you select.

About Us

Heritage Independent Mortgage Advisers are a mortgage brokerage offering highly competitive mortgage solutions selected from the many lender schemes in our whole of the Market Panel of lenders.

Formed in Guildford in 2000, Heritage prides itself in providing professional advice and guidance in all areas of the mortgage market. In addition to standard residential mortgage and re-mortgage expertise we offer specialist advice in Equity release, Buy to Let*, Offset, Adverse Credit Mortgage**, and Commercial.

Google Reviews

Olivia Whitlock

2022-08-03

Heritage IMA have been nothing but wonderful from the first enquiry to completion of our house sale. Cleo and Charlotte have a wealth of knowledge, worked around our schedule and have been so supportive throughout our first time buying experience. Our most naive and ignorant questions were answered with understanding and each step felt straightforward and the process well organised. I wouldn’t hesitate to recommend them to anyone looking for a competent, efficient mortgage broker.

Jamie Andrew

2022-07-06

Highly recommend Heritage. They recently source our mortgage. Special thank you to Jessica, she was super helpful and friendly. Always available for all our questions. Thank you!

Adam Marshall

2022-06-10

Very happy with the service provided by Heritage Independent Mortgage Advisors, they managed to get me a Mortgage where other Advisors had not been successful. Steph King is extremely helpful & goes the extra mile. also Thank you to Charlotte Chalker for arranging me my Income Protection. The Reviews on Google Talk for themselves.

Chris Lloyd

2022-06-08

Heritage IMA have been superb with regards to helping myself and my partner ensure we have life insurance ahead of buying our first home. We are full of praise for them and Charlotte Chalker deserves special recognition: she's been incredibly patient, diligent and conscientious, and really helpful throughout the whole process, from the first day to the last. It's been so good to have a friendly expert to help us through the process. Highly recommended. 🙂

Maria Russo

2022-05-30

Steph and Charlotte have been a pleasure to work with. Throughout the process, Stephanie and Charlotte have been accommodating, professional, and always willing to help. Their dedication to getting me the best outcome was admirable. I would definitely recommend this service, as I had a fantastic experience using it!

Rob Jenkinson

2022-04-21

Very highly recommended! Complete pleasure to deal with, nothing was too much trouble. Everyone at Heritage I spoke to went way above and beyond my expectations. My numerous questions were answered quickly and everything was thoroughly explained. I'll definitely use again if the need arises.

Sarah watkins

2022-04-12

Great communication over phone and email. Really quick to respond. When it was time to remortgage the options were laid out clearly and well explained. Heritage makes the process much easier. Thank you!

Matthew Tolley

2022-03-03

Couldn't recommend anymore. As first time buyers, me and my partner were taken through the whole mortgage process step by step. The team were kind, helpful and extremely professional throughout. This extends to the protection team who helped us set up our life insurance needs.

jayne magness

2022-02-24

Stephanie Burfield

2021-09-28

I was recommended Heritage by my brother, and I had the pleasure of dealing with Cleo Quinn. I first got in contact in 2019, and Cleo has helped me navigate a stressful and complicated divorce in regard to advice to do with mortgage capacity reports, DIP and MIP, Cleo has been wonderful throughout, great communication and has helped to keep me sane and kindly liaising with other parties (solicitors and so forth). It has been a long road since I first approached Heritage due to COVID-19 lockdowns slowing down divorce process as well personal situation at home, but the continuity of contact through Cleo has meant I was not having to speak to lots of different people. Cleo has made things simple and explained to me processes in an easy to understand way. I am finally at a stage where divorce is complete and a new home has been found and Cleo really has been with me every step of the way. I Can’t recommend highly enough Cleo at Heritage. Thank you so much 🙂

What our clients say

I would highly recommend this team. Fabulous customer service from Lara Birkinshaw. Timely response to emails and telephone calls, friendly, informative and knowledgeable. We got a great deal!

Excellent and professional service, could not recommend more highly

I can highly recommend Jim Sheather and the team at Heritage. This is the second mortgage they have arranged for us and on both occasions they have always been extremely efficient, helpful and easy to deal with. But the real kicker has been their contacts and corresponding ability to ability to chase / cajole / prompt the mortgage company into getting things done - without them we'd still be waiting to move right now. Cannot thank them enough.

These guys have been fantastic - I have worked with Ryan Thornber who has been incredibly helpful and quick to deal with any questions of problems I had. Also if you are looking to get a better understanding of mortgages and this is your first time using a mortgage he was fantastic in explaining each step. Highly recommended! I will be using again.

Many advisers around Guildford state that they have your interest at heart, but when it comes to numbers and communication you realise they only really care about their commission. However, this wasn't the case with Heritage. They were extremely professional and did not fail to assist us every step of the way. Specially Jessica who was very patient and thorough throughout the whole lending process. Top score from us and a big thank you to the whole team.

Rebecca Shuttle was a life saver and a complete star during the whole re-mortgage and residential mortgage processing. She explained everything in easy to understand manner across at all stages and worked really hard on, what could be described as, a complicated case! We attribute our succession entirely to Rebecca and will be grateful to her for years to come. I would wholeheartedly recommend her when you are looking to take out any products (we subsequently took out a life insurance with her) and she will do all her best to complete your case hassle free, sometimes working as late as 11-12 at night. Thank you Rebecca!,

We thoroughly recommend Heritage for their excellent and efficient service. Ryan Thornber was fantastic and the other members of the team were always so friendly and helpful on the end of the phone. Thank you for making our house-buying process so stress-free!