1st Mortgage Services

Business Details

Your Trusted Mortgage Broker in Thirsk

1st Mortgage Services is a non-judgmental, client-focused mortgage and insurance advisory firm based in Thirsk, North Yorkshire. With established relationships with over 65 lenders, we specialise in providing tailored financial solutions to meet individual client needs. Our team prioritises transparency, offering nationwide support while maintaining a strong local presence across Thirsk, Ripon, Harrogate, York, Leeds, and Preston. We combine extensive industry experience with a commitment to simplifying complex mortgage and insurance processes. Client testimonials consistently highlight our responsiveness, expertise in handling adverse credit cases, and ability to secure competitive market rates.

Our services extend beyond standard mortgage advice to include buy-to-let solutions, first-time buyer guidance, and comprehensive insurance coverage. We maintain regulatory compliance through our association with Sesame Ltd, authorised and regulated by the Financial Conduct Authority. Our approach integrates personal support with technical expertise, ensuring clients receive both practical solutions and ongoing assistance throughout their financial journey.

Services

Mortgages Remortgages First Time Buyers Buy to Let Adverse Credit Home Insurance Life Insurance Income Protection Critical Illness Cover Moving Home Advice

Highlights and features

We offer FCA-regulated mortgage advisory services with nationwide coverage
Our team maintains relationships with 65+ lenders for competitive rate access
Specialists in complex cases including adverse credit and buy-to-let mortgages
Personalised support from experienced advisers with local market knowledge
Comprehensive insurance solutions tailored to individual client requirements

Associations and certifications

Financial Conduct Authority (FCA)

What people say

Professional and efficient Stress-free process Competitive mortgage rates Exceptional support Timely communication

Website

Update Listing

Services

Mortgages

We specialise in sourcing suitable mortgage solutions from our network of 65+ lenders. Our FCA-regulated advisers provide expert guidance through the entire mortgage process, from initial application to completion. Clients benefit from our extensive lender relationships and local market knowledge across North Yorkshire.

Remortgages

Our remortgaging service helps clients secure better rates and terms through our extensive lender network. We specialise in simplifying the transition process while ensuring compliance with current financial regulations. Clients receive personalised advice to optimise their property investment.

First Time Buyers

We provide comprehensive support for first-time property purchases, explaining processes clearly and guiding clients through available schemes. Our advisers offer practical solutions for deposit requirements and mortgage applications, making homeownership accessible and stress-free.

Buy to Let

Our buy-to-let specialists offer tailored mortgage solutions for property investors. We provide market insights and financial planning tools to help clients maximise returns while navigating regulatory requirements. Our service includes portfolio management strategies.

Home Insurance

We offer comprehensive home insurance solutions covering buildings, contents, and specialist requirements. Our advisers help clients understand policy options and select appropriate coverage levels. We provide ongoing support for claims and policy adjustments.

People

Julie Gilbert

Principal Adviser

With extensive mortgage industry experience, Julie leads our advisory team. She specialises in succession planning solutions and has built strong lender relationships that benefit clients. Her approach combines regulatory compliance with personalised service.

Pamela Atkinson

Senior Mortgage Adviser

Pam provides expert mortgage guidance, particularly for complex cases. Her deep understanding of housing market challenges helps clients navigate difficult transactions. She maintains regular client communication throughout the process.

Will Shackleton

Senior Insurance Adviser

Will specialises in protection insurance solutions. He offers clear explanations of policy options and helps clients select appropriate coverage. His service includes ongoing support for policy management and claims assistance.

Chris Skipper

Mortgage & Protection Adviser

Chris provides expert advice on both mortgage and insurance products. He focuses on matching clients with suitable financial solutions while explaining complex concepts in accessible terms. His service includes regular market updates.

Karen

Client Support Specialist

Karen provides essential client support throughout the transaction process. She ensures timely communication between clients, lenders, and solicitors. Her role includes progress updates and documentation management.

Questions

What mortgage options are available for first-time buyers?

We offer tailored first-time buyer mortgages with competitive rates, including government schemes and flexible deposit options. Our advisers explain all available choices and help secure the best possible deal.

Can you help with adverse credit mortgage applications?

Yes, we specialise in adverse credit cases and work with lenders who consider individual circumstances. We provide practical solutions to help clients secure mortgage approval despite credit challenges.

What insurance products do you offer?

We provide comprehensive insurance solutions including home, life, income protection, and critical illness cover. Our advisers help clients select appropriate coverage levels for their specific needs.

Which areas do you serve?

While based in Thirsk, we provide services across North Yorkshire and nationwide. Our primary service areas include Ripon, Harrogate, York, Leeds, and Preston.

How quickly can you process a mortgage application?

We aim for swift processing through our established lender relationships. Many clients report faster progress compared to other providers, with regular updates throughout the application process.

Are your services regulated?

Yes, we operate as an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority, ensuring compliance with financial regulations.

Reviews (1)

Write a Review

David & Clare Clayton

Oct 15, 2025 Report

As first-time buyers we found the whole process felt like a giant, overwhelming puzzle. We struggled initially, receiving a lot of conflicting and unhelpful local advice that just added to our stress. Everything changed when we started working with Will from 1st Mortgage Services though. He was an absolute lifesaver. He not only secured us a fantastic rate but, more importantly, he was great at navigating all the confusing paperwork.

He took the time to patiently explain all elements of the process, instead of just sending us a pile of documents to sign, he broke down the complex mortgage jargon into plain English. Don't go anywhere else! Thanks for all your help Will!