Business Details
14 Years
experience
Your Trusted Mortgage Brokers in St Austell
Cornwall Mortgages is a dedicated mortgage and insurance advisory service founded in November 2012 by Tom Crapp, a qualified broker with extensive industry expertise. Our team of certified advisers, including Liz Bignell, Chirstie Perryman, Dani Molloy, and Tina Jenkins, specialises in providing tailored solutions for first-time buyers, remortgaging, buy-to-let investments, and comprehensive insurance coverage. With over 25 years of combined experience, we prioritise customer service, leveraging our local market knowledge and regulatory compliance expertise to simplify the home-buying and protection process.Our commitment to transparency, ethical practices, and ongoing client support has earned us a reputation as a trusted partner in Cornwall's financial services sector. We serve clients through personalised consultations, ensuring clarity and confidence at every stage of their mortgage or insurance journey.
Services
First Time Buyer Mortgages
Remortgage Solutions
Buy to Let Financing
Life Insurance Cover
Equity Release Schemes
Details
- Year established: 2012
Highlights and features
- We offer 10+ years of mortgage advisory experience with industry-recognised qualifications.
- Our team provides personalised guidance for complex cases including SPVs and limited companies.
- We maintain FCA-authorised compliance standards for secure, transparent transactions.
- Our local market expertise streamlines property purchases across Cornwall.
- We deliver end-to-end support from initial consultation to mortgage completion.
Associations and certifications
- Financial Conduct Authority
What people say
First class service
Friendly and professional
Highly recommended
Process made easy
No major issues
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. Our advisers simplify the buying process with tailored guidance on eligibility, deposits, and government schemes. We ensure competitive rates and clear explanations of long-term commitments.
Buy to Let Financing
Comprehensive support for property investors seeking buy-to-let mortgages. We assess portfolio requirements, rental income projections, and tax implications to secure optimal financing solutions for residential and commercial investments.
Life Insurance Cover
Customisable life insurance policies to safeguard families and financial commitments. Our advisers evaluate individual needs to recommend term life, critical illness, or combined protection products aligned with mortgage obligations.
Remortgage Solutions
Expert remortgaging advice to reduce payments, release equity, or adjust loan terms. We analyse current agreements, market rates, and future goals to identify cost-effective refinancing opportunities without penalties.
Equity Release Schemes
Tailored equity release options for homeowners seeking to unlock property value. We explain lifetime mortgages and home reversion plans, ensuring clients understand financial impacts and inheritance considerations.
People
Tom Crapp
Director / Mortgage & Insurance Adviser
Certified broker with 15+ years' experience, founding Cornwall Mortgages in 2012. Specialises in residential and commercial mortgages, supporting clients from first-time buyers to complex SPVs while actively engaging in local sports sponsorship.
Liz Bignell
Mortgage & Insurance Adviser
Qualified CeMAP adviser since 2016, focusing on first-time buyer support and protection products. Leverages risk management expertise to create tailored insurance solutions while enjoying outdoor activities and travel.
Chirstie Perryman
Mortgage & Insurance Adviser
Experienced adviser since 2018 with prior estate agency background. Simplifies mortgage processes for clients while balancing family commitments and fitness activities.
Dani Molloy
Business Support Officer
10-year financial services veteran with compliance expertise, supporting mortgage journeys since 2022. Manages regulatory requirements while enjoying family time with her son.
Tina Jenkins
Business Support Officer
25-year industry professional with compliance leadership experience, joining Cornwall Mortgages in 2022. Combines regulatory expertise with client support while enjoying countryside walks with her dog.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgaging, buy-to-let investments, new build financing, and equity release schemes.
Are your services regulated?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA number 984577) for your protection.
How do you support first-time buyers?
We provide step-by-step guidance on eligibility, deposits, government schemes, and mortgage applications to simplify your first property purchase.
What insurance products can you advise on?
We offer life insurance, critical illness cover, income protection, family benefit plans, and property insurance tailored to your needs.
Do you offer commercial mortgage solutions?
Yes, we assist with commercial mortgages, secured loans, and bridging finance for business property requirements.
