Moving house mortgages

A big thank you to PFL Mortgages. We found out about them in an Armed Forces magazine. We were buying our first house and didn't know where to start. They were excellent mortgage brokers, telling us what we would likely be able to borrow and then going to the market to find the best deal for us. They also kept an eye on the change in mortgage rates offered by banks. They then searched for best deal for mortgage and illness cover too. Even when that was done they continued to engage with estate agents and solicitors to hasten completion. No fee was paid by us, as they took commission off the lender. I would highly recommend them.

Outstanding service from Craig at PFL Mortgages. Our house purchase became very challenging when spray foam was discovered in the loft. The lender deemed it a risk and withheld funds until the roof was replaced, which had to be negotiated with the vendor under a very tight timescale to keep our buyers.

Craig made the whole process simple and stress-free. He went above and beyond, securing us a very competitive rate, dealing with the lender to arrange additional funds, and even organising a re-valuation once the works were complete. His professionalism, calm approach, and excellent communication kept us reassured and fully informed at every step.

Without Craig's dedication, expertise and support, we simply would not have been able to complete and move into our dream home. We are so grateful for everything he did and would 110% recommend Craig and PFL Mortgages to anyone looking for outstanding mortgage advice and service.

Thank you, Claire & Matt.

Fantastic company to deal with - the whole process was made so easy, which is key when dealing with the stressful process of moving house! The team kept us up to date with every step and actually re-applied a number of times during the process as a better deal was available. We were able to contact the team whenever we needed to and every question was answered quickly and in full - via email or WhatsApp, ensuring no delays. I cannot recommend PFL mortgages highly enough - highly professional, streamlined process with excellent communication throughout, we will definitely use them again when we need to remortgage!

We recently used PFL Mortgages and couldn’t be happier with the service. From start to finish, the process was incredibly straightforward and stress-free. The team were brilliant at keeping us updated and made sure everything moved along smoothly.

They secured us a fantastic mortgage deal, and their communication throughout was second to none — we always felt in the loop and well looked after. It genuinely felt like they had our best interests at heart the whole way through.

We’d absolutely use PFL Mortgages again and have already recommended them to friends and family. Thank you again for all your help!

5 Stars – A Life-Changing Experience Thanks to Charles!

Getting my first mortgage was something I had always imagined would be intimidating and overwhelming—but thanks to Charles, it became one of the most empowering and positive experiences of my life.

From our very first conversation, Charles made me feel seen, heard, and genuinely cared for. He took the time to walk me through every step, never rushed me, and answered every single one of my (many!) questions with patience and clarity. What stood out the most was his honesty—he made sure I understood not just what I could afford, but what would be smart for my future.

Charles went above and beyond, treating my situation like it was his own. He celebrated every milestone with me and never made me feel like just another client. Thanks to his hard work, I’m now waking up every day in a home that’s mine—a feeling I still can’t quite believe is real.

If you’re lucky enough to work with Charles, know that you’re not just getting a mortgage advisor—you’re gaining a trusted partner and a genuinely kind human being who will have your back from day one.
Thank you, Charles, from the bottom of my heart. You’ve made my first home possible—and I’ll never forget it.

We recently renewed our mortgage with PFL after being a customer for a number of years, Dawn & Charles made the process super smooth and easy!

They were always at the end of the phone ready to answer my questions, no matter how small, they put me at ease.

Having a broker that is attentive is amazing, even though we hadn’t spoken for a number of years, Charles still remembered our personal situation including our children’s names which I thought was so thoughtful of him and it made our experience much more personal, rather than feeling like your just a number.

For that reason alone, I would 100% recommend to any friends and family!! Attention to detail, getting to know your customer on a personal level makes a much more enjoyable experience.

Thank you Charles & Dawn

Craig, my mortgage advisor was incredible. He listened to me throughout the entire process, offering me guidance on the best deals and keeping me informed at absolutely every step of the process. We managed to get a great deal on my mortgage because the rates had just dropped so we waited out a week or so to get the best deal and he went above and beyond asking all types of questions about the nuances of the mortgage offer that I had.

Craig was so informative, and it was a long and frustrating process, but Dawn and Craig were so good, helping to chase my solicitor at all stages and on the other end of the phone for anything I needed. I would recommend to anyone and also would use you again if I ever came to buying again.

Thank you to Craig and thank you as well to Dawn

I recently worked with PFL Mortgages, and I couldn’t be more impressed with the entire experience. The process was simple. The team (Charles Graham and Dawn) guided me every step of the way, making sure I understood everything without feeling overwhelmed.

As being a first time buyer, I sat down with Charles and told him my available funds and we had a discussion on what I could afford and what would be right for me, not only that he showed me the difference between a variable mortgage and a fixed mortgage and how putting a bigger deposit down would mean less interest.
What was really good, was the communication. They were always available to answer any questions and kept me updated at every stage.

I would definitely and will be using PFL Mortgages again in 5 years time and would recommend them to anyone looking for a smooth mortgage experience.

What can I say about PFL Mortgages? Well, it’s easy, they are fantastic and I couldn’t have got through remortgaging at beginning of the year and porting my mortgage over this month without them, their expertise and knowledge is second to none.

I fired questions at them to help me understand what the solicitors are asking and got a simple answer swiftly. Nothing is too much for them.

They always look to get the best deal to suit you and your needs and go the extra mile to make sure everything is done in a timely manner. They simply make the job of all things mortgage easy and made my life a whole lot easier while moving house.

I certainly wouldn’t use anyone else and highly recommend PFL to everyone.

We used PFL Mortgages after a recommendation from a friend. Craig was so helpful, explaining everything from the outset. He sent all our options over and set it all out clearly.

Throughout the process, Dawn contacted our solicitors regularly for an update which was great and one less thing to think about.

Even only a week before exchange, Craig contacted us as he’d found a better deal, so we managed to get this sent through and organised right at the last minute and saved ££s on our monthly payments.

I would absolutely recommend the team and use them again in the future!

We recently used PFL Mortgages, and I can’t speak highly enough about the exceptional service we received from Charles and Dawn.

Charles was an absolute star throughout the entire process. No matter what time of day, he was always available to answer our questions, even late at night! His prompt responses and thorough explanations made us feel confident and well-informed every step of the way. It’s rare to find someone so dedicated and attentive, and we truly appreciated his support.

Dawn was equally fantastic, taking the stress out of the process by expertly handling all the communication with our solicitor and estate agent. Thanks to her proactive approach, we didn’t have to worry about chasing anyone—she kept everything on track and ensured that things moved smoothly and efficiently.

If you’re looking for a mortgage broker who goes above and beyond, PFL Mortgages is the one to choose. Charles and Dawn made what could have been a stressful experience feel seamless and straightforward. We’re incredibly grateful for their hard work and can’t recommend them enough!

Thank you for helping us get our dream home!

I have been using PFL Mortgages for many years and they always listen to my requirements and find me the best deal.

Unfortunately, interest rates have gone up since my last re-mortgage, but the PFL team were able to find me the least impacting deal from a monthly payments perspective, and kept scanning the market right up until the last day when the application went in, to make sure I had the best deal available for my circumstances.

I was able to have consultation calls at times to suit me, the team were very flexible. I was always kept up to date with the situation, and the process was very clear and smooth.

I would definitely use PFL again and have recommended them to many friends and family over the years.

PFL Mortgages helped me find the best available remortgaging deal in the current unstable market. We secured an initial deal with a lender, which was later improved as we waited for the end of the previously existing fixed rate. The timing of the deal was spot on for my circumstances. Communication was excellent, starting early in the process and continuing until the successful mortgage transfer between lenders.

Both Charles and Dawn were very helpful and attentive to any queries I had along the way and more importantly they made the process simple for me. I look forward to using PFL Mortgages again in the future, and I will happily recommend their services to others. Thank you again for all your help.