Who we are

At PFL Mortgages, we do things a little differently. We’ve been finding mortgage deals for clients around the UK for over 25 years. Arranging a mortgage isn’t something you do everyday, but it is something we do everyday. Unlike our competitors, we don’t just find you a mortgage deal - we’re with you every step of the way.

At PFL, we work to the following values...

1. We want to find you the best mortgage deal we can.
2. We want to offer outstanding customer service throughout the whole process.
3. We work for YOU, not the estate agent- and will be honest with you every step of the way to get you the best possible outcome.

PFL Mortgages. Honest, friendly advice.

We understand that everyone's different, and that's why our approach to getting you a mortgage is as individual as you. We know mortgages are complex and that's why we work hard to get to know you and your desired outcome. We then provide quality advice and practical guidance to help get that outcome for you.

With PFL, our values mean everything. Advice that helps you to navigate the complex world of mortgages, free of financial jargon and safe in the knowledge that our team is at your side, every step of the way.

Our team are happy to chat at a day, time and location most convenient to you, and these meetings are usually arranged by prior appointment. Why not have a chat with us and see how we can help you?

Say Hello to our team.

Our friendly team are based at our headquarters in Derby, and we work with customers all around the country. Here are some of the faces you might see or talk to when you arrange a chat with us.

Graham Salloway Managing Director Learn more about Graham

Charles Salloway Senior Mortgage Adviser Learn more about Charles

Craig Litchfield Mortgage Adviser/Armed Forces Specialist Learn more about Craig

Bev Green Protection Co-ordinator Learn more about Bev

Annie Salloway Marketing Manager/Armed Forces Coordinator Learn more about Annie

Dawn Gordon Sales Support Manager

Eleanor Salloway Accounts Manager Learn more about Eleanor

Don’t just take our word for it - here’s what our customers say...

We’re not just about getting you the best mortgage deal possible, we also do everything we can to offer you outstanding, industry leading customer service. So have a read of what our customers think about their experiences with us.

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.

Jen Mortgaged in July 2024

We have been very impressed with PFL Mortgages. Charles, our broker, was very thorough and kept us informed of all our options particularly during the time when lenders started pulling products and increasing rates. We managed to secure a deal that suited us and our current situation. We finally moved in a couple of weeks ago and are very happy. Thank you.

Saiidy & Becky Mortgaged in July 2024

We have used PFL Mortgages a few times now, and they have always provided us with the best deals and really helped us when explaining the process of buying a house. They even helped us manage a particularly challenging solicitor. A big thank you to Charles and Dawn for making the process a lot easier for us. Customer service was great and worked around our unsociable shifts allowing us to get the process done quicker. We couldn't recommend them more.

Charlotte & Sev Mortgaged in May 2024

We've used PFL mortgages a few times now and would definitely do so again.
Charles was very diligent in making sure we had the best option for our specific circumstances and took plenty of time to understand and advise us whilst Dawn kept us updated on a regular basis.
In the past I have changed mortgages and life insurance on my own but using PLF definitely made the process easier for us and helped us to consider scenarios we wouldn't have considered without them.
We were very happy with the deal we got, and we'd like to thank the team for all their help, support and hard work.

Kelly & Mark Mortgaged in March 2024

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.

Stefanos Mortgaged in March 2024

My husband and I recently remortgaged and Craig helped us every step of the way. From the initial stage right through to completion, nothing was too much trouble. Time and care were taken along the way to ensure we were getting the best deal to suit us. We couldn't be happier with the professional and friendly service we received. We would highly recommend PFL Mortgages, and huge thanks to Craig and the team once again for their help! Definitely 10/10

Gemma Mortgaged in February 2024

I recently purchased my first home as a 26-year-old first-time buyer with an average credit score knowing very little about the home ownership world. I couldn't have done it without the incredible support and guidance from Charles and Dawn at PFL. They made the entire mortgage process smooth and stress-free, offering expert advice every step of the way any time of the day. I'm now happily settled in my new home, and I highly recommend Charles to anyone looking for a reliable and knowledgeable advisor.

Jake Mortgaged in February 2024

Craig found me an excellent deal with no early repayment fee attached to it. The communication was really good; both swift and on the ball. I will definitely be a returning customer.

Ian Mortgaged in January 2024

The process was simple as everything was explained in a way I understood. I got a great deal that was in line with my budget. Communication was fantastic as nothing was too much for them to handle promptly and professionally. I would definitely use Charles and Dawn again and highly recommend them.

Annette Mortgaged in October 2023

My boyfriend and I used PFL Mortgages to buy our first home and were so impressed with the service we received. Charles and Dawn were both so clear and prompt with their communication and made the whole process seem so simple. We had the most communication with Charles and couldn't have been more impressed with the service he provided us with. He worked around our schedule and kept in contact without any issues or delays, our experience with Charles and Dawn were by far the best part of the whole process of buying a home. Charles kept us up to date with the mortgage rates and managed to get us a better deal once the mortgage offer had already been received, saving us some money every month! We will absolutely use the service again and couldn't recommend enough.

Beth and Jake Mortgaged in October 2023

As a really busy mum of two with a full time job and other half working away a lot of the time, the dread of remortgaging made me feel sick. However my dad couldn't recommend these guys enough so I gave them a ring.

Charles was fantastic! He broke everything down into easy terms and talked me through the process. He called at convenient times for me, which was very helpful as sometimes I was so busy after work and collecting the little ones from school etc. He shopped around for me and got me the best deal on the market. Thankyou!

Amie Mortgaged in September 2023

I would like to a huge thank you to PFL Mortgages in helping me find the right remortgage deal recently. Charles was brilliant and very quick and efficient in applying for the mortgage with the best rate/offer. We were kept informed every step of the way. Would definitely recommend using PFL Mortgages and won't hesitate to use them again in the future.

Sarah and Stuart Mortgaged in September 2023

Thank you so much to Charles, Dawn & the team at PFL Mortgages. They all worked hard to get myself & my partner the best deal possible on a mortgage, meaning we have now got our dream home. The communication was great; we were kept up to date regularly & they were also quick to respond to any questions or queries we had. We would definitely use them again & recommend them to everyone. Thanks so much for everything!

Sophie and Lewis Mortgaged in July 2023

We got in contact with PFL through my partner’s work and they were fantastic. They helped us transfer our previous mortgage to our new one and get us the best deal. The service was great, everyone was friendly, happy to help and really quick at responding to emails. We spoke to Charles on the phone a few times and he went above and beyond to answer any questions we had. Dawn helped us by chasing our solicitors which we really appreciate. Can’t fault PFL at all and I wouldn’t hesitate in using them again or recommending them.

Charlotte Mortgaged in July 2023

We received a first-class service from Charles, we would definitely recommend PFL to friends and family. Charles was very friendly and put us at ease straight away. His communication was excellent and he took the time to listen and explain things clearly. He gave us personalised advice that was tailored to our specific situation.

Jane Mortgaged in May 2023

They helped made the process very simple, answering any questions which we had very fast. Would 100% use again.

Harry Mortgaged in May 2023

PFL Mortgages have been wonderful from start to finish, incredibly responsive and proactive, and always with a warm manner. Would highly recommend their services.

Kathryn Mortgaged in March 2023

As first time buyers my partner and I are very happy we was referred to PFL mortgages. Charles was very supportive when arranging our mortgage and looking for the best option for us.

The communication was amazing from Charles and he would call at the times that suited my partner and I best so we could both be included in the discussions. Once the mortgage was arranged he proceeded to help us with Life insurance which he was very clear about the options available and ensured my partner and I was comfortable and well informed to make our decision.

After the mortgage PFL mortgages also referred us to a solicitors which was super helpful as well. Dawn from PFL mortgages also assisted with chasing up the solicitors and kept us well informed on any updates on our behalf. Dawn also referred us to arrange our home and contents insurance which was well organised and arranged with ease.

My partner and I are VERY happy with our experience with this company and will be using them again in the future for any mortgage or insurance requirements. Thank you.

Katie and Jack Mortgaged in February 2023

We would like to thank all at PFL Mortgages but especially Charles. Amazing service, amazing mortgage deal found that suited our needs and finances. The process was easy and communication was excellent throughout. So glad we shared our amazing journey with this great company. will definitely be back in a couple years to renew the mortgage.

Katy, Mike and Kids Mortgaged in January 2023

PFL Mortgages were fantastic from start to finish. Professional, timely and really helped me. In the first meeting they really listened to my needs and were quickly able to begin the process of finding me a mortgage. Despite me having to change properties and deposit amounts throughout the process, they were able to effectively liaise with the mortgage lender to find me the best mortgage with the best interest rate available. I can't recommend them enough and will go back when my fixed rate is due to expire to get the best deal again.

Rob Mortgaged in January 2023

I highly recommend PFL mortgages. We’ve used them for mortgage brokerage and life insurance and the process was so easy for both. Charles and Dawn are great to work with, Charles had calls with us at times that suited our young family and always made time to answer all of our questions (however silly they may have been !)

What could have been a stressful process (especially in current turbulent times) was made simple and easy. Charles got us a great (and flexible) deal whilst Dawn followed everything through to completion, doing a lot of chasing on our behalf.

Wouldn’t hesitate to use again and would recommend to anyone.

Kym Mortgaged in December 2022

I would recommend PFL Mortgages to any friends or family. The services we required were Mortgage advice, Mortgage brokering, Conveyancing and Insurance brokerage in order to purchase our first property.

Many parts of this process could have been stressful and time consuming, however PFL took all of that away. With regular catch ups and communications throughout the process it allowed us to stay informed and make the decisions needed while the team did all the leg work. There was a solution for every problem.

I never had to chase them for an update and they answered many (sometimes silly) questions. With the current rising mortgage rates they managed to secure us a deal far greater than I found on comparison sites.

We will be using this company for the foreseeable future and only wish we could have found them earlier.

Tom and Lydia Mortgaged in October 2022

Brilliant service from start to finish. Very pleased with the deal they found for us. The team were really helpful and supportive at every stage from start to finish, and great at ironing out any wrinkles as they arose along the way.

Alice Mortgaged in October 2022

PFL Mortgages were recommended to me by my sister and I'm so glad she did. They have been amazing from Charles, who started the ball rolling and was very reassuring and found me a great new deal, to the brilliant Dawn who was there every step of the way. She kept me up to date with everything and was fantastic at chasing information. I would absolutely recommend PFL and I will be using them again in the future.

Mandy Mortgaged in October 2022

We were recommended to PFL by a friend and we are really glad that we were.

From our initial discussions and guidance from Graham (during covid) with our complicated financial situation to working with Charles who helped us from start to finish to get a mortgage with a high street lender at a great rate and who also helped navigate the insurance world and get us both great deals for our life insurances. We could not have done any of this without their guidance and knowledge of the systems. They went above and beyond and were always there to help, nothing was too much trouble.

Dawn was instrumental in getting our house purchase over the finish line and kept us updated all the way.
We honestly can't thank you enough and will certainly recommend you to anyone.

Vicki and Chris Mortgaged in September 2022

I have used PFL numerous times and have always found their staff to be helpful, friendly, courteous, and very knowledgeable. I would not hesitate to use them again. Thanks Dawn for your Help!

David Mortgaged in July 2022

I would highly recommend PFL mortgages. We have used their services twice now and would not go elsewhere. The communication and follow up have been excellent and we have been really pleased with the rates and deals found for us with our various needs and requests. I would not hesitate to recommend to others (and have done!)

Donna Mortgaged in July 2022

PFL mortgages are amazing! They are extremely welcoming and answered each question I had professionally and quickly not matter how small it may be.

I spent hours trying to find a deal myself however, I was unsuccessful in getting a good rate. The deal they found for me was incredible and everything ran very smoothly. This was my second time using them and I will not be going anywhere else! They are worth every penny.

Thank you PFL mortgages. You have taken the stress away for me and I could not recommend your service enough.

Harriet Mortgaged in July 2022

Friendly, helpful and attentive. PFL manage the whole mortgage process and always communicate well throughout. Nothing is too much hassle and they always keep the solicitors on their toes which really adds value when time is of the essence in the property market. I have used them multiple times and always recommend them to friends and family.