Business Details
21 Years
experience
Your Trusted Mortgage Brokers in Leeds
Response Mortgage Services has been providing independent mortgage advice since 2005, built on a foundation of honesty and ethical practice. Our team of specialists combines decades of industry experience with daily market research to offer tailored solutions for first-time buyers, remortgagers, and buy-to-let investors. As an FCA-authorised firm, we maintain strict professional standards while prioritising client needs through transparent communication and comprehensive market analysis.Our commitment to customer service is demonstrated through our whole-of-market approach, ensuring access to the most competitive mortgage products available. With a proven track record of successful completions, we combine technical expertise with personalised support to guide clients through every stage of the mortgage process.
Services
First Time Buyers
Re-Mortgages
Buy to Let
Right to Buy
Self-Employed Mortgages
Bad Credit Mortgages
Later Life Lending
Life Cover
Income Protection
Home Insurance
Details
- Year established: 2005
Highlights and features
- We offer FCA-regulated mortgage advice with ethical standards
- Our team has 20+ years combined mortgage market expertise
- We provide whole-of-market product comparisons
- Personalised service from initial consultation to completion
- Transparent fee structure with 495 service charge disclosed upfront
Associations and certifications
- Financial Conduct Authority
What people say
Professional and supportive
Quick to respond
Helpful and thorough
Efficient service
Stress-free process
Services
First Time Buyers
Specialist mortgage advice for first-time purchasers navigating property purchase. We explain different mortgage types, eligibility criteria, and help secure competitive rates. Our support includes application preparation, documentation guidance, and ongoing support through the conveyancing process.
Buy to Let
Tailored financing solutions for property investors. We assess portfolio requirements, explain tax implications, and source buy-to-let mortgages with optimal terms. Our service includes cashflow analysis, landlord insurance options, and guidance on regulatory requirements for rental properties.
Life Cover
Customised life assurance policies to protect dependants financially. We help determine appropriate coverage levels, policy terms, and explain different plan types. Our service ensures mortgage protection while balancing broader family financial security requirements.
Re-Mortgages
Expert remortgaging advice to secure better rates or release equity. We analyse existing deals, compare market options, and manage the transition process. Our service includes penalty calculations, new lender negotiations, and completion support.
Bad Credit Mortgages
Specialist mortgage solutions for applicants with credit challenges. We assess individual circumstances, explain lender criteria, and identify suitable products. Our support includes credit improvement strategies and documentation preparation to strengthen applications.
People
Andrew Quinn
Managing Director
With 20 years' experience, Andrew established Response Mortgages in 2005 after working with a national insurance company. He specialises in residential and buy-to-let mortgages, combining strategic oversight with hands-on client support while maintaining the firm's ethical standards.
Kevin Lawson
Senior Mortgage Adviser
A mortgage professional since 1989, Kevin brings extensive experience from leading Leeds estate agencies. He specialises in residential and buy-to-let mortgages, focusing on client protection strategies while maintaining the firm's customer-first ethos through personalised service.
Josh Quinn
Operations Manager
Joining in 2018, Josh progressed from work experience to Operations Manager. His hands-on approach combines technical expertise with client communication, ensuring smooth processes while maintaining the firm's commitment to ethical mortgage advice and service excellence.
Siobhan Haran
Mortgage Adviser
With 15 years' industry experience since 2007, Siobhan provides expert mortgage and protection advice. Her background with major estate agents ensures comprehensive market knowledge, delivered through a client-focused approach that prioritises clear communication and tailored solutions.
Laura Capaldi
People & Development Manager
Bringing estate agency expertise since 2021, Laura focuses on client journey optimisation. Her role combines team development with direct client support, ensuring consistent service quality through her commitment to transparent communication and customer satisfaction strategies.
Questions
What mortgage options are available for first-time buyers?
We offer comprehensive advice on all first-time buyer mortgages including government schemes, 95% LTV products, and traditional deposits. Our specialists explain eligibility criteria, help compare rates, and guide you through the application process.
Can I remortgage with bad credit?
Yes, we specialise in adverse credit cases. Our advisers assess your specific situation, explain lender criteria, and identify suitable products while providing practical advice to strengthen your application and improve approval chances.
What fees does Response Mortgages charge?
Our standard mortgage advice fee is £495, disclosed upfront. We also receive commission from lenders, which we retain to cover our services. All costs are explained clearly before proceeding with any application.
How do you find the best mortgage rates?
As whole-of-market brokers, we access all available products daily. Our specialists compare rates across lenders, analyse market trends, and use our expertise to identify the most competitive deals matching your specific circumstances.
What protection options should I consider with a mortgage?
We recommend life cover, critical illness, and income protection policies to safeguard your mortgage. Our advisers explain different options, help determine appropriate coverage levels, and ensure your family's financial security alongside your mortgage commitments.
How does the mortgage application process work?
We begin with a fact-finding consultation to understand your needs, then provide tailored recommendations. After selecting a product, we assist with documentation, liaise with lenders, and guide you through each stage until completion.
Reviews (7)
James Masterson
Jun 20, 2022
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The service we received from the Response team (Kevin and Zoe) was professional, informative and timely. They made the process really easy and gave us great advice throughout the whole process. I couldn't recommend them enough to anyone who is looking for mortgage advice. Thank you for all your help
Dania Erakovic-Ward
Jun 17, 2022
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From start to finish, our experience with Response Mortgages has been fantastic. Communication was always prompt and we were given lots of information and guidance as first time buyers. We would like to say a huge thank you to Kevin and Zoe for all of their help and look forward to working with them again once our mortgage is up for renewal!
Nik B.
May 18, 2022
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Very helpful service. I have used Andy and the team at Response Mortgages many times over the years to sort out the best mortgage for us. Their communication is great and their advice is sound.
Lesley Levi
May 13, 2022
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This is the second time I have used response mortgages and once again the have blown me away with their outstanding customer service. Zoe and Kevin made my re-mortgaging process a pleasure. They responded to my queries in record time and I would highly recommend. I wouldn't use anyone else!
Shinycraft
May 02, 2022
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Excellent service, recently got us a great deal on our remortgage. Gemma and Imogen were both fantastic and a pleasure to deal with. I would have no problem at all recommending them to anyone. Thank you!
Nick R.
Apr 19, 2022
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Kevin & Zoe were great through the process of quoting for and organising our mortgage. Despite a couple of bumps in the road they helped us find a great deal and saw it through for us to get our new home. They were always available and willing to help despite me being high maintenance. Thanks again to you both, I can't recommend you highly enough.
Alex Kery
Apr 02, 2022
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Absolutely fantastic from start to finish for our mortgage application. Always there to answer every question we had big or small with. Definitely have fantastic mortgage advisors for life here. Thank you
