Business Details
Your Trusted Mortgage Broker in Truro
Southwest Mortgages has been dedicated to providing tailored mortgage solutions since its establishment. Our team specialises in guiding first-time buyers through government schemes like Help to Buy and Shared Ownership, ensuring clarity and support at every stage. For those seeking remortgaging opportunities, we conduct comprehensive market research to secure competitive rates, with options to adjust mortgage terms or access additional borrowing. We cater to buy-to-let investors by offering flexible commercial lending solutions, helping clients maximise property investments for income or retirement planning. Our commercial finance services extend to bridging finance and development loans, supporting diverse property acquisitions. Through equity release options such as lifetime mortgages and home reversion plans, we enable clients aged 55+ to access capital tied in their homes. Our insurance services, including life cover and income protection, are designed to safeguard families against unforeseen circumstances. With a focus on transparency, we provide free protection reviews and handle application processes on behalf of clients. Operating from Truro, Cornwall, we maintain open communication channels via phone and email, ensuring accessibility for all inquiries. Our commitment to client education and long-term financial security underpins every service we deliver.
Services
Mortgage Brokers
Remortgaging
Buy To Let Mortgages
Equity Release
Insurance Services
Commercial Finance
Government Schemes
Life Protection
Income Protection
Critical Illness Cover
Served areas
- West Cornwall
Details
- Licensed
- Insured
Highlights and features
- We offer personalised mortgage advice tailored to individual financial circumstances
- Our team works with multiple commercial lenders for comprehensive market coverage
- We provide free protection reviews for all insurance-related services
- Our advisors specialise in government-backed first-time buyer schemes
- We handle complex equity release applications for clients aged 55+
Payment methods
- Cash, Debit cards, Credit cards, Bank transfers
Services
Remortgaging
Our remortgaging service helps clients secure better rates up to three months before their current deal ends. We compare the entire market to find optimal terms, with options to adjust mortgage duration or access additional funds for home improvements, debt consolidation, or capital raising. Our team ensures transparent comparisons between existing lender offers and new market opportunities.
Equity Release
We facilitate equity release solutions for clients aged 55+ through lifetime mortgages and home reversion plans. These options allow access to property equity while maintaining residency rights. Our advisors explain inheritance protection options and help clients choose between lump sum payments or regular income streams to enhance retirement or support family needs.
Buy To Let
Our buy-to-let mortgages cater to both new and experienced landlords seeking property investment solutions. We connect clients with commercial lenders offering competitive rates for rental income generation or retirement planning. Services include portfolio management advice and financing options for single or multiple property acquisitions across residential and mixed-use buildings.
Insurance Services
We provide comprehensive insurance solutions including life cover, critical illness protection, and income insurance. Our free protection reviews ensure adequate coverage levels for dependants. The team manages application processes for policies that safeguard against income loss due to sickness, disability, or terminal illness, with options for combined buildings and contents coverage.
Government Schemes
We specialise in government-backed schemes like Help to Buy and Shared Ownership for first-time purchasers. Our advisors explain eligibility criteria and application processes for discounted equity options. We help clients calculate borrowing capacity and navigate the transition from scheme mortgages to standard residential deals after the initial fixed periods.
Questions
What mortgage options exist for first-time buyers?
We offer Help to Buy, Right to Buy, and Shared Ownership schemes with expert guidance on eligibility and application processes.
Can I remortgage before my current deal ends?
Yes, we recommend starting three months before your rate expires to secure better terms or adjust your mortgage structure.
What equity release choices are available?
We provide lifetime mortgages and home reversion plans allowing tax-free cash access while maintaining residency rights.
Do you offer buy-to-let mortgage solutions?
Yes, we connect investors with commercial lenders offering competitive rates for residential and mixed-use property investments.
What insurance products do you provide?
We offer life cover, critical illness protection, income insurance, and property insurance with free protection reviews.
How do commercial property mortgages work?
We arrange financing for fully commercial properties, bridging loans, and development projects with specialist lenders across Cornwall.
Reviews (9)
Lena Nottle
Mar 02, 2021
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So impressed with the service from our adviser Shaun Harvey he explained everything so clearly to me as sometimes I find it difficult to understand we have been with Nat West Mortgage for over 20 years can't believe how much we have saved would highly recommend.
Christopher Johnson
Feb 26, 2021
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I highly recommend the services of JS Miller. My adviser Shaun Harvey tailored my financial requirements perfectly and with understanding, offerering excellent advice.
Sparkosmith
Feb 24, 2021
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Outstanding service, from Shaun Harvey in particular. Of all the parties involved with buying my first property, Shaun was the most efficient, informative and best value for money of all. I would and already have highly recommended South West Mortgages and Shaun to others, in particular those very naive when it comes to mortgages.
Christopher Johnson
Nov 11, 2020
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I highly recommend the services of JS Miller. My adviser Shaun Harvey tailored my financial requirements perfectly and with understanding, offerering excellent advice.
Darren Ward
May 05, 2020
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First class service, very helpful and honest, will definitely use again and would recommend to anyone.
John Walker
Apr 11, 2020
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Fantastic, professional service, I've recommended these guys to all my family and friends. They just get the job done. Highly recommended.
John Walker
Apr 06, 2020
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Fantastic, professional service, Ive recommended these guys to all my family and friends. They just get the job done. Highly recommended.
Carrie Trerise
Jan 07, 2018
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Brilliant company with super friendly & helpful staff, always in communication with you and never fail to return your calls. Would highly recommend to everyone!
Carrie Trerise
Brilliant company with super friendly & helpful staff, always in communication with you and never fail to return your calls. Would highly recommend to everyone!