Business Details
28 Years
experience
Expert Mortgage Brokers in Norwich
Established in 1998, N M Finance has built a reputation as a trusted independent mortgage broker with over 25 years of industry expertise. Our team combines deep market knowledge with a client-centric approach, offering tailored financial solutions across residential, commercial, and specialist mortgage sectors. Regulated by the Financial Conduct Authority, we maintain direct relationships with over 80 lenders annually to secure competitive rates for diverse client needs.Our whole-of-market strategy ensures access to 100+ lenders, while our first-hand experience in property finance enables practical advice for complex cases. With offices in Norwich and London, we serve clients nationwide, supported by a 2025 Golf Day charity initiative demonstrating our community commitment. Our proprietary processes streamline applications, evidenced by 9,000+ mortgages arranged and 2.65bn in finance secured since inception.
Services
Mortgage Brokering
Development Finance
Bridging Loans
Equity Release
Self-Build Mortgages
Commercial Mortgages
Buy-to-Let Finance
Remortgaging
Details
- Year established: 1998
Highlights and features
- 25+ years of mortgage industry expertise
- FCA-regulated with nationwide coverage
- Whole-of-market access to 100+ lenders
- First-hand property finance experience
- 2.65bn in finance arranged since 1998
Associations and certifications
- Financial Conduct Authority
- Equity Release Council
What people say
Amazing broker
Seamless process
Expert guidance
Competitive rates
Lifesaver for complex cases
Services
Mortgage Brokering
Our mortgage brokering service provides access to 100+ lenders through a whole-of-market approach. With FCA regulation and 25+ years' experience, we specialise in residential, commercial, and specialist mortgages. Our team handles complex cases including adverse credit, self-employed applications, and high-value loans, securing competitive rates through established lender relationships.
Development Finance
We arrange development finance for residential and commercial projects nationwide. Our expertise covers ground-up developments, conversions, and refurbishments. With access to specialist lenders and first-hand experience in property development, we provide tailored funding solutions for single-unit projects through to large-scale developments with flexible drawdown facilities.
Equity Release
As Equity Release Council members, we offer regulated lifetime mortgages and drawdown options. Our specialists help clients access property equity while maintaining residency. We provide lump sum and staged release options with inheritance protection features, working with approved lenders to ensure transparent, sustainable retirement financial solutions.
Bridging Loans
We source bridging finance for property purchases, auctions, and development projects. Our unregulated bridging solutions offer fast completion times with flexible terms. With access to specialist lenders, we arrange loans for residential and commercial properties, including non-standard assets requiring bespoke financing structures.
Commercial Mortgages
Our commercial mortgage service covers investment properties, development sites, and business premises. We work with specialist lenders to arrange financing for offices, retail units, and industrial estates. With expertise in complex cases, we provide solutions for self-employed professionals, limited companies, and property portfolios.
People
Des Mace
Founder
Co-founded N M Finance in 1998 with his son Max. Built the business from a small Holt office to 18 staff across two locations. Maintains hands-on involvement in strategic decision-making.
Questions
What mortgage types do you offer?
We provide first-time buyer, buy-to-let, commercial, development, equity release, and specialist mortgages through our whole-of-market panel.
Are you FCA regulated?
Yes, we're directly authorised by the Financial Conduct Authority (registration 305324) for mortgage and insurance mediation.
How do you find competitive rates?
Our whole-of-market access to 100+ lenders and 25+ years' industry relationships enable us to secure optimal financing solutions.
Do you handle complex cases?
Yes, our team specialises in adverse credit, self-employed, and unusual mortgage applications with proven success.
What areas do you cover?
We operate nationwide with offices in Norwich and London, serving clients in Norfolk, Cambridgeshire, Essex, and beyond.
Can you help with equity release?
As Equity Release Council members, we offer regulated lifetime mortgages and drawdown options tailored to retirement needs.
Reviews (7)
Janette Yaxley
May 24, 2022
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Excellent service from Beverly and the team. She made the process easy and painless, offering advice and support at very step of the way. I felt confident in the expertise and knowledge provided. A special mention to Rebecca too who organised the necessary top-up to out life insurance. Her knowledge of the market enabled us to make an informed choice as to what would best meet our needs. I would highly recommend N&M for all your financial needs.
Sadia J.
Apr 03, 2022
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Excellent service, Gregg Baker dealt with my case very patiently for 2 years. Always very responsive. I am very satisfied.
Peter Holyer
Apr 02, 2022
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Remortgaged with N M Finance and the service from start to finish has been fantastic. A big thank you to Beverley who took us through the remortgage and made everything very smooth with the knowledge she has. Also Megan who kept us up to date with the process which was a great help and Steve who organised an insurance cover for us. We will definitely be returning in the future. Thank you, Pete & Naomi
Rachel Hughes-Green
Feb 14, 2022
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From our first call with Max at NM Finance, and ever since, there has been a superb, friendly assurance that nothing was too much trouble. We can't really thank NM Finance enough and this extends to their whole team and wider partners, who are all equally amazing and friendly- their combined effort, advice, wisdom and assistance meant the whole process of this project was so very positive, professional, swift and.well pretty life changing!
The whole family are very grateful to Max, who is a pleasure to work with, and we sincerely look forward to working with them all again in the future because the whole experience has been utterly brilliant and their expertise is outstanding, we honestly don't think there is anyone else who could have navigated this project so well. Thank you so much!
The whole family are very grateful to Max, who is a pleasure to work with, and we sincerely look forward to working with them all again in the future because the whole experience has been utterly brilliant and their expertise is outstanding, we honestly don't think there is anyone else who could have navigated this project so well. Thank you so much!
Sam Blagg
Feb 08, 2022
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Beverley guided me through the application and got me a great deal when my existing mortgage deal came to an end. A very professional and personable service.
David Peppercorn
Dec 22, 2021
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It's always a pleasure to deal with Max and his team and would 100% recommend to anyone looking for finance. We completed our first Bridging Finance deal at the beginning of the year and it was a hassle free, smooth and quick process. Since then we have completed several mortgages, remortgages and a further bridge.
Richard Clay
Dec 20, 2021
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This is the second time I have used NM finance i I can honestly say there service is of the highest standard both professional and personal. Beverley who dealt with my mortgage found out all my requirements and matched the right mortgage to meet my needs. I also needed some support along the way and they were so accommodating and happy to help. I would also like to thank Ellie who also helped me out in Beverley's absence. Wishing you all the best in the future and I will definitely be recommending you.
