Personalised advice you can rely on.

Buying a home can be a milestone filled with excitement and aspirations. At Active Mortgage Services, we understand the importance of making careful decisions for what is often the biggest investment of your life. With decades of experience providing mortgage advice, we are a dependable partner for first-time buyers, homeowners and investors alike.

A lifetime of trustworthy service

For over four generations, our clients have trusted us to secure mortgages that fit their life stages—from the first exhilarating step onto the property ladder to finding a forever family home, remortgaging or financing an investment property. Our commitment to you extends far beyond the initial transaction; we build relationships that last a lifetime, and will be here for you at every turn.

Ready to discuss your mortgage options?

Get in touch for a no-obligation consultation and find out why Active Mortgage Services is the choice that generations trust.


First Time Buyer.

Embarking on your first home-buying journey can be a thrilling, yet nerve-wracking experience. At Active Mortgage Services, we're committed to guiding you from the start to completion, providing reliable advice every step of the way.

We use our extensive knowledge of the mortgage market and solid professional relationships to ensure our clients always experience peace of mind. Our advisers will guide you through the comprehensive process, helping you understand how much you can borrow and overseeing the entire mortgage application from start to end.

A mortgage might be one of the most substantial financial decisions you will ever make. So, engage our dependable advisers to uncover the best deal to for you.


Moving Home.

Now you have found the idea home for your next stage in life, the next step is to sort out the mortgage.
Our role is to streamline the process of buying and selling for you. We take a hands-on approach in overseeing the process - consistently communicating with estate agents, solicitors, lenders, and you, to ensure everything progresses smoothly.


We stand by our clients throughout life's transitions, striving to provide the deal that best fits your evolving needs. Are you relocating because your family is growing? Or considering downsizing? Is it time to safeguard your income? Could a different mortgage plan be more suitable for you?


With the wealth of comprehensive experience our advisers possess, we can provide the most appropriate advice for your own situation, now and in the future.


Remortgage.

Many mortgage offerings come with attractive initial rates featuring fixed payments for a set duration. Once this period ends, typically, you're shifted to the lender's standard variable rate. It is at this point, that the freedom to explore the market kicks in, offering you the possibility of securing a more favourable deal either with your existing lender or by moving to a more competitive lender.

There are other reasons you might wish to consider a remortgage.


Buy-to-Let.

Buy-to-let mortgages are for those aspiring to become a 'private landlord' and purchase a home to rent out. This approach can create a significant income stream, although it's vital to understand there is no guarantee that rental income will always cover your costs.


Becoming a private landlord isn't a hassle-free method to earn money. Maintaining the property, managing repairs, and staying compliant with legislation can be demanding tasks. You may also experience times when your property isn't occupied. Additionally, there is no assurance that property prices will always increase. It's possible to sell the house at a lower value than your buying price.


Equity Release.

Regulation for this type of lending requires additional care and more examination. We are pleased to have the necessary qualifications to advise on later life lending.

You may have heard the expression ‘mortgage prisoners’. This term is given to older clients who often have interest-only mortgages. Because of age or income requirements, it can be almost impossible to place a mortgage with another lender. This can often lead to the mortgagee having to sell their home and brings huge stress as the options run out with their current lender. Sometimes equity release has to be considered.


Equity release is when a client elects to draw money from their property with the loan being repaid on the death of the surviving mortgagee. In all cases we insist that legal advice is taken as the asset (the family home) is not equity free and can effect the estate left to family and other beneficiaries.


We only ever recommend lenders who are members of the Equity Release Council.

About Us.

Experience the assurance of a family-run business established in 1971. Our service is built on a foundation of trust and heritage, proudly serving you over four generations. Discover our commitment to professional excellence and dependable service.

Gordon

Chairman

Gordon set the business up in 1974 and is one of four generations of family working at Active. Still leading from the front, Gordon continues to encourage & train staff in a changing financial services environment. One thing that will never change is the care and attention given to clients. His insistence that the phone is answered in less than three rings tells you everything you need to know about his commitment to service.

When not working, Gordon is a keen musician and follows his beloved football team, Middlesbrough.

Emma

Managing Director

Emma is the next generation in the family business and has now seamlessly taken over day to day management of the various companies. Her tenacity is endless and she fully embraces the principles of service that have always been the priority of the business over the years.

When not working Emma enjoys family life and walking the family dog Barney.

Kevin

Mortgage & Protection Adviser

Kevin has worked in financial services for over 30 years, specialising in Equity Release, Bridging Finance & Secured Lending. He has extensive knowledge of the whole mortgage and protection market, ranging from Right to Buy’s to Buy to Lets, and a real passion for nurturing and helping first time buyers secure a mortgage.

When not working, Kevin enjoys football and is a keen golfer.

Ellie

Mortgage & Protection Adviser

Ellie joined our Apprentice Academy in 2015 after experience in retail, banking & the British Army. She has been a valued member of our team since qualifying as an Adviser in 2016. Ellie is a real people’s person and is passionate about giving the very best service to clients. We all follow Ellie’s mantra of "above and beyond".

Ellie enjoys spending quality time with her family, keeping fit and socialising with family & friends.

Alison

Head of Administration

Alison joined us in 2004 and has performed a variety of roles over the years. Alison’s experience and care is a vital cog in the wheel, and she exemplifies the importance of client service. Alison oversees operations, supporting the team with technology, compliance and training.


When Alison is not in the office her main hobby is showing her Cavalier King Charles spaniels and judging dogs home and abroad.

Abi

Trainee Mortgage Adviser

Abi joined us in 2019 to look after the day to day duties of the Yorkshire Building Society agency within our office. She is currently studying for her CeMap exam to become a Mortgage & Protection Adviser. Abi previously worked within the mortgage team of Santander.

Abi has a young son Edward and a daughter Dottie-Mae, who keep her busy away from the office. She is also a keen decorator.

Other members of the Active family

“Emma's expertise and dedication were invaluable in securing the perfect mortgage for me. From start to finish, she ensured a smooth and stress-free home-buying process, attentively addressing every concern and going above and beyond to provide personalised service. I couldn't be happier with the outcome. I wholeheartedly recommend her to anyone in need of a mortgage.”

- MARK B -


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