Remortgaging
Review your options before your current deal ends, whether your circumstances have stayed the same or changed.
View remortgage adviceMortgage advice in Harrogate and across the UK
Feel clear and confident about your next mortgage.
Personal mortgage advice from Joanne Gray, with one approachable adviser by your side from the first conversation through to completion.
- No-obligation consultation
- A response within one working day
- Phone, video and local appointments
Meet Joanne
Mortgage advice shaped around you, explained clearly and managed personally.
A more personal way to find your mortgage
Mortgages can feel complicated. Joanne takes the time to understand your circumstances, explain your options clearly and take ownership of your case from start to finish.
Mortgage services
Advice shaped around where you are now.
Your circumstances are personal. The starting point is always to understand what matters to you, then find an appropriate route forward.
First-time buyers
Understand your budget, deposit and next steps before you start making offers on your first home.
View first-time buyer adviceMoving home
Plan your mortgage around the practical timings of selling, buying and moving with clear guidance throughout.
View moving-home adviceBuy-to-let
Straightforward support for new and existing landlords, shaped around your property and wider circumstances.
View buy-to-let adviceSelf-employed mortgages
Explore how different lenders may assess your income, trading history and the way your business is structured.
View self-employed advice
“I want my clients to feel informed and confident, with someone approachable to turn to throughout the process.”
Joanne Gray, Mortgage & Protection Adviser
Meet Joanne
One adviser who gets to know you and stays with you.
Joanne’s career in financial services began in 2000, spanning mortgage advice, independent financial advice, paraplanning and compliance before she later moved into project management.
Returning to mortgage advice was a deliberate decision: to combine that financial services background with a practical, organised and genuinely personal approach. Harrogate is both Joanne’s home and the base for her business.
- CeMAP qualified
- CII Equity Release qualification
- CII Financial Planning Certificate
- CII Life & Pensions Foundation Certificate
Client experiences
What Joanne’s clients say.
Personal support, clear communication and careful case management from the first conversation through to completion.
“Joanne handled absolutely everything, liaising with the solicitors and lenders to keep things moving quickly.
These processes can be very stressful - this one wasn’t. This is because of Joanne.
We’d recommend her to anyone.”
“We had a dream that felt like a million miles away. Until we found Joanne. She made that dream a reality.
Her communication was above and beyond and it came with humour too.
If you’re looking to get a mortgage soon, I highly recommend a chat with her.”
“Joanne was very helpful from start to finish, even staying in contact while she was on annual leave and touching base when we suffered delays in our purchase.
Would definitely recommend her and will be contacting her again next time.”
How it works
A clear route from first chat to completion.
You will know what is happening, what is needed and what comes next, with Joanne available to answer questions along the way.
- 01
An initial conversation
We will talk about what you want to achieve, your circumstances and how Joanne may be able to help. There is no obligation to proceed.
- 02
Understand your options
Joanne will gather the right information, research suitable lenders and explain what is realistic in clear, practical terms.
- 03
Apply with confidence
Once you are comfortable, Joanne will prepare your application, manage lender queries and keep you informed as it progresses.
- 04
Support through completion
Joanne will remain available through to completion and keep in touch ahead of your mortgage deal ending so you can review it together again.
Local roots, flexible appointments
Based in Harrogate, helping clients near and far.
Joanne provides mortgage advice by phone or video across the UK. For clients who prefer to meet face to face, appointments can be arranged within approximately 15 miles of Harrogate where practical.
Good questions are welcome
A few things clients often ask.
Mortgage advice starts with understanding. These general answers are a useful first step, not a personal recommendation.
Should I speak to a mortgage adviser before finding a property?
Yes. Starting early can help you understand your likely budget and mortgage options, as well as identify anything that may need attention before you make an offer.
I am self-employed. How many years of accounts will I need?
This varies between lenders. A shorter trading history does not necessarily mean there are no options, so it is worth looking at how different lenders may assess your income.
Does the lowest advertised rate mean the best mortgage?
Not always. The right mortgage needs to fit your circumstances and lender criteria. The rate is important but fees, features and overall suitability also need to be considered.
Can I arrange an appointment outside normal working hours?
Joanne offers flexible appointments from Monday to Saturday, including selected evening times. Meetings can take place by phone, video or in person where practical.
Start with a conversation
Tell Joanne what you are hoping to do.
Your initial consultation is without obligation. Joanne aims to respond within one working day.