
When and How You Should Remortgage in 2025 (Maximising Your Savings)
IntroductionRemortgaging isn’t just for interest rate deals — it’s a chance to save, invest, or harmonise your finances. As your adviser, I’ll show you when
I’m Tom Bradley, your local mortgage and protection broker. I work one-to-one with every client to make buying or refinancing a home straightforward, stress-free, and tailored to your needs. With access to over 140 lenders, we’ll find the right mortgage together.
I’ll compare hundreds of deals across the market to secure the best rate for your circumstances — not just the lowest payment today, but a mortgage that fits your future plans too.
Every client works directly with me — no call centres, no confusion. You’ll get honest, independent advice and support from the first chat to the final approval.
We keep things clear and efficient, so you can move forward with confidence. I’ll handle the details and keep you informed at every stage of the process.
Helping You Find the Right Mortgage — No Matter Your Situation
First-Time Buyers
Buying your first home should feel exciting, not confusing. I’ll explain your options clearly, find the best rates available, and guide you from start to finish so you can move in with total confidence.
Self-Employed Mortgages
Getting a mortgage when you’re self-employed doesn’t have to be hard. I’ll help present your income clearly, work with lenders who understand your business, and secure a deal that truly fits you.
Remortgage
If your current deal is ending or your rate’s too high, I’ll compare hundreds of remortgage options, handle the switch for you, and make sure you keep more money in your pocket each month.
Buy to Let
Whether it’s your first investment or another addition to your portfolio, I’ll help you secure a buy-to-let mortgage that balances great rates with long-term financial flexibility and steady growth.
Barristers & Professionals
I specialise in tailored mortgages for barristers, doctors, accountants, and professionals. Together, we’ll find specialist lenders who understand your income, ambitions, and unique financial journey.
Protection
A mortgage is a big commitment — so let’s protect it. I’ll help you arrange life, income, and mortgage protection that keeps your home and loved ones financially secure, whatever happens.
Let’s make it happen together. I’ll take care of the paperwork, lender comparisons, and protection setup — you focus on finding the home you love.
At Thomas Bradley Mortgage & Protection, I work with a network of more than 140 lenders — giving my clients access to far better deals than the high street. Using advanced rate-monitoring tools, I can quickly compare products and spot opportunities to lock in competitive rates that suit your situation and goals.
That’s why I make it simple. I’ll handle all the comparisons, explain each step in plain English, and keep you updated throughout the process — so you get the right rate without the stress.
Access to exclusive rates and deals across 140+ lenders — including products often unavailable to the public.
I’m not tied to any lender. My guidance is fully independent, meaning every recommendation is based solely on what’s best for you.
Exclusive Deals and Ongoing Support You Won’t Find at Your Bank
Get amazing mortgage offers unavailable on the high street. Some clients have received £1,000 cashback from lenders within our network — helping you save more from the very start of your journey.
You don’t pay me until you purchase a property. I’m always happy to answer questions, explain your options, and offer expert guidance — no pressure, no fees, just honest advice that works for you.
Every situation is different. I’ll build a mortgage plan based on your income, goals, and property type — ensuring the rate, term, and protection fit perfectly for your home and future plans.
My work doesn’t end at completion. I’ll track your mortgage, alert you before renewal, and make sure you stay on the best rate possible — keeping your savings and peace of mind protected.
At Thomas Bradley Mortgage & Protection, I’ve partnered with trusted conveyancing solicitors and property surveyors to make your buying process faster and easier. You can compare prices, view online quotes, and even instruct your chosen solicitor directly — all in one place.
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Real Experiences From People Who Found Their Perfect Mortgage
Posted on Dino Sacic2025-10-01Trustindex verifies that the original source of the review is Google. Tom was recommended to me by a friend, we had a phone conversation. I explained my circumstance and financial position etc. Tom sent over all the relevant information, what he needed from me and my wife. He is very informative, answered any questions we had, always responds to calls/messages within minutes. From start of the application the mortgage was agreed within a few weeks, he recommended what solicitors to use, im sure there are others and cheaper but I wanted to keep everything in house. The whole transaction was seamless and effortless. Very highly recommended Mortgage Broker and will definitely be speaking to him again should I remortgage or buy a separate property. Thank you for all your help TomPosted on Alice Palmer2025-08-18Trustindex verifies that the original source of the review is Google. Absolutely brilliant mortgage advisor, was very quick and helpful with the million questions we had as first time scared buyers! Tom couldn't of helped more if he tried. Thankyou :)Posted on Amanda Bateman2025-08-15Trustindex verifies that the original source of the review is Google. Tom handled my recent remortgage and provided an absolutely fantastic service! Tom is very informative, efficient, friendly and professional. He found me an excellent deal and handled all the paperwork, making the process very easy! Tom kept me up to date on the stages of the remortgage and he was available for any questions. He was able to refer me to a solicitor for the legal process and the whole remortgage was seamless. Tom also helped me to obtain life insurance, again being very informative and completing the paperwork alongside me. Tom has an excellent wealth of knowledge and really helps you to find an option that suitable and affordable. I would highly recommend Tom and wouldn't hesitate to use his services in the future.Posted on Zak Clarke-Quinn2025-08-08Trustindex verifies that the original source of the review is Google. I could not recommend Tom enough, I contacted him a week before I need our mortgage application doing, even when he was on holiday he was prompt at responding and got everything we needed ready for our application to be sent. When our offer was accepted he submitted the mortgage straight away and jumped on a call to explain the next steps, fast forward today everything has been accepted. Me and partner could not have done this process with without Tom and his high level expertise, he’s made us feel confident, comfortable and prepared the entire process. If you are going to use anyone, Tom is your man. Thank you again.Posted on jack C2025-07-17Trustindex verifies that the original source of the review is Google. Mortgages made simple, easy to understand and Tom does all the hard work!Posted on dave wilde2025-07-11Trustindex verifies that the original source of the review is Google. Tom was brilliant right from the start of the mortgage process, it was our first time using him and he went above and beyond to get us the best deal. Very knowledgeable and professional we will definitely be using him again. I would definitely recommend him for your mortgage needs.Posted on Reece Priestley2025-06-27Trustindex verifies that the original source of the review is Google. Tom's been great, really helpful, recommended by a freind and im very happy with his services.Posted on B Bob2025-06-17Trustindex verifies that the original source of the review is Google. Great broker, knowledgeable, patient, and always responsive and supportive!Posted on Adam Sneddon2025-05-28Trustindex verifies that the original source of the review is Google. Tom was brilliant from start to finish. Was very transparent with the fees and what was required from us. The whole process was streamlined and efficient as Tom took care of it all. Would highly recommend.Posted on Eleanor Tait2025-05-09Trustindex verifies that the original source of the review is Google. Tom has been so incredibly helpful to me throughout this process - proactive, pragmatic, very informed about his business and explains it well. He was recommended to me and I’ve recommended him since to another first time buyer.
IntroductionRemortgaging isn’t just for interest rate deals — it’s a chance to save, invest, or harmonise your finances. As your adviser, I’ll show you when
IntroductionBeing self-employed is rewarding — but when applying for a mortgage, it often brings extra scrutiny. I’m Tom Bradley, and I specialise in helping self-employed
IntroductionBuying your first home is a milestone many dream about — but it can also feel overwhelming. I’m Tom Bradley, and I’ve helped dozens of
Whether you’re buying your first home, remortgaging, or just exploring your options, I’m here to help. Ask anything — from rates and terms to protection or legal guidance — and I’ll reply personally with clear, honest advice.
Have a question about your mortgage, protection, or remortgage options? I’m always happy to help. Whether you need advice, a quote, or just want to explore what’s possible, get in touch — I’ll personally guide you through every step.