Finding the Right Mortgage Shouldn't Be Complicated

Local mortgage advice in Reading & Caversham that actually makes sense. We speak plain English, search the whole market, and help you from start to finish—no jargon, no nonsense.

Whether You're Buying Your First Home or Your Fifth, We are Here to Help

First Time Buyers

Taking your first step onto the property ladder? We will guide you through every stage, from understanding deposits to getting your keys.

Learn More

Home Movers

Ready to move up or relocate? We can find you a great deal and make the move as smooth as possible.

Learn More

Remortgaging

Coming to the end of your fixed rate? We will help you save money by finding a better deal before your rate increases.

Learn More

Buy to Let Investors

Building a property portfolio or buying your first rental? We specialise in buy-to-let mortgages for landlords.

Learn More

Self-Employed

Self-employed or contractor? We work with lenders who understand your income and can help you get approved.

Learn More

Adverse Credit

Past credit issues? We work with specialist lenders who look at your situation now, not just your history.

Learn More

Getting a Mortgage Doesn't Have to Be Stressful

Our straightforward three-step process takes the complexity out of mortgages

Free Consultation

We start with a conversation about your situation, your goals, and what you need. No jargon, no obligations, just honest advice. We can meet in person in Caversham, over the phone, or by video call.

Find Your Best Deal

We search our panel of lenders to find the mortgage that fits your circumstances and gives you the best value. We will explain your options in plain English.

Application to Completion

We handle all the paperwork, chase the lenders, and keep you updated every step of the way. You’ll have a dedicated adviser from start to finish, making the process as smooth as possible.

Why Choose Mortgages Inc?

We are not your typical mortgage broker. We are a local, family-run business based in Caversham with a simple mission: to make mortgages make sense. Here’s what makes us different:

Plain English

Always We speak your language, not mortgage jargon. If we use a technical term, we will explain it. We make sure you understand what’s happening with your biggest financial commitment.

Local Expertise

Personal Service Based in Caversham and serving Reading, Berkshire and Oxfordshire as well as Nationally, we understand the local property market inside out. We know the areas, the property prices, and which lenders work best for Reading buyers.

Huge Range

Huge Range of Mortgage Lenders Unlike going to your bank, we have a large panel of lenders and thousands of mortgage products. This means you get access to deals you won’t find on the high street, and we find the right mortgage for your specific situation.

Transparent Fees

No hidden charges, no surprises. We tell you upfront exactly what our service costs. Most of our clients pay nothing – we are paid by the lender instead.

One Adviser

Start to Finish You won’t be passed around between different people. Your dedicated adviser handles everything from your first call to getting your keys, so you always know who to speak to.

FCA Regulated & Qualified

We are fully authorised and regulated by the Financial Conduct Authority, with qualified advisers who stay up to date with the latest market changes and regulations.

More Than Just Mortgages

We offer a complete service to help you through every stage of your property journey

Residential Mortgages

First-time buyers, home movers, remortgages, and specialist lending

Explore Options →

Buy to Let Mortgages

First-time landlords and experienced investors

Explore Options →

Commercial Mortgages

Finance for business premises and commercial properties

Explore Options →

Mortgage Protection

Life insurance and critical illness cover to protect your home and family

Explore Options →

Later Life Lending

Retirement interest-only mortgages and equity release

Explore Options →

Bridging Finance

Short-term finance to bridge funding gaps and to cover IHT bills whilst selling properties

Explore Options →

Conveyancing Services

Great value solicitor services to handle your property transaction

Explore Options →

Estate Planning

Wills and Lasting Powers of Attorney through our Estate Planning department

Explore Options →

Proudly Serving Reading, Caversham – Berkshire & Oxfordshire

We are based in Caversham and focus on serving the local community. Whether you’re buying in the Victorian terraces of Caversham, the new developments near Reading Station, or the family homes in Tilehurst, we understand the Reading property market.

As a local business, we are part of this community. We know the schools, the commute times, and the property hotspots. This local knowledge helps us give you better advice and find lenders who are comfortable with Reading property values.

Local Areas We Serve

Reading
Caversham
Tilehurst
Woodley
Earley
Lower Earley
Winnersh
Twyford
Sonning
Henley-on-Thames
Pangbourne
Goring
And Nationally!

What Our Clients Say

“After struggling to understand all the options, Templar Mortgages explained everything in plain English. They found us a better rate than we thought possible and handled everything professionally. Highly recommend!”

“As a self-employed contractor, I’d been turned down by two banks. Templar Mortgages knew exactly which lenders to approach and got us approved within two weeks. Their local knowledge was invaluable.”

“We’ve used Templar Mortgages for three property purchases now. They’re honest, efficient, and always available when we need them. It’s like having a mortgage expert in the family.”

Your Questions Answered

Do you charge fees for your service?

Most of our clients pay no broker fees we are paid by the lender instead. Where fees do apply (for complex cases, such as Equity Release or commercial mortgages), we will tell you upfront before we do any work. There are never any hidden charges.

How is a mortgage broker different from going to my bank?

Banks typically only offer their own mortgage products. As a whole-of-market broker, we search a large panel of lenders with thousands of products to find the best deal for your specific circumstances. We also handle all the paperwork and liaise with lenders on your behalf.

How long does the mortgage process take?

From application to completion typically takes 8-12 weeks, though this varies depending on the property chain and lender. We can often get you a mortgage agreement in principle within 24-48 hours.

What do I need to bring to our first meeting?

Just bring yourself! We will discuss your situation first, then let you know what documents we will need. Typically, this includes proof of income (payslips or accounts), ID, and bank statements, but we will guide you through exactly what’s needed.

Can you help if I'm self-employed or a contractor?

Absolutely. Self-employed mortgages are one of our specialisms. We work with lenders who understand contractor and self-employed income. We know how to present your application in the best possible light and what evidence lenders need.

I have a poor credit history. Can you still help?

Yes. We work with specialist lenders who consider your current circumstances, not just your past. Whether it’s missed payments, CCJs, or defaults, our lenders may be able to help.

Are you regulated?

Yes, we are fully authorised and regulated by the Financial Conduct Authority (FCA). You can check our registration on the FCA register. All our advisers are qualified and maintain ongoing professional development.

Do I have to come to your office?

Not at all. While we are happy to meet you at our Caversham office, we can also meet you at home, at your workplace, or conduct consultations by phone or video call—whatever works best for you.

Complete Property & Protection Services

We can help you with every aspect of your property purchase and financial protection

Estate Planning Services

We offer professional will writing and Lasting Powers of Attorney services. Just like our mortgage advice, we explain everything in plain English and charge transparent, fair fees.

Learn More About Estate Planning →

Finding the Right Mortgage Shouldn't Be Complicated

Whether You're Buying Your First Home or Your Fifth, We are Here to Help

First Time Buyers

Home Movers

Remortgaging

Buy to Let Investors

Self-Employed

Adverse Credit

Getting a Mortgage Doesn't Have to Be Stressful

Free Consultation

Find Your Best Deal

Application to Completion

Why Choose Mortgages Inc?

Plain English

Local Expertise

Huge Range

Transparent Fees

One Adviser

FCA Regulated & Qualified

More Than Just Mortgages

Residential Mortgages

Buy to Let Mortgages

Commercial Mortgages

Mortgage Protection

Later Life Lending

Bridging Finance

Conveyancing Services

Estate Planning

Proudly Serving Reading, Caversham – Berkshire & Oxfordshire

Local Areas We Serve

What Our Clients Say

Your Questions Answered

Complete Property & Protection Services

Estate Planning Services

Ready to Get Started?

Call Us

Email Us

Office Hours

Templar Mortgages and Protection

Products & Services

Contact Info