Finding the right mortgage shouldn't be complicated
- Extensive mortgage market access – Comprehensive range of mortgage products to source a mortgage that is right for you.
- Plain English service – No confusing jargon – just clear, honest advice in a language you understand.
- Local knowledge, nationwide reach – Based in Caversham, Reading, we understand the market where you live.
Local mortgage broker in Caversham, Reading, providing local and national mortgage advice that actually makes sense. We speak plain English, not jargon. We search the mortgage market through our extensive panel of lenders to find a mortgage that fits your needs. We’ll guide you from start to finish.
Whether you're buying your first home, your fifth, an investment property or just looking to remortgage, we're 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.
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Home Movers
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Remortgaging
Coming to the end of your fixed rate? We can help you save money by finding a better deal before your interest rate increases.
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Buy to Let Investors
Building a property portfolio or buying your first rental? We specialise in buy-to-let mortgages for landlords.
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Self-Employed
Self-employed or contractor? We work with lenders who understand your circumstances and can help you get approved for a mortgage
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Specialist Mortgages
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Getting a mortgage doesn't need to be stressful — we can make it easy
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.
We find the right mortgage for you
We search our extensive panel of lenders to find the mortgage most suitable for your circumstances. We will explain the mortgage and 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 Templar Mortgages?
We are a friendly, knowledgeable, local business based in Caversham, Reading, but serving clients nationally, with a simple mission: to make mortgages make sense.
Here’s what makes us different:
Plain English
We always speak your language, not mortgage jargon. If we need to use a technical term, we will explain it clearly. We make sure you understand what’s happening with probably your biggest financial commitment.
Local Expertise
Local expertise, personal service — based in Caversham and serving Reading, Berkshire, Oxfordshire and nationally, we understand the local property market inside out. We know the areas, the property prices, and which lenders work best for different scenarios.
Huge Mortgage Range
Unlike going to your bank or existing lender, we have an extensive 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.
Dedicated Advisers
From start to finish, you’ll have easy access to your adviser — from your first meeting to getting your keys. You’ll always know who to speak to and never feel like just another case.
FCA Regulated
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, with a comprehensive range of products and services, to help you through every stage of your property journey.
Residential Mortgages
First-time buyers, home movers, remortgages, and specialist lending.
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Buy to Let Mortgages
First-time landlords and experienced investors. Individual and business purchases.
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Commercial Mortgages
Finance for business premises and commercial properties.
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Mortgage Protection
Life insurance and critical illness cover to protect your home and family.
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Later Life Lending
Retirement interest-only mortgages, equity release and lifetime mortgages.
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Bridging Finance
Short-term finance to bridge funding gaps and cover IHT bills while selling properties.
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Conveyancing Services
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Estate Planning
Wills, Trusts, Asset Protection, IHT planning and Lasting Power of Attorney documents through Templar Estate Planning
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Proudly serving Reading, Caversham – Berkshire, Oxfordshire and nationwide
We are based in Caversham, Reading and focus on serving the local community. Whether you’re buying in the Victorian terraces of Caversham, the new developments near Reading Station, or a 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
- Shiplake
- Nationally
What our clients say
Sarah & Tom, First-Time Buyers
Caversham
James M, Home Mover
Reading
Rachel K, Buy-to-Let Investor
Tilehurst
News & Stories
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 — such as, for complex cases, 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 an independent broker, we search our extensive panel of lenders with thousands of products to find a mortgage suitable 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 the actual purchase process varies greatly depending on the property, chain, lender and other factors. We can often get you a mortgage agreement in principle or mortgage decision in principle within 24-48 hours of our meeting.
What do I need to bring to our first meeting?
The most important thing to bring is yourself! However, it helps if you can bring the following: proof of income (last 3 payslips, P60s and/or accounts); ID (passport, driving licence); a recent utility or council tax bill; 3 months’ bank statements; and proof of deposit. If you are unsure or need help, we will guide you through exactly what’s needed.
Can you help if I'm self-employed or a contractor?
Absolutely. Mortgages for the self-employed, business owners or contractors 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 mainstream and specialist lenders who consider your current circumstances, not just your past. Whether it’s missed payments, poor credit score, CCJs, IVA, bankruptcy or defaults, our lenders may be able to help. Give us as much information as possible to give you the best chance of getting a mortgage.
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, Reading office, if local, we can also meet you at home or at your workplace, or conduct consultations by phone or video call—whatever works best for you.
Complete Property and Protection Services
We can help you with every aspect of your property purchase and financial protection
Estate Planning Services
Through Templar Estate Planning, we offer professional Will Writing, Trust Formation, Asset Protection, IHT planning and Lasting Powers of Attorney services. Just like our mortgage advice, we explain everything in plain English and charge transparent, fair fees.
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Protection Services
We offer a full range of protection services including:
- Life Insurance
- Critical Illness Cover
- Income Protection Insurance
- Buildings & Contents Insurance
- Mortgage Payment Protection Insurance
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