Helping Your Clients Secure the Right Mortgage 

The property market is built on strong relationships, clear communication and trusted professional advice. While estate agents play a vital role in helping buyers find their ideal home, securing suitable mortgage finance is often one of the most significant steps in the purchasing journey.

By working with Thomas Oliver, estate agents can offer clients access to Financial Conduct Authority (FCA)-regulated mortgage advice that is tailored to their individual circumstances. This enables buyers to make informed decisions while allowing estate agents to concentrate on progressing sales and delivering an excellent customer experience.

Katherine Mumford, Mortgage Broker Adviser in Hackney, East London said 

"Buying a property is one of the biggest financial commitments most people will ever make, so it's important they have access to mortgage advice that's focused on their individual circumstances. We enjoy working alongside estate agents to provide mortgage guidance that complements the service they already offer, helping clients feel informed and supported throughout their purchase."

Mortgage Advice That Puts Your Clients First

No two buyers are the same. First-time buyers, home movers, landlords and those remortgaging all have different financial circumstances, objectives and lending requirements.

At Thomas Oliver, we take time to understand each client's individual situation before recommending a suitable mortgage. As advisers with access to a wide range of mortgage lenders and mortgage products, we can consider options from across the market available to us, helping clients find a mortgage that closely matches their needs and financial circumstances.

Our advice is always tailored to the individual and provided in accordance with FCA regulations.

Supporting Consumer Choice

Guidance from The Property Ombudsman (TPO) reinforces an important principle that benefits both consumers and professional estate agents.

The guidance makes clear that buyers are free to choose their own mortgage broker, solicitor and insurance provider. Estate agents must not make acceptance of an offer dependent upon a buyer using in-house financial services or other associated providers. Buyers should also not be treated less favourably because they choose advice independent of their services.

This reinforces an open, transparent approach to property transactions where buyers can make informed decisions based on what is right for them.

For estate agents, working with a mortgage adviser such as Thomas Oliver provides another option for clients while fully respecting their freedom of choice.

Helping Estate Agents Deliver an Even Better Service

Purchasing a property involves multiple professionals working together towards the same objective.

By referring clients who would benefit from dedicated mortgage advice, estate agents can extend the service they offer without needing buyers to rely solely on an in-house adviser.

Thomas Oliver can assist clients by:

• Providing personalised FCA-regulated mortgage advice.
• Assessing affordability and lending options based on individual circumstances.
• Offering access to a wide range of mortgage lenders and products.
• Supporting first-time buyers, home movers, remortgage clients and buy-to-let purchasers where appropriate.
• Liaising with clients throughout the mortgage application process.
• Working collaboratively with estate agents and solicitors to help transactions progress as smoothly as possible.

While no mortgage or property purchase can ever be guaranteed, obtaining professional mortgage advice early in the buying process can often help identify potential issues sooner and keep buyers better informed about the steps ahead.

A Personal Approach to Mortgage Advice

Every lender has different lending criteria and every client has different priorities.

Rather than applying a one-size-fits-all approach, Thomas Oliver carefully considers factors including income, employment, deposit, credit history, future plans and the type of property being purchased before making a recommendation.

This tailored approach helps ensure the mortgage advice provided reflects each client's individual financial position and objectives.

Building Stronger Relationships 

Consumers increasingly value transparency, choice and trusted professional guidance.

Supporting a buyer's freedom to choose their own mortgage adviser demonstrates that an estate agent is committed to acting fairly and in the client's best interests. It also reflects the principles highlighted by The Property Ombudsman, helping to build confidence throughout the buying process.

By working alongside Thomas Oliver, estate agents can offer clients access to experienced mortgage advisers while continuing to provide the excellent customer service for which their own business is known.

Katherine Mumford, Mortgage Broker Adviser in Hackney, East London continued

"Our role isn't simply to recommend a mortgage. It's about listening carefully, explaining the options in plain English and working closely with everyone involved in the purchase. When estate agents and mortgage advisers work collaboratively while always putting the client first, it creates a better experience for everyone involved."

Why work with Thomas Oliver?

Estate agents choose to work with Thomas Oliver because we share the same goal: helping clients move home with confidence.

We offer:

• Friendly, approachable and personalised mortgage advice.
• FCA-regulated recommendations tailored to each client's circumstances.
• Access to a wide range of mortgage lenders and mortgage products.
• Clear communication throughout the mortgage process.
• Collaborative working relationships with estate agents and other property professionals.
• A client-focused approach built on professionalism, transparency and trust.

Whether your client is purchasing their first home, moving up the property ladder or investing in residential property, Thomas Oliver is here to provide mortgage advice that supports their individual needs.

Speak to Thomas Oliver

If you're looking to enhance the service you provide by introducing clients to an experienced mortgage adviser, we'd be delighted to work alongside your estate agents.

Together, we can help buyers navigate the mortgage process with confidence while fully respecting their freedom to choose the mortgage adviser that is right for them.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Most buy to let mortgages are not regulated by The Financial Conduct Authority.

Thomas Oliver UK LLP is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 8/9/2026.