About Us

Founder Terry Humphreys has more than 20 years’ experience in Financial Services and since 1998 has focused on delivering unbiased Independent Mortgage Advice. 

As Independent Mortgage Advisers we have access to the entire mortgage market and are not restricted to any particular lenders.  We provide a full Advice and Recommendation Service, working for you, our client, to find the right mortgage and protection package to suit your individual needs and circumstances.  

Being centrally based in rural North Oxfordshire our services are available throughout the whole of the UK.

Terms of Business

We offer an initial no-obligation consultation at our expense to see if we can help. Following this, we'll commence our research and will come back to you with our recommendations.

If you then wish to proceed, there are three transparent fee options to choose from and we are happy to discuss the most cost effective one for you.

Option 1:  Commission
We will receive commission from the lender.

Option 2: Fee Only
Typically 1.00% of the loan amount. This is payable on completion and we'll off-set any commission we receive from the lender.

Option 3: Combination of Commission and Fee
Our fee will be agreed with you before we undertake any chargeable work on your behalf.

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

Terry Humphreys Mortgage Services is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority.

To provide you with the best possible experience this website uses cookies. For more information please read our Privacy and Cookie Policy. Please note that by using this website you are agreeing to the use of cookies by Terry Humphreys Mortgage Services.

This website is intended for the use of UK residents only