We are The Mortgage Expert Group

Here at The Mortgage Expert Group, we offer a comprehensive range of products from across the market. As Independent Mortgage Advisers with a wealth of knowledge, we focus on mortgage, protection and loans, advising hundreds of clients every year. Our experienced team will help you every step of the way, regardless of your financial circumstances.
We service clients from all walks of life, whether you are a first-time buyer, looking to remortgage or buying a property to let. We also specialise in supporting clients with an adverse credit history. In our experience, these types of mortgages require expert knowledge and access to specific lenders, which is why we have created dedicated CCJ and IVA mortgage services.

Our specialist Buy-to-Let team are ready to secure you the perfect deal.

We have helped 100s of clients with CCJs get mortgages and we are here for you too.

Arranging a mortgage from abroad can be tricky, but not with us on board.

Regardless of where you are in your IVA journey, we are here to help.

Looking for the Experts? You have come to the right place!

With nearly 150 years of financial services experience, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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Customer Satisfaction, but we are always looking for improvements

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Lender Partnerships offering mortgage, insurance & loan policies

We are trusted by 70+ leading lenders from across the UK!

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Meet the team

Get to know the people behind The Mortgage Expert Group. We are a vibrant, experienced and approachable bunch.

Ryan Radford

Managing Director

Ryan has over 25 years of experience across the mortgage and debt industries. An industry influencer, he is on hand to offer great advice to all. His downtime is mainly spent with his wife and two boys.

Damon Palmer

Director

Damon has over 33 years experience across financial services. Among various other tasks, he manages our relationships with lenders, ensuring we always offer the best deals. His hobbies include football and photography.

Darryl Dhoffer

Mortgage Expert

Darryl has over 15 years experience in finance services. CeMAP-qualified, he is an expert in various products, specialising in Buy to Lets, Limited Companies and Self-employed Mortgages. He is a keen golfer with two children.

Michael Caldwell

Mortgage Expert

Michael has 8 years of experience in the financial industry and is the newest member of the team. CeMAP qualified, he loves dealing with challenging situations. He enjoys football and spending time with his young child and fiancé.

Debbie Woodhouse

Mortgage & Protection Expert

Debbie has worked in the financial industry for 20 years. CeMAP qualified, she specialises in mortgages, as well as personal and business protection. She enjoys spending time with her four children and new grandchild.

Kevin Bushby

Protection Consultant

Kevin has been in financial services since 1989. He is the protection “connection” in the office and loves helping clients with their requirements. In his spare time, after family and grandchildren, he is an avid follower of F1.

Lorraine Slade

Mortgage & Protection Specialist

Lorraine has been Mortgage Consultant for over 20 years, always ensuring that our client applications go as smoothly as possible. She is also our residential insurance specialist whose hobbies include travel and archaeology.

Carol Hare

Mortgage & Protection Administrator

Carol has worked for us for many years, the back bone of the company. She deals with the company accounts as well as lenders, solicitors and clients. She enjoy walking, socialising, and is a brilliant nana, mum and wife.

Sophie Smith

Mortgage & Protection Administrator

Sophie is our mortgage administration expert, supporting Darryl and Ryan by ensuring that our mortgage application are completed as required. She enjoys spending her spare time socialising with family and friends.

Client reviews

We are very proud of the service we provide, often changing our clients' lives in the process. But don't just take our word for it.
Aiden Jacobs

Sheffield

I cannot thank you enough, you managed what others said wasn't possible. I've probably not been the easiest client with different circumstances to work with. Finally managed to secure my dream home and it's all thanks to your team. Thank you!
Natasha Higgins

London

I can’t recommend this company enough if you are seeking a mortgage post IVA. Having been dismissed by other brokers, The Mortgage Expert helped us improve our credit ratings and then secure an amazing deal. First-class service.
Claire Jones

Plymouth

The Mortgage Expert helped my husband and I get on the property ladder after our IVA. We tried various other mortgage advisers and these were the only ones that helped and got us where we are today. Thanks so much to each and every one of the team.
Peter Reynolds

Glasgow

This was an amazing service. All of the staff I spoke with were friendly and helpful. If you've had a CCJ in the past and need a mortgage I can't recommend them enough - it's a really great service which I've recommended to other.
Sarah Joel

Newcastle

Very helpful staff who provided thorough and accurate advice. They recently helped my husband and I get our first mortgage and they could not have been any more helpful or patient with us. The service was great from start to finish.
Dimond Ashard

Bedford

My wife and I will be forever grateful to your whole team. Not only did they help us acquire our dream home, they have negotiated our new interest terms and saved us money on our future repayments. Five star advice from start to finish.

Let's start your mortgage enquiry...

Here we will capture all of the detail we require to start finding you the perfect mortgage product.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We charge a fee of £750 for the straight forward mortgage application and up to £1,495 for the more complex ones. Prior to application we will let you know when this becomes payable. Please note we do not charge any fees upfront. CCJ Mortgage Expert, IVA Mortgage Expert, Expat Mortgage Expert and The Mortgage Expert are trading styles of The Mortgage Expert Group Ltd. Registered in England 11642575. Registered office 1 Union Street, Luton, LU1 3AN. The Mortgage Expert is an Appointed Representative of Zebra Mortgages Limited which is authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the Financial Services Register under reference 618018. Registered in England 70520888. Registered office 1 Union Street, Luton, LU1 3AN. It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please contact us by writing to our Customer Services Department, Zebra Mortgages Limited, 1 Union Street, Luton, LU1 3AN or by phone: 01582 450000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.