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We Are Mortgages

Colchester, Essex

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‘21 Certificate of Excellence, 2021

About

We’re a modern-day mortgage brokerage who use technology and expert advice to help people make the best decisions about their future. We’re always testing and using new techniques to make doing business with us easier and by making our customer feel comfortable in the decisions they make.

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Reviews (159)

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5/5

159 customer reviews

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6 December 2019

Excellent service provided by We Are Mortgages. Jack and Zoe made the whole process smooth and guided me every step of the way. Would highly recommend.Matt

Reviewed on TrustPilot

28 November 2019

The Bees Knees everything went smooth as the smoothest thing you can think of .I would say that as Jack is my son and it’s all true Thanks everyone Christopher Adams

Reviewed on TrustPilot

20 November 2019

Super fast, super efficient! Mortgage offer was out quick and they did exactly what they said they'd do.. Thanks WAM team :)

Reviewed on TrustPilot

17 November 2019

Excellent professional & friendly service. Got the contact through one of the estate agent in Colchester. Frankie Bowers dealt with our mortgages and provided the best products. I appreciate the excellent professional and personal service.Highly recommend and will be using your services every time in the future. Thank you! More...

Reviewed on TrustPilot

7 November 2019

Very friendly and patient. They sorted our business out with no fuss.

Reviewed on TrustPilot

7 November 2019

Jack and the team did a great job of getting our first mortgage application approved despite an initial setback with our first application. Would also like to give a special shoutout to Zoe whose done an excellent job of keeping us updated throughout the whole process. More...

Reviewed on TrustPilot

4 November 2019

Extremely professional and personal service, nothing was to much trouble and Sian especially went above and beyond to help us understand something we had no idea about. Highly recommend and will be using your services every time in the future. Thankyou! More...

Reviewed on TrustPilot

4 November 2019

Amazing company with amazing staff who go out of their way to help and advise!

Reviewed on TrustPilot

31 October 2019

Helpful , friendly , professional and quick to respond to questions. Thank you so much

Reviewed on TrustPilot

31 October 2019

Communication was really good between client and broker. It took some time to get my mortgage sorted but this seemed to be down to the lender. Everyone who dealt with me was really nice and i would recommend we are mortgages to somebody else. More...

Reviewed on TrustPilot

30 October 2019

The service was very satisfory.The agents are knowledgeable and very helpful. I will highly recommend them and will definitely be using them in the future.

Reviewed on TrustPilot

30 October 2019

Absolutely brilliant service from Frankie and the team! Every question we had was answered sufficiently and immediately. Made our experience of buying our first home a lot easier with a lot of the bulk of work taken off our shoulders and just eased us through the process of buying a house! Couldn't thank the team more for the work they have done! More...

Reviewed on TrustPilot

30 October 2019

I would highly recommend we are mortgages. Jack dealt with my case and I can honestly say it was a pleasure. His experience, knowledge and hardworking attitude is everything you need in a mortgage advisor especially as I needed to get an offer quickly. A massive thank you to Zoe and Lauren for continuously keeping me updated and making the whole process run smoothly. I haven’t ever written a review online before but I felt it was necessary as everyone should know this company is second to none. More...

Reviewed on TrustPilot

30 October 2019

Great service from Sian and her team. Always communicated well. Mortgage sorted with out any hassle would definitely recommend these guys. There such a good team.

Reviewed on TrustPilot

29 October 2019

Excellent service throughout. Regular updates that went above and beyond I expected.

Reviewed on TrustPilot

29 October 2019

This is an excellent company. Frankie, Zoe and their colleagues are friendly, knowledgeable and meticulous. They are open about their process, have good relations with the providers and know how to find you the best deal. Highly recommended.

Reviewed on TrustPilot

22 October 2019

Very helpful and got us a great us a great deal :) thank you!

Reviewed on TrustPilot

22 October 2019

Jack and his team did a great job in getting our mortgage application in and approved, and then getting a new agreement when it became clear we weren't likely to complete in time for the current agreement. Honestly, I never really saw the point of a mortgage broker. I like to know the products myself, but it was great to have support in this, and for someone else to do all the paperwork. We also had slightly unusual circumstances and Jack was able to instantly advise on which lenders would be most suitable for this. I have no hesitation in recommending We Are Mortgages. More...

Reviewed on TrustPilot

22 October 2019

We Are Mortgages helped us so much with our first mortgage application, Frankie and Zoe worked tirelessly on our application and were patient and answered all of our questions. We were made to feel valued and at ease at every stage. We wouldn’t have been able to do it without them, so a massive thank you and we would recommend them to anyone More...

Reviewed on TrustPilot

22 October 2019

Very helpful and full of advice and expertise.They also helped to lead us into the right direction with different covers.

Reviewed on TrustPilot

21 October 2019

Well where shall I start? In the mortgage/broker business, I can only describe wearemortgages as an all-rounder and excellent in what you do. Frankie, you and your team have been exceedingly supportive in guiding me through the maze of remortgaging and purchasing, a feat I never thought was achievable. Your determination and perseverance to assist in making the process successful albeit effortless and pain-free is phenomenal and I am immensely grateful for that. Frankie, I have to say that your passion for your work is unrivalled and your work ethic, worthy of emulation. Thank you so very much for helping me, I am eternally grateful. More...

Reviewed on TrustPilot

17 October 2019

We were very impressed with the service and advice we received regarding porting and remortgaging. We expected our case to be complicated and drawn out but it was made simple and straightforward for us by the professional team at We Are Mortgages. In particular we would like to thank Sian for her hard work and willingness to discuss things with us at length and at times of day when most businesses are closed. More...

Reviewed on TrustPilot

15 October 2019

Very helpful Mortgage Brokers, who are always willing to work around the clock to give you the best Mortgage offers and information.Would highly recommend.

Reviewed on TrustPilot

11 October 2019

Very helpfully and very professional I would definitely recommend

Reviewed on TrustPilot

10 October 2019

Quick and professional. Was always able to contact the broker and have sound advice

Reviewed on TrustPilot

8 October 2019

Siân was excellent, very helpful and informative. Answered all questions and nothing ever seemed like a hassle. Always answered her phone or called back which was great with any other questions. Was our first mortgage so unsure on many things but she explained it all perfectly. More...

Reviewed on TrustPilot

7 October 2019

Great service friendly informative and very helpful advisors. With the myriad of offers very instructive and put my mind at rest. Sian my advisor is a breath of fresh air with her manner and knowledge of the products she has at her disposal. A credit to her company and now a trusted advisor. Thank you More...

Reviewed on TrustPilot

5 October 2019

Great service!! Frankie helped us out lots and was always on the other end of the phone anytime we needed him (even if it was 150 times in one day! ) all the staff are so friendly and helpful. Would defiantly recommend More...

Reviewed on TrustPilot

20 September 2019

Absolutely brilliant firm to deal with. Always on top of every detail and go above and beyond with customer care, couldnt ask for more. Would highly recommend.

Reviewed on TrustPilot

19 September 2019

Great friendly service. Brilliant at finding us a good mortgage and insurances. Thank you so much

Reviewed on TrustPilot

19 September 2019

Really pleased with the outcome Frankie worked very hard to get everything sorted for us and he Zoe have both been patient throughout. Would recommend.

Reviewed on TrustPilot

19 September 2019

Clear helpful advice and excellent service

Reviewed on TrustPilot

18 September 2019

I have been throughly impressed with the efforts and professional attitude that we are mortages adopt. Zoe allen has been in constant communication and kept me updated throughout the whole process. Zoe made what is relatively a complicated mortages application (joint borrower, sole proprietor mortage) very simple. I would reccomend anyone to use their services and they are the best I've used out of many! More...

Reviewed on TrustPilot

17 September 2019

Nothing but positive feedback for the Laddies in this office who helped with our Mortgage, but more than anybody else, Sian Mills. Sian was amazing from day 1 right through to completion!Professional, helpful and always available to answer questions.The process was simple, hardly had to do anything. Always keeping you updated when needed. Couldn't ask for more! This made being first time buyers much easier!Sian even worked outside of normal working hours to get our 'In Principle' completed so we didn't have to wait as long for the mortgage offer. :)Sian and her team are several steps above everybody else in the market.Thank you all so muchJ&C More...

Reviewed on TrustPilot

1 September 2019

Everyone was very helpful in getting my mortgage sorted, and I would use them again. They kept me up to date with enquires, and make extra efforts to get things sorted.

Reviewed on TrustPilot

1 September 2019

The advisors were amazing, they knew how to handle the situations, knew how to explain everything very well and were very patient. They provided professional and friendly service too. Would highly recommend More...

Reviewed on TrustPilot

29 August 2019

Me and my partner have just bought our first home together. We could not thank We Are Mortgages enough for all their hard work and attention to detail in this process for us both! Back from the start putting our offer in on the property to now not long afterwards completing! For anybody looking for excellent mortgage advisors these guys are literally 10 out of 10 they are the best and they sure know their stuff! X More...

Reviewed on TrustPilot

28 August 2019

Warm welcoming and professional service. I had the fortune of having Sian and Zoe supporting me through the remortgaging service. Nothing was too much trouble, excellent communication from both of them. Why would I ever go anywhere else!! More...

Reviewed on TrustPilot

24 August 2019

We Can’t recommend We Are Mortages highly enough. We are a young couple and had little to none knowledge on the daunting buying process. From the 1st encounter with Frankie we were put at easy and the process was explained in simple terms with full transparency. All aspects were covered by the team weather that be helping with the offer, suggesting solicitors, or setting up life insurance. Never one to come with a problem without a solution in a potentially stressful time was a great help.The Team is a young professional group full of energy who work well beyond usual working hours so that the process is moved along as quick as possible. People say buying a property is the one of most stressful things you do in your life, with the help of We Are Mortages it was a breeze. A million thanks, E & A More...

Reviewed on TrustPilot

21 August 2019

Wonderful service from Jack and the team. We were kept up to date throughout the entire process and they utilised modern technologies to make things quicker and simpler. The explanations and advice given at each stage was simple to understand to make informed decisions. We actually now look forward to re-mortgaging with Jack and the team based on how simple they made the process this time around and would highly recommend them. More...

Reviewed on TrustPilot

20 August 2019

Excellent - very helpful at all stages and very personable. Guided through the processes and explanations in layman’s terms where applicable.

Reviewed on TrustPilot

15 August 2019

Frankie has been amazing through the whole process, he has kept in contact with us on a regular basis and been a pleasure to work with, i would 100% recommend We Are Mortgages.

Reviewed on TrustPilot

15 August 2019

Dealt with Frankie BowersVery helpful and always answered when we needed help and guidanceThank you very muchJack &April

Reviewed on TrustPilot

14 August 2019

Good points: Successfully found me a mortgage at the age of 80 plus at the second attempt. Encouragement given at every stage. Not so good point: Need to check paperwork - tendency to copy previous documents without amendment. More...

Reviewed on TrustPilot

12 August 2019

I cant praise Sian enough for the help and guidance with helping me during the buying process, 100% professional and a total asset to the company, I would have no hesitation in recommending We are Mortgages to family and friends

Reviewed on TrustPilot

2 August 2019

I would highly recommended using 'We' are Mortgages' as their service was excellent from start to finish, and were able to provide great expertise on the mortgage market and options available to myself. I was particularly happy with the quality of service and communication throughout, and they were always available to answer questions and provide advice. A special mention to Sian Mills who really went above and beyond to assist throughout the whole process and is a credit to the company. More...

Reviewed on TrustPilot

1 August 2019

Really friendly and informative. Jack helped to explain everything and took my preferences into consideration when arranging the mortgage which gave me confidence he had found the right product for me. The follow up was just as smooth and Lauren was great to deal with. Would 100% recommend. More...

Reviewed on TrustPilot

1 August 2019

Once again, a great service from We Are Mortgages. A very easy to deal with company who are always friendly and efficient! Thanks again!

Reviewed on TrustPilot

30 July 2019

Frankie and the team were very kind, transparent and professional and helped us secure the amount we needed to buy the property we had set our hearts on. Made the process seem easy and stress-free, will be using again when our mortgage deal ends. Would defiantly recommend! More...

Reviewed on TrustPilot

25 July 2019

I don't have enough words to praise Frankie and Lauren for their exceptional customer service skills. I was a very nervous first time buyer and Frankie did everything he could to make the process as easy as possible for me. He actually listened to what I wanted, explained in simple words every step of the way and answered all my questions no matter how silly, he even took the time to search for properties that would potentially suit me! When we found what I wanted I had a mortgage offer within 3 days and constant updates from Lauren, who was reassuring and helpful from day one as well! Polite , understanding and professional I cannot find a fault in their services. I would recommend them 100% More...

Reviewed on TrustPilot

Q&As

We love our customers! The best part about our job is getting to know people so we can give them truly unique and unbiased advice about their mortgage and protection needs. We will not simply provide quotes for you but we aim to fully understand your circumstances so we can advise you on the best way to move forward. We'll never push you into expensive options, we will explain the advantages and disadvantages and then tailor a package that's right for you.

I'm Jack and I'm the director of the business. I've been involved in the industry since 2008 and have built up knowledge working for banks such as Barclays and Lloyds Bank and several brokerages throughout the UK. The businesses I've worked for previously didn't offer the customer experience that I felt people deserved. Particularly when making the largest and most expensive purchase you're ever likely to make. I set up the business with a vision... To provide an outstanding customer experience to every customer we help. We want to become the largest and most customer focused brokerage in the UK and we want to do this by doing the best by every customer we help.

We are efficient at what we do and we are experts in our field. Not only do we help with the mortgage and protection but we also have an expert understanding of the house buying process, so we'll talk to you about the property and help you with an offer strategy. As most people are aware, Estate Agents work for the sellers so having a broker on your side is so helpful when buying a house. All of our Advisers go through a meticulous training regime before they meet customers, this means you will always be speaking with someone who knows what they're talking about. We also avoid the use of jargon so that every customer can understand the process. It's really not that complicated when it's broker down :)

Services

Completely unbiased and impartial mortgage advice across the whole mortgage market! We're not tied to any lenders!

We give full advice and recommendation on Life Insurance policies. Including reviewing any existing policies you already have

We give full advice and recommendation on Critical Illness policies. We also have a system called Critical Illness Expert which will review any old policies you have and compare them to the new policies that are available today!

We give full advice and recommendation on Income Protection Benefit policies. Including reviewing any existing policies you already have

We give full advice and recommendation on Home Insurance policies. Including reviewing any existing policies you already have

We have solicitors on hand that we can refer you to

We have Will writing specialists on hand that we can refer you to

We have Surveyors on hand that we can refer you to