Business Details
Your Trusted Mortgage Broker in Leicester
Heritage Estates is a mortgage brokerage firm based in Oadby, Leicester, specialising in residential and buy-to-let mortgages. With over 15 years of experience in financial services, our team provides tailored mortgage solutions for first-time buyers, company directors, self-employed individuals, and those with complex financial situations. We offer comprehensive guidance through the mortgage process, including affordability assessments, lender selection, and application support. Our CeMAP-trained advisers prioritise client needs by identifying lenders aligned with individual circumstances to optimise outcomes. We maintain strong relationships with major lenders while offering insurance protection services to safeguard clients' investments.Our commitment to transparency ensures clients understand all costs associated with mortgage products. We operate under Quilter Mortgage Planning Limited's FCA-authorised framework, adhering to strict regulatory standards. Our small, dedicated team focuses on building long-term client relationships through personalised service and expert market knowledge. We provide free initial consultations to help clients navigate mortgage options without obligation. Our Leicester-based office serves clients across the UK with both regulated and unregulated mortgage products.
Services
Residential Mortgages
Buy-to-Let Mortgages
Remortgages
First Time Buyers
Self-Employed Mortgages
Highlights and features
- We offer 15+ years of mortgage advisory experience
- Our team provides CeMAP-certified professional expertise
- We operate under FCA-authorised Quilter Mortgage Planning Limited
- We offer free no-obligation initial consultations
- We specialise in complex cases including self-employed mortgages
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Residential Mortgages
We provide residential mortgage solutions tailored to individual circumstances. Our FCA-regulated advisers help clients navigate various mortgage products, ensuring optimal matches for their financial situations. We offer comprehensive support from initial affordability assessments through to final application submission.
Buy-to-Let Mortgages
Specialist buy-to-let mortgage services for property investors. We connect clients with suitable lenders offering competitive rates for rental property investments. Our advisers provide market insights to help maximise investment returns while managing financial risks effectively.
Remortgages
Expert remortgaging guidance to help homeowners secure better rates. We analyse current mortgage arrangements and market options to identify cost-saving opportunities. Our service includes penalty calculations and new lender negotiations to ensure smooth transitions.
First Time Buyers
Dedicated support for first-time property purchasers. We explain mortgage options clearly, help calculate affordability, and guide clients through the entire buying process. Our service includes deposit requirement analysis and government scheme eligibility assessments.
Self-Employed Mortgages
Specialist mortgage solutions for self-employed individuals. We work with lenders understanding non-traditional income structures, helping clients with 1+ year accounts secure competitive mortgage rates. Our advisers navigate complex income verification processes to improve approval chances.
People
Julia Towarianskyj
Mortgage & Insurance Adviser
With over 15 years in financial services, Julia specialises in residential and buy-to-let mortgages. As a CeMAP-trained professional, she helps clients navigate mortgage options while providing insurance protection advice tailored to individual needs.
Questions
What mortgage services do you offer?
We provide residential mortgages, buy-to-let loans, remortgaging solutions, first-time buyer assistance, and specialist mortgages for self-employed individuals and company directors.
Are your mortgage services regulated?
Most residential mortgages are FCA-regulated through our association with Quilter Mortgage Planning Limited. Some buy-to-let and commercial mortgages are unregulated products available by referral.
How do you help clients save money?
We identify lenders most likely to approve applications, avoiding unnecessary rejections. Our market expertise helps clients secure competitive rates and avoid overpaying through detailed affordability assessments.
Do you offer free consultations?
Yes, we provide free no-obligation initial consultations to discuss mortgage requirements and explain available options tailored to individual financial circumstances.
Can you help with complex mortgage cases?
Our team specialises in complex cases including self-employed mortgages, credit-impaired applicants, foreign nationals, and those with unusual income streams through our lender network.
What areas do you serve?
While based in Leicester, we provide mortgage services to clients across the UK, working with national lenders to support property transactions in various locations.
Reviews (6)
Hilary Muma
Jun 15, 2022
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I got introduced to Julia T by a friend she assisted in his mortgage. She has been very helpful throughout the process, proposing different options, providing feedbacks and updates all along the way until completion. She deserves more than 5*
Tommy
Apr 17, 2020
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Highly recommend. Friendly, approachable and nothing is too much trouble. Being a first time buyer, they made the whole process stress free and smooth. Thank you so much. :
Suhail
May 07, 2019
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Such a smooth experience throughout. Special mention for Julia who was extremely supportive throughout the whole process. I fully recommend Heritage estates for anyone looking for a hassle free service
Leanne M.
Feb 19, 2019
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I would like to thank Julia and her colleague Masoud. Without their dedication, and hard work we would not have our mortgage which was a long and difficult situation. Julia is extremely helpful, friendly and approachable. She is very efficient and prompt to respond to emails and calls keeping you informed as much or as little as you like. Sometimes in these situations it can be intimidating as mortgages etc are just a mind-boggling experience but Julia made it as easy and smooth as possible. I have already recommended her to others. Thank you again!
Kate M.
Feb 07, 2019
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Absolutely fabulous service. Julia took such great care when arranging our mortgage, spot on customer service and she was able to find us the best products on the market available to us.
Arif Patel
Dec 28, 2018
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Thank you Julia, I am really pleased with my new mortgage which has saved me money. You made the entire process very simple and were always available to guide, assist and answer my questions. I am definitely recommending to you all of my family and friends.
