Mortgage and Insurance Brokers In Carlisle & Dumfries

Name: Richard Jennings Mortgage Services
Address: Carlisle, CA3 0LJ
Telephone: 01228 406443

Are you looking to get the most suitable mortgage rate for your unique circumstances from a mortgage broker near you?

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Welcome to Richard Jennings Mortgage Services, where our mission is to help you navigate the complexities of mortgages and insurance with ease and confidence. With over 20 years of industry experience, we’ve grown into a trusted, award-winning brokerage, serving clients across Dumfries and Carlisle. Whether you’re searching for tailored mortgage solutions or comprehensive insurance cover, we’re here to provide expert guidance every step of the way.

At the heart of what we do is a commitment to delivering personalized advice. We understand that no two clients are the same, and that's why we take the time to get to know your specific needs—whether you’re a first-time buyer in Dumfries, looking to remortgage your property in Carlisle, or seeking income protection insurance to secure your future. Our goal is to ensure you make informed decisions with confidence.

A key advantage we offer is our new mortgage and insurance advice center in Dumfries, where you can meet with our team face-to-face. Grab a coffee, ask your questions, and benefit from expert advice in a welcoming, relaxed environment. Whether you’re seeking the best mortgage rates, exploring home insurance options, or protecting your income, our dedicated team is here to help.

We know the importance of choosing the right insurance cover, and we believe that cheap isn't always best. Too often, hidden small print or excessive excesses can lead to claims being rejected when you need it most. That’s why we emphasise comprehensive home insurance policies that offer full protection. Our approach focuses on finding the right cover at the right price, ensuring you’re protected without compromise.

At Richard Jennings Mortgage Services, we don’t just work in the community – we’re a part of it. With a deep connection to Dumfries and Carlisle, we’re dedicated to giving back and supporting local initiatives. Our passion for helping others extends beyond finances, and we’re proud to make a positive impact in the areas we serve.

Let us take the stress out of your mortgage and insurance journey. With Richard Jennings Mortgage Services, you’ll experience a brokerage that offers not only expert advice but also a personalised touch, making sure your financial security is always our top priority.

Mortgage Advisors in Carlisle & Dumfries

RESPECTED | TRUSTED | RECOMMENDED

What sets us apart? We have access to over 90 banks and building societies, offering more than 12,000 mortgage products. This allows us to provide a whole-of-market suite of mortgages—whether you're a first-time buyer, looking to remortgage, or seeking buy-to-let options, we have the perfect mortgage to suit your needs. We are so confident in our ability to find the right solution, we believe there's no one better equipped to support your financial journey.

When it comes to insurance, we partner with a wide panel of trusted insurers, including 5-star Defaqto providers, ensuring you receive the most comprehensive cover at competitive rates. Whether it's home insurance, life insurance, or a protection plan tailored specifically to your family’s needs, we ensure you have the peace of mind that comes from knowing you’re fully covered.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Our Services

First Time Buyer

Mortgage advice and guidance for those looking to buy their first home.

Couple sat down in new home with moving boxes around them.

Home Movers

Award winning mortgage advice for those looking to move home.

Remortgage

Expert local advice for those whose current mortgage rate is due for renewal within the next 6 months.

Buy To Let

Whole of market access to buy to let mortgages whether a first time landlord or experienced portfolio professional

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Poor Credit Mortgages

Speak to an expert who will understand your circumstances, listen and use their experience to find a solution for you.

A family cupped in a safe pair of hands.

Life Insurance

Leave behind a legacy to safeguard your loved ones.

Critical Illness

Make sure your health, and not your bills, are your focus at a time of serious illness.

Income Protection

Safeguard your income and lifestyle from unexpected illness or injury

A house being protected by a pair of safe hands

Home Insurance

Protect your home and your cherished possessions with quality home insurance cover

As Featured In

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Independent Mortgage Advice in Carlisle & Dumfries

Advantages of Using Mortgage Brokers

While considering the pros and cons of banks and brokers, it becomes evident that mortgage brokers offer several unique advantages. Primarily, we provide a broad range of products since they have access to 90+ mortgage lenders and thousands of mortgage rates. This allows us to tailor our advice and services to your specific needs and financial situations, unlike banks that can only offer their own products.

Furthermore, as mortgage brokers we can potentially save clients both time and money. We handle the legwork involved in securing a mortgage, from seeking out the right deals for our clients own unique circumstances to liaising with lenders, solicitors, and surveyors. This not only simplifies the process for you but also potentially speeds it up.

Another significant advantage is that we often have access to exclusive deals not available on the open market. This ability to source unique options can potentially result in substantial savings over the term of the loan.

Lastly, as mortgage brokers we pride ourselves on our personalised service. We work directly with clients, offering advice and guidance throughout the process, and our goal is to find the right mortgage product at the most competitive rate.

This level of commitment to individual needs often translates into high customer satisfaction as is reflected in our reviews across multiple platforms and in the awards we win.