We've rebranded! Formerly known as Green Mortgages

We've rebranded! Formerly known as Green Mortgages

Whole-of-market mortgage broker

Mortgage advice without the jargon.

Mortgage advice without the jargon.

Straightforward mortgage and protection advice for remortgages, debt consolidation and home buyers.
 
  • Get started in just 2 mins
Remortgage my home
Purchase a home
Compare 90+ lenders with no impact on your credit score

1,800+

5-star reviews across Google and Trustpilot

90+

lenders searched to find your deal

6 months

before your fixed rate ends, we get in touch

Weekly

rate checks while your application is live

1,800+

5-star reviews across Google and Trustpilot

90+

lenders searched to find your deal

6 mths

before your fixed rate ends, we get in touch

Weekly

rate checks while your application is live

Mortgage services for every situation

Debt Consolidation

Combine debts such as credit cards and loans into one affordable mortgage payment.

Remortgages

Switch to a better rate, reduce your monthly payments or release equity from your home.
First Time Buyers
Moving Home
Adverse Credit Mortgages
Life Insurance
Critical Illness Cover

Debt Consolidation

Combine debts such as credit cards and loans into one affordable mortgage payment.

Remortgages

Switch to a better rate, reduce your monthly payments or release equity from your home.
First Time Buyers
Moving Home
Adverse Credit Mortgages
Life Insurance
Critical Illness Cover

We work with over 90 UK lenders

We work with the majority of UK high street and specialist lenders to find you the best deal possible.
Find your best deal
We'll discuss your needs, assess your options and provide you with quotes, all for free.

Is now the time to review your Mortgage and Life Insurance?

Many people only review their mortgage or protection when their deal ends, but with Proper Advice, you get ongoing support throughout your mortgage journey.
  • We get in touch 6 months before your fixed rate ends so you can review your options early
  • Stay updated if market changes could affect your payments
  • Regular check ins in case your personal circumstances have changed
  • Ensuring your life insurance continues to match your mortgage and family needs
Review my mortgage
Review my insurance

Tried and trusted, time and time again

With over 1,800 5-star reviews across Google and TrustPilot, we've helped thousands of customers find the right mortgage solution.
4.9Google star 1Google star 2Google star 3Google star 4Google star 5
4.9Google star 1Google star 2Google star 3Google star 4Google star 5
Top Rated Service 2026
Verified by Trustindex
Top Rated Service
  • 4.9 Excellent rating Last 12 months
  • New reviews collected regularly Recent review activity detected
  • Leading Service Google Maps rating and review data
  • Verified by Trustindex Based on real customer reviews Learn more
Posted on Google Google
Gary Fallows profile picture
Gary Fallows
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great Company , Very helpful, Personally wouldn’t go with anyone else for mortgages
Posted on Google Google
Joanna Darke profile picture
Joanna Darke
16 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Proper advice made the whole experience smooth and stress free. I was kept informed throughout each stage of the process and the team were on hand for any questions I had. Highly recommend!!
Posted on Google Google
Safwan Maroof profile picture
Safwan Maroof
26 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Amazing service really good and quick
Posted on Google Google
Nicola Vent profile picture
Nicola Vent
39 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Huge thanks to both Amy and Harry for their support during our re-mortgage process. Always reassured me when I had concerns and kept us informed throughout. Extremely happy with the service provided. I'll be back in touch when our deal runs out.
Posted on Google Google
Andrew James profile picture
Andrew James
42 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I would highly recommend Proper Advice. From start to finish, they were always in regular communication with me and kept me fully informed throughout the remortgage process. They made everything straightforward and easy to understand, and importantly, they showed me exactly how much I could save by remortgaging. The service was professional, friendly and genuinely helpful. I wouldn’t hesitate to use Proper Advice again and would highly recommend them to anyone looking for a remortgage broker.
Posted on Google Google
Lisa Ellwood profile picture
Lisa Ellwood
62 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Remortgaged with proper advice, all member of the team really helpful and professional, got me a great deal and completed within 2-3 weeks. Would recommend and use again in the future.
Posted on Google Google
Karen Chaplin profile picture
Karen Chaplin
73 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service for remortgage. Daniel could not have been more helpful in finding the best mortgage to suit our needs. All communication was answered promptly by Daniel and his team, who provided advice and liaised with the solicitor and lender on our behalf for anything we wanted to know, nothing was too much trouble. We completed in two months with no issues. Highly recommend.
Posted on Google Google
myra mcmillan profile picture
myra mcmillan
75 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I cannot rave about this company enough. Amy and Tom have saved me over £400 per month by moving my mortgage and knocked 4 months off it. I hardly had to do a thing. They also had it completed within a month. Thank you so much guys. It’s made a big difference to everyday life for me. Myra.
Posted on Google Google
Stephen Moulton profile picture
Stephen Moulton
76 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Dan was fantastic and was great at communicating throughout the process. He got me a competitive deal quickly, would recommend them in a heartbeat.
Posted on Google Google
Laura Brown profile picture
Laura Brown
76 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We couldn't recommend Harry and Amy enough. From the very beginning, they were absolutely fantastic and made what was a stressful process feel so much easier. They didn't just help us secure our mortgage - they supported us every step of the way with everything that came afterwards too. As first-time buyers, we had so many questions, but Harry and Amy were always there to answer them, no matter how big or small. They kept us reassured throughout the entire process, explained everything clearly, and made us feel so supported from start to finish. Their communication was phenomenal! Their professionalism, knowledge, and genuine care made all the difference. We are so grateful for everything they've done and wouldn't hesitate to recommend them to anyone looking for mortgage advisors. We will 100% be using them again. Thank you both for helping us get into our first home!
Posted on Google Google
Dean Coot profile picture
Dean Coot
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Went to these for a remorgage. All I can say is what a team .from the first communication through to the end. Thanks again michael
Posted on Google Google
Jess Storer profile picture
Jess Storer
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a very smooth remortgage process from start to finish. We were really impressed with the level of service, knowledge and expertise of the team. I wouldn’t hesitate in recommending to anyone and we have already agreed that we will use again when our current mortgage is due for renewal again. Thanks all for your hard work!
Posted on Google Google
Keith Armstrong profile picture
Keith Armstrong
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have used this company several times now and the service is second to none. Nina was a massive support I cant thank her and the team enough
Posted on Google Google
Carrie Collins profile picture
Carrie Collins
82 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jack and Georgia have been wonderfully helpful and supportive during the whole process of sorting out my mortgage. They respond quickly and make every effort to find the mortgage that best suited my needs. At no point did I feel pressurised or unsure and wouldn’t hesitate to recommend them.
Posted on Google Google
Helen Casson profile picture
Helen Casson
83 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Incredible service. No pressure, excellent efficient communication in a way that suited us. Brilliant deal that we did not think possible. Life changing. Thank you to Amy who help us through every step and Harry who from day one gave us confideNce

Tried and trusted, time and time again

With over 1800 5-star reviews across Google and TrustPilot, we've helped thousands of customers find the right mortgage solution.
4.9Google star 1Google star 2Google star 3Google star 4Google star 5
4.9Google star 1Google star 2Google star 3Google star 4Google star 5
Top Rated Service 2026
Verified by Trustindex
Top Rated Service
  • 4.9 Excellent rating Last 12 months
  • New reviews collected regularly Recent review activity detected
  • Leading Service Google Maps rating and review data
  • Verified by Trustindex Based on real customer reviews Learn more
Posted on Google Google
Gary Fallows profile picture
Gary Fallows
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great Company , Very helpful, Personally wouldn’t go with anyone else for mortgages
Posted on Google Google
Joanna Darke profile picture
Joanna Darke
16 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Proper advice made the whole experience smooth and stress free. I was kept informed throughout each stage of the process and the team were on hand for any questions I had. Highly recommend!!
Posted on Google Google
Safwan Maroof profile picture
Safwan Maroof
26 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Amazing service really good and quick
Posted on Google Google
Nicola Vent profile picture
Nicola Vent
39 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Huge thanks to both Amy and Harry for their support during our re-mortgage process. Always reassured me when I had concerns and kept us informed throughout. Extremely happy with the service provided. I'll be back in touch when our deal runs out.
Posted on Google Google
Andrew James profile picture
Andrew James
42 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I would highly recommend Proper Advice. From start to finish, they were always in regular communication with me and kept me fully informed throughout the remortgage process. They made everything straightforward and easy to understand, and importantly, they showed me exactly how much I could save by remortgaging. The service was professional, friendly and genuinely helpful. I wouldn’t hesitate to use Proper Advice again and would highly recommend them to anyone looking for a remortgage broker.
Posted on Google Google
Lisa Ellwood profile picture
Lisa Ellwood
62 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Remortgaged with proper advice, all member of the team really helpful and professional, got me a great deal and completed within 2-3 weeks. Would recommend and use again in the future.
Posted on Google Google
Karen Chaplin profile picture
Karen Chaplin
73 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service for remortgage. Daniel could not have been more helpful in finding the best mortgage to suit our needs. All communication was answered promptly by Daniel and his team, who provided advice and liaised with the solicitor and lender on our behalf for anything we wanted to know, nothing was too much trouble. We completed in two months with no issues. Highly recommend.
Posted on Google Google
myra mcmillan profile picture
myra mcmillan
75 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I cannot rave about this company enough. Amy and Tom have saved me over £400 per month by moving my mortgage and knocked 4 months off it. I hardly had to do a thing. They also had it completed within a month. Thank you so much guys. It’s made a big difference to everyday life for me. Myra.
Posted on Google Google
Stephen Moulton profile picture
Stephen Moulton
76 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Dan was fantastic and was great at communicating throughout the process. He got me a competitive deal quickly, would recommend them in a heartbeat.
Posted on Google Google
Laura Brown profile picture
Laura Brown
76 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We couldn't recommend Harry and Amy enough. From the very beginning, they were absolutely fantastic and made what was a stressful process feel so much easier. They didn't just help us secure our mortgage - they supported us every step of the way with everything that came afterwards too. As first-time buyers, we had so many questions, but Harry and Amy were always there to answer them, no matter how big or small. They kept us reassured throughout the entire process, explained everything clearly, and made us feel so supported from start to finish. Their communication was phenomenal! Their professionalism, knowledge, and genuine care made all the difference. We are so grateful for everything they've done and wouldn't hesitate to recommend them to anyone looking for mortgage advisors. We will 100% be using them again. Thank you both for helping us get into our first home!
Posted on Google Google
Dean Coot profile picture
Dean Coot
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Went to these for a remorgage. All I can say is what a team .from the first communication through to the end. Thanks again michael
Posted on Google Google
Jess Storer profile picture
Jess Storer
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a very smooth remortgage process from start to finish. We were really impressed with the level of service, knowledge and expertise of the team. I wouldn’t hesitate in recommending to anyone and we have already agreed that we will use again when our current mortgage is due for renewal again. Thanks all for your hard work!
Posted on Google Google
Keith Armstrong profile picture
Keith Armstrong
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have used this company several times now and the service is second to none. Nina was a massive support I cant thank her and the team enough
Posted on Google Google
Carrie Collins profile picture
Carrie Collins
82 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jack and Georgia have been wonderfully helpful and supportive during the whole process of sorting out my mortgage. They respond quickly and make every effort to find the mortgage that best suited my needs. At no point did I feel pressurised or unsure and wouldn’t hesitate to recommend them.
Posted on Google Google
Helen Casson profile picture
Helen Casson
83 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Incredible service. No pressure, excellent efficient communication in a way that suited us. Brilliant deal that we did not think possible. Life changing. Thank you to Amy who help us through every step and Harry who from day one gave us confideNce

Perks of working with Proper Advice

Working with an experienced mortgage broker is the best decision you'll make this year.
Over 90 lenders to choose from
We search over 90 lenders to find a mortgage for you, helping you secure a competitive deal rather than being limited to a single provider.
Dedicated adviser & case manager
You’ll have two points of contact from start to finish, guiding you through your options, answering questions and keeping everything moving smoothly.
We handle the lender paperwork for you
From paperwork to liaising with lenders, solicitors and estate agents, we manage the process for you to make everything as simple and stress-free as possible.
Weekly review of your interest rate
During your application we review your rate weekly to make sure you complete on the best interest rate possible.

Kickstart your Mortgage Journey

  • Speak to us about what you're looking to do
  • Provide some basic documents to kickstart the process
  • We'll review your documents and draw up some accurate quotes
  • If you like what you see, we can look to get an Agreement in Principle
  • We'll do our final checks, and then we can get your application underway
Get Started Today
icon of a man presenting something on his right

Check out our useful Mortgage Calculators

One of our customers saved £512 per month with a debt consolidation remortgage.
Debt Consolidation Calculator
Mortgage Payment Calculator

Expert Mortgage Brokers that are here for you at every step

We are based in Chester, North West of England, but operate across all of the UK.
michael kallaras
A word from our Managing Director

With over 1800+ 5-star reviews, we pride ourselves on providing proper advice every time.

From first enquiry to completion, our team make the mortgage process seamless.

Michael Kallaras
Managing Director and Mortgage Advisor

Frequently Asked Questions

We're glad you asked! You can get in touch in a number of different ways:

  • Call us on 01244 955 399
  • Email us at info@properadvice.co.uk
  • Use one of our website contact forms, or click 'Find Your Deal' at the top of the page

Our head office is based in Chester city centre, however we have satellite offices in the following cities:

  • London
  • Manchester
  • Liverpool
  • Birmingham
  • Cardiff
  • Newcastle
  • Leicester

Our core opening hours are listed below, however we are happy to arrange out of hours and weekend calls if you are unable to reach us during these hours.

  • Monday 08:30 to 19:00
  • Tuesday 08:30 to 19:00
  • Wednesday 08:30 to 19:00
  • Thursday 08:30 to 19:00
  • Friday 08:30 to 19:00

We offer a multitude of services catering to homeowners and prospective buyers. See them listed below!

Mortgage Services

  • Remortgages
  • Debt Consolidation Mortgages
  • Home Improvement Mortgages
  • Green Mortgages
  • Adverse Credit Mortgages
  • Buy to Let Mortgages
  • Self Employed Mortgages
  • Interest Only Mortgages
  • Shared Ownership Mortgages
  • Moving Home Mortgages
  • First Time Buyer Mortgages
  • Let to Buy Mortgages

Protection Services

  • Mortgage Protection (Life Insurance)
  • Income Protection
  • Critical Illness Protection
  • Business Protection

Typically, we do charge a fee for arranging a mortgage, however the actual fee will be dependent on your circumstances.

All of our initial consultations, document reviews, product sourcing, and quotes are completely free. We believe you should have all the information you need to make the right decision, without any pressure or obligation to proceed.

When it comes to lender fees, there may be arrangement, product, valuation, or application fees linked to your chosen lender. In any case, we’ll always provide a full breakdown of any applicable fees before you apply, so you’re never caught by surprise.

There may also be legal costs for conveyancing or solicitor services. Some lenders offer free legal services, but you often have the option to choose a paid legal provider for faster turnaround and more personalised service.

At every stage, our goal is to keep things clear, transparent, and entirely in your hands.

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What are you looking to do?*
Do you know when your current deal ends?
Do you already have an agreement in principle (AIP)?*