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Previously
we’ve rebranded to

Whole-of-Market Mortgage Broker

Mortgage advice without the jargon. Get Proper Advice today.

Mortgage advice without
the jargon. Get Proper Advice today.

Straightforward mortgage and protection advice for remortgages, debt consolidation and home buyers.
  • Get started in just 2 mins
Remortgage my home
Purchase a home

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

Below are just some of the lenders we work with daily to get you the best deal.
Find your mortgage
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 protection

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.

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.

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
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)?*