Independent Mortgage Adviser in Somerset
Friendly, straightforward mortgage advice from a real person who’ll take the time to understand what you’re trying to do. Whether you’re buying your first home in Taunton, moving to the coast around Clevedon, looking for more space in one of Somerset’s villages, or remortgaging a home you already love, Emma is here to help make the mortgage bit feel a whole lot easier.
Mortgage Advice That Actually Makes Sense
Somerset gives home buyers a little bit of everything.
There are busy towns, seaside communities, rural villages, new developments and beautiful older properties — and the mortgage considerations can be just as varied.
You might be buying your first flat in Weston-super-Mare, moving your family to Taunton, looking at a cottage near Wells, relocating to one of the Mendip villages, or trying to work out whether a property on the Somerset Levels is going to cause a lender any concerns.
That’s where Emma comes in.
Emma Moschakis is Delta Mortgages’ Somerset mortgage adviser, based at our Clevedon office. She’ll take the time to understand you, your income and the property before researching mortgage options from across the market.
You can arrange an appointment with Emma at:
Delta Mortgages
Channel Court
8 Hill Road
Clevedon
BS21 7NE
Or, if Clevedon isn’t particularly local to you, appointments can be held over the phone or by video instead.
Get started here
Your Local Mortgage Advice Across Somerset
Emma's office is in Clevedon, but her clients certainly don’t all live there.
We help people buying, moving and remortgaging throughout Somerset and North Somerset, including:
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Clevedon, Portishead & Nailsea
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Yatton, Congresbury & surrounding villages
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Weston-super-Mare & the North Somerset coast
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Wells & the Mendip area
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Glastonbury & Street
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Bridgwater & surrounding villages
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Taunton & Wellington
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Frome & East Somerset
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Yeovil & South Somerset
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Somerset’s rural villages and surrounding countryside.
Emma also works with clients in neighbouring Bristol and further afield, so you don’t need to live around the corner from our Clevedon office to use her.
More Than Just "Standard" Mortgages in Somerset
Every mortgage application is different. Your income, deposit, credit history, property type and future plans can all affect which lenders are suitable.
Emma helps clients across Somerset with straightforward purchases as well as cases that need a little more research or explanation.
And once your mortgage application has gone in, Emma doesn’t disappear. She’ll help you through the mortgage process, deal with lender queries and keep things moving towards your offer and completion.
Buying & Living in Somerset
There is no single "Somerset property market".
Buying a modern home in Taunton can present very different considerations from buying a period cottage in the Mendips, a coastal flat in Weston-super-Mare or a rural home outside Wells.
Wherever you're buying, getting the mortgage side organised early can make the rest of the process much easier.
Buying your first home can feel like a lot to take in. Emma can help you understand how much you may be able to borrow, what deposit you might need and what to expect from the mortgage process.
If you’re moving within Somerset or relocating into the area, we can review your existing mortgage alongside your new borrowing requirements and help you understand the options available.
If your current mortgage deal is coming to an end, we can compare the options available from your existing lender with suitable alternatives across the wider market, taking account of rates, fees and overall cost.
Shared Ownership can provide another route into home ownership. Emma can help you understand how the mortgage, deposit, rent and service charges fit together and check which lenders may be suitable.
Investment & Business Finance
We also help landlords, investors and developers across Somerset with specialist property finance.
Whether you’re buying your first rental property, expanding a portfolio or remortgaging an existing investment, we can help compare suitable buy-to-let options and lender criteria.
Holiday Let Mortgages
Somerset’s countryside and coastal areas make holiday lets a natural fit for some investors. We can help with lenders that are comfortable with properties intended for short-term holiday accommodation.
Bridging finance can provide short-term funding for situations such as chain breaks, auction purchases, refurbishment projects or buying before another property has sold.
We can arrange specialist finance for property developers funding new-build projects, major refurbishments, conversions and multi-unit developments.
Limited Company & Portfolio Landlord Mortgages
We also help portfolio landlords and investors purchasing through limited companies, including SPV structures, where lender criteria can be more specialised.
Specialist Mortgage Advice
Somerset is home to everything from city commuters and small-business owners to landlords, contractors and people whose income simply doesn’t arrive as the same basic salary every month.
That can make lender choice much more important.
Lenders assess self-employed income in different ways. Whether you’re a sole trader, limited company director or have a shorter trading history, we can look at how your income is structured and identify lenders whose criteria may be a better fit.
Mortgages for Contractors & Complex Incomes
If your income includes overtime, commission, bonuses, contract work or other variable earnings, lender criteria can vary considerably. We’ll look at how your income is evidenced before deciding which lenders to approach.
Mortgages With Previous Credit Problems
A previous credit issue does not necessarily mean you cannot get a mortgage. The type of credit problem, when it happened and your wider circumstances will all be relevant, so it is worth reviewing the detail before making assumptions.
Do you want to buy a new home but keep your current property as a rental investment? We can arrange the simultaneous financing to make it happen.
Protecting What Matters
It’s not just about the bricks; it’s about the lifestyle you are building here.
We can help you consider suitable protection options, such as life insurance and critical illness cover, to help protect your household financially if the unexpected happens.
Not sure what this is? Check out our Protection page.
Meet Emma Moschakis – Your Local Mortgage Adviser in Somerset
“I’m passionate about mortgages and I really enjoy helping take some of the worry and stress out of the process. Somerset is a beautiful part of the country, and I feel very lucky to be helping people locally with something as important as buying or refinancing their home.”
Emma is based at our Clevedon office and helps clients across Somerset and the surrounding areas with residential and specialist mortgage advice.
She works with first-time buyers, home movers, landlords and clients with more complex circumstances, including self-employed income, variable pay and previous credit issues.
Emma has particular experience with Shared Ownership and enjoys helping clients understand their options clearly, especially when they are unsure where to start.
Her approach is straightforward and personal. She’ll take the time to understand what you’re trying to achieve, explain the mortgage process in plain English and keep you updated from the first conversation through to completion.
You can meet Emma at our Clevedon office, speak to her over the phone or arrange a video appointment.
Based in: Clevedon, Somerset.
Helps with: First-time buyers, home movers, Shared Ownership, buy-to-let and more complex mortgage cases.
Appointments: In person, by phone or by video.
What to expect: Clear advice, direct contact and ongoing support throughout your mortgage application.
"Emma at Delta Mortgages has been absolutely amazing from start to finish! She truly went above and beyond for us throughout the whole process. She was always quick to respond, incredibly approachable, and always on hand whenever we needed her. Having someone so supportive and reassuring made what could have been a really stressful experience so much easier. We honestly couldn’t have asked for a better mortgage advisor and would highly recommend Emma and Delta Mortgages to anyone looking for friendly, professional, and genuinely caring support."
Sophie, Google review
"Emma at Delta was amazing. Amazing is an overused word these days but Emma was truly amazing. I have a tendency to bury my head in the sand but Emma was patient and held my hand through the process. I would wholeheartedly recommend her services to anyone. When it’s time to have another chat with Delta I’ll be back for sure"
Shaun, Google Review
"Emma has been amazing from start to finish, the first person to take time to explain the whole process so that we fully understood everything that was going on.
When something needed doing Emma was on it and got it sorted straight away. Never made us feel like we were hassling her, just friendly, professional and super helpful the whole way through. I won't be using anyone else in the future! Thank you again for everything! God bless you"
Tommy, Google Review
"I honestly don’t think words are enough to describe how incredible Emma was throughout my mortgage journey. From day one, she was so much more than just a broker — she became a source of support, reassurance, and calm during one of the most stressful moments of my life. Whenever I felt worried or anxious, she was always there to comfort me, guide me, and remind me that everything would be okay. Emma was always positive, incredibly professional, fast to respond, and genuinely caring. No matter the time — even late evenings or weekends — she was always available to answer my questions and help with anything I needed. That level of dedication is rare."
Juliana, Google Review
"I just wanted to pass on our thanks to your company but especially to Emma Moschakis in securing us a mortgage for a property at canford vale. She then guided us through the whole process with exceptional knowledge, skill and kindness. We had a few hurdles to overcome to get the mortgage but she overcame them for us brilliantly whilst constantly keeping me updated on the progress. When I first spoke to her, I wasn't sure if we were yet in a position to get a mortgage as I'm self employed ,but not only did she secure us one she got us a much better rate than she initially thought she could get us. She is a credit to the business and honestly worked so hard for us. We have now exchanged contracts and just waiting to move into our brand new home and it's all thanks to Emma."
drmford, Google Review
"Just when I thought all hope was gone, Emma stepped up and was absolutely brilliant.
I’d already had three other mortgage brokers struggle with my fairly unusual circumstances, so I was starting to think getting a mortgage sorted simply wasn’t going to happen. Emma was an absolute Jedi.
Extremely professional, incredibly communicative, clear throughout the whole process and, most importantly, she actually found solutions where others couldn’t.
I genuinely can’t recommend her highly enough. If your situation is slightly complicated, or you’ve been told no elsewhere, speak to Emma. She knows her stuff and made what had become an incredibly stressful process feel manageable again. Five stars, without hesitation."
John, Google Review
"The journey to our mortgage for our new home was an amazing one! We will forever be grateful to Emma Moschakis for her incredible patience and support, and for the determination to secure a very good mortgage in record time!
Your incredible determination and constant follow-ups with the mortgage provider and the housing association was instrumental to delivering our new home far quicker than we had expected!"
Simon, Google Review
"We cannot recommend Emma Moschakis highly enough! From the very beginning, Emma has been absolutely outstanding throughout our mortgage journey. Her professionalism, knowledge, dedication, and genuine support made what could have been a stressful experience feel smooth, clear, and manageable."
Angela, Google Review
"We have recently just completed purchasing our first home and we could not have done this without Emma.
Throughout the whole process Emma was there to help us with any questions and problems we had. Always available and very punctual and clear. Emma also went above and beyond assisting with things that were definitely not in her job description. Without her help or should I say keeping everyone on track, we would not have moved before Christmas anytime after! I honestly could not recommend more. A pleasant experinace from start to finish."
Lewis, Google Review
Take a look at our other 5* reviews
Mortgages in Somerset: What’s Different Here?
Somerset has a varied property market, from coastal homes and modern developments to rural cottages, listed buildings and properties with land. Here are a few things worth considering when buying locally.
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Flood Risk
Flood risk can be an important consideration in some parts of Somerset, particularly around low-lying areas and the Somerset Levels.
This doesn’t necessarily prevent you getting a mortgage, but lenders, valuers and insurers may want to understand the individual property risk. It’s worth checking this early in the buying process.
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Period & Listed Properties
Somerset has plenty of older and character properties, including listed buildings and homes within conservation areas.
These can be perfectly mortgageable, but the construction, condition of the property and any restrictions on alterations may influence the lender or valuation. We can help check lender criteria before you commit.
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Rural Properties & Land
Buying outside Somerset’s larger towns can sometimes mean a little more to consider.
Properties with larger plots, outbuildings, private access, agricultural restrictions or unusual features may not suit every lender. If the property is slightly different from a standard house, we can check the details before deciding where to apply.
Frequently Asked Questions
Yes. Emma is based at our Clevedon office at Channel Court, 8 Hill Road, Clevedon, BS21 7NE.
Please arrange an appointment before popping in to make sure she's there. Otherwise she can chat to you by phone or video if that’s more convenient.
No. Emma works with clients across Somerset, Bristol and the surrounding areas; she has existing clients based across the UK too.
Most of the mortgage process can be handled remotely, so you don’t need to be close to the office to work with her.
Your initial conversation with us is free, and there's no charge for an Agreement in Principle (AIP).
If you decide to proceed with our advice, we charge a broker fee for the research, recommendation, and application for your mortgage. We’ll explain the fee clearly before you commit to anything.
Yes. Emma works with lots of first-time buyers and can help you understand how much you may be able to borrow, what deposit you might need and what happens at each stage of the mortgage process.
She also has experience helping buyers using Shared Ownership.
Potentially, yes. Lenders assess self-employed income in different ways, so the right lender can depend on whether you’re a sole trader, limited company director, contractor or have only a short trading history.
Emma can look at how your income is structured and help identify suitable options.
Visit our pages on mortgages for Self-Employed and Contractors if you need more info (or just speak to Emma!)
Yes, depending on the circumstances.
A missed payment, default or other previous credit issue does not automatically mean you cannot get a mortgage. Lenders will usually look at what happened, how long ago it happened and how your finances have been managed since.
If you have any concerns, raise them with Emma at the outset. She’ll listen without judgement, look at the circumstances in detail, and help identify lenders whose criteria are more likely to fit your situation.
Yes. Some lenders have different criteria for listed buildings, thatched properties, homes with land, unusual construction or properties with private access or other non-standard features.
It’s often worth checking the property details before applying so we can identify lenders that are more likely to be comfortable with it.
It can. If a property is in an area with a higher flood risk, a lender or valuer may want more information before agreeing to lend. Buildings insurance can also be an important consideration.
It doesn’t automatically mean the property cannot be mortgaged, but it is something worth checking early. Send the property details to Emma so she can advise you.
Yes. Whether you’re buying your first rental, adding another property to a portfolio or looking at a holiday let in Somerset, we can help you work out which lenders are likely to suit the property and how you plan to use it.
We can also help with limited company purchases and more complex portfolio cases.
Yes. If you need to buy before your current property has sold, are purchasing at auction, or have a renovation or development project in mind, speak to Emma about what you’re trying to achieve.
She can talk you through whether bridging or development finance could be suitable, how the funding works and the costs involved, so you understand the full picture before deciding whether to go ahead.
Ready to Talk Through Your Mortgage?
Whether you’re buying your first home, moving, remortgaging or looking at something more specialist, Emma is here to help you understand your options and what to do next.
You can meet her at our Clevedon office, or arrange a phone or video appointment if that’s easier.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.