Delta Mortgages – Our Story

Two separate businesses. Four directors.
One shared frustration with how needlessly complicated mortgages had become. So, with a slightly crooked flipchart, strong coffee, and a mutual love of doing things properly (and fuelled by biscuits), we joined forces to build something better: Delta Mortgages.

A Mortgage Journey - How Did We End Up Here?

Meet the Delta Directors

At Delta Mortgages, we know that mortgages can feel… well, a bit much. From shifting rates to endless paperwork, it’s easy to feel unsure of where to start—even before the house hunting begins. That’s where we come in.

We believe getting a mortgage should feel clear, calm and under control. It’s not just about securing a great rate—it’s about feeling informed, supported and confident in every decision.

But where did we start? Ah well we have a story of two tales.

We didn’t set out to build just another mortgage firm.

Delta started with a conversation—well, several conversations, across two separate businesses, in two different towns, all circling the same thought: there has to be a better way to do this.

We’d each built successful mortgage firms—BWM Mortgages in Poole (Oscar and Jo) and Heritage Mortgages in Bournemouth (Luke and Steve)—but we kept coming back to the same frustrations.

The industry felt too rigid.

Too transactional.

Too focused on products and not enough on people.

So, we brought our two firms—and our shared belief in doing things differently—together.

Between the four of us, we’ve clocked up decades in the industry. But what matters most is how we choose to use that experience.

We didn’t want to just chase deals.

We wanted to build something we’d be proud to put our names to—something honest, fiercely independent, and built around proper mortgage advice and proper relationships.

At Delta Mortgages, people always come first.

No jargon.

No corporate fluff.

Just calm, clear support from a team who genuinely care.

And yes—we’re whole-of-market brokers, with access to over 100 lenders and more than 14,000 mortgage products.

But the part we care most about? Making sure the one we recommend is right for you.

Whether you’re buying your first home, moving to your forever one, remortgaging, investing, or just figuring out where to start—we’re here to help you make sense of it, and to help you move forward with confidence.

Thanks for being here. We’re glad you found us.

And if you’re local—pop in. The kettle’s always on.

Much love,

(Founders of Delta Mortgages)

Hear from happy people

What Makes Delta Mortgages Different?

We’re not your typical mortgage advisers. No stuffy suits. No scripts. No hidden agendas. Just a team of down-to-earth experts who know the market, understand the emotions involved, and care deeply about doing right by every client.

Straightforward Support

We don’t do jargon, and we definitely don’t do pushy sales talk. That’s why we break everything down, explain every step, and never make you feel silly for asking questions (even if it’s the fifth time). No jargon. No spin. Just solid advice you can trust.

Everyday Reassurance

Buying a home? Moving house? Remortgaging to free up cash? These aren’t just transactions—they’re milestones. We’re here to bring calm to the chaos, to spot problems before they happen, and to be that reassuring voice when you’re unsure what comes next.

Warm Personality

We’re professional, but with personality. We keep things light when it helps and serious when it matters. We might even make you smile during your mortgage appointment (and not just because you’re saving money). Rest assured. We’ve got your back.

Integrity & Independence

We don’t answer to banks. We don’t have quotas to hit. Our advice is always guided by what’s best for you—not what’s best for a lender. That’s the beauty of being a whole-of-market mortgage broker.

Client-First, Always

Whether you're a first-time buyer in Poole, remortgaging in Bournemouth, or expanding your property portfolio, we don’t disappear once your mortgage offer lands. We’re in your corner from that first call to the day you get the keys—and beyond.

Need help switching deals down the line? We’ll be in touch before your lender is.

What We Stand For

Our values aren’t marketing fluff—they guide every conversation we have, every recommendation we make, and every cup of tea we drink with clients. (Yes, we’ll offer you one.)

CURIOSITY

We start by listening. We want to understand what matters to you—not just where you live and how much you earn, but your goals, your worries, your "I saw this online—is it a real thing?" questions. We dig deeper to give mortgage advice that’s not just accurate, but meaningful.

EMPATHY

We know mortgages often come wrapped in emotion—whether it’s the nerves of buying your first home, the pressure of a divorce, or the relief of finally getting on top of your finances. We never forget the human side. We meet you wherever you are on your journey, without judgement.

Integrity

It’s simple: we do the right thing. That means being upfront when something might not work, explaining all your options (not just the easiest ones), and never cutting corners just to get a deal done. Trust is everything to us.

Passion

We genuinely love helping people move forward in life— whether it’s handing over a first-time buyer’s mortgage in principle, or helping a landlord refinance a growing portfolio. We’re here because we care, and we love seeing your plans come to life.

Expertise

Mortgages are what we do, day in and day out. But we never forget that you might be doing this for the first time. We explain things in plain English, stay on top of the market, and make sure you’re always getting the best possible advice—backed by real wisdom and decades of experience.

Meet Our Lovely Mortgage Brokers

Behind every mortgage we arrange is a team of friendly, hard-working mortgage advisers who go out of their way to help. You won’t find faceless call centres or generic bots here—just real people who genuinely care about helping you find the right mortgage.

Some of us have been in the industry for decades. Others bring fresh energy and ideas. All of us are here because we believe that the right mortgage advice, delivered the right way, can make a huge difference.

Get to know the Delta Mortgages team

Find Mortgage Lenders

Access the most competitive mortgage rates for today—tailored to your income and circumstances.

Speak with Delta Mortgages today. With access to 100+ lenders and over 14,000 mortgage products, we’ll take the time to understand your unique situation and match you with the best possible mortgage deal. Already have a mortgage in principle? No problem—it’s always worth comparing to ensure you're getting the best rate.

Let's Get Started, Shall We?

Explore How Delta Mortgages Can Help

Whatever your plans, we’ve got a lovely mortgage adviser (or three) who’ll help you find the best fit.

First-Time Buyer Mortgages

Buying your first home should be exciting, not a financial obstacle course. We’ll help you navigate the mortgage maze and secure the best rates—without the jargon, the stress, or the “I have no idea what I’m doing” moments.

Remortgaging

If your mortgage deal is ending, now’s the time to switch—or risk being dumped onto your lender’s not-so-fabulous standard variable rate. We’ll help you find a better deal, free up some cash, or even fund that kitchen extension you’ve got your eye on.

Buy-to-Let Mortgages

Whether you're a first-time landlord or building a portfolio, we’ll help you find the best buy-to-let deal—without the admin headache.

Moving Home Mortgages

New home, fresh start, better mortgage. Whether you're upsizing, downsizing or just craving a quieter street, we’ll sort the mortgage so you can focus on where the sofa goes.

Let-to-Buy Mortgages

Want to rent out your current home and buy a new one? Let-to-buy could be the answer. We’ll help you secure both sides of the move.

Self-Employed Mortgages

Being your own boss shouldn't make getting a mortgage harder. We’ll help you find a lender that understands income from dividends, contracts or day rates.

Shared Ownership Mortgages

Buy a share of a home, pay rent on the rest—shared ownership is a great way to get on the ladder with a smaller deposit. We’ll help you figure out if it’s right for you.

Mortgages for Contractors

We package your income properly—so you don’t get penalised just for not having a “normal” salary.

Equity Release (Lifetime Mortgages)

If you’re over 55 and want to access money tied up in your home, equity release might be an option. We’ll guide you through it, clearly and carefully.

Specialist Mortgages

Some situations—and some careers—call for a more tailored approach. From doctors to farmers, teachers to high-net-worth clients, we’ve got it covered.

Specialist Lending

Need something outside the usual? We can help with commercial mortgages, development finance, bridging loans and more.

Protection

Life’s unpredictable. We’ll help protect what matters most—with advice on Life Insurance, Critical Illness Cover and Income Protection.

Commercial Mortgages

Buying or refinancing business premises? A commercial mortgage provides the long-term finance you need to secure, expand, or invest in property for your business. Whether you’re purchasing an office, retail space, or mixed-use property, we’ll help find a lender that understands your business goals.

Property Development Finance

Building from the ground up? Renovating a commercial space? Property development finance provides staged funding for new-builds, refurbishments, and large-scale projects—so you can get started without delays

Bridging Finance and Loans

From first-time buyers to seasoned homeowners, securing the right mortgage should be simple, stress-free, and tailored to you. Whether you’re buying, remortgaging, or investing, we search the whole market to find the best deal—without the jargon or the hassle.

Come On Then, Let’s Get You Moving

You don’t need to have it all figured out. That’s what we’re here for. Whether you’re still browsing Rightmove, already under offer, or just wondering what’s possible, we’re ready to help.

No pressure. No obligation. Just a chat with people who understand mortgages inside out.

Meet the Team That’s Got Your Back

At Delta Mortgages, we combine decades of experience with down-to-earth support that actually helps. No scripts. No waffle. Just lovely mortgage brokers who bring clarity, calm—and a bit of personality—to every step of your journey.

Get to know the people who’ll guide you from start to keys.

Meet the Team

Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.