Delta Mortgages – Our Story
Delta Mortgages was built around a simple belief: getting a mortgage shouldn’t feel confusing, impersonal or unnecessarily stressful.
Mortgages involve big decisions, unfamiliar language and, quite often, a mountain of paperwork. Behind every application is a person, a family, a business, or a plan for the future.
That’s why we believe good mortgage advice should be about much more than finding a competitive rate.
It should help you feel informed, supported and confident about what happens next.
A Mortgage Journey - How Did We End Up Here?
Delta Mortgages grew from a shared frustration with the way mortgage advice was often delivered.
The industry could feel rigid, overly transactional and too focused on products rather than people. We knew there was a better way: combining strong technical knowledge with genuine relationships, clear communication and support that didn’t disappear once an application had been submitted.
So, we set out to build a mortgage business we could be proud of.
A business where advisers have the freedom and support to give proper advice.
Where clients can ask questions without feeling rushed or judged.
And where doing the right thing matters more than finding the quickest or easiest answer.
That approach still shapes everything we do today.
Hear from happy people
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Luke Atkinson
Managing Director
Luke leads Delta Mortgages with a strong focus on client service, clear advice and building a business people can trust.
He has extensive experience helping clients with a wide range of mortgage needs, including business owners, company directors and those with complex income arrangements, while also overseeing the continued growth and development of the firm.
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Steve Drake
Director of Advisory Services
Steve heads up Delta’s Training & Competence and Compliance functions, alongside advising clients.
He supports Delta’s advisers with complex cases, helps maintain our high standards and ensures clients receive clear, suitable and well-governed advice. His calm, practical approach helps both clients and advisers feel supported when cases are complex or need careful handling.
Meet Delta's Directors
With over 20 years of mortgage industry experience each, our directors bring the expertise, leadership and client-focused approach needed to help Delta Mortgages become one of the UK’s most trusted mortgage advice firms.
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Luke Atkinson
Managing Director
Luke leads Delta Mortgages with a strong focus on client service, clear advice and building a business people can trust.
He has extensive experience helping clients with a wide range of mortgage needs, including business owners, company directors and those with complex income arrangements, while also overseeing the continued growth and development of the firm.
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Steve Drake
Director of Advisory Services
Steve heads up Delta’s Training & Competence and Compliance functions, alongside advising clients.
He supports Delta’s advisers with complex cases, helps maintain our high standards and ensures clients receive clear, suitable and well-governed advice. His calm, practical approach helps both clients and advisers feel supported when cases are complex or need careful handling.
What Makes Delta Mortgages Different?
We’re not interested in turning mortgage advice into a faceless, one-size-fits-all process.
Our advisers take the time to understand your circumstances, what you’re trying to achieve and anything that might make your application less straightforward. We then research the market, explain your options clearly and help you make an informed decision.
No scripts. No waffle. No pressure.
Just straightforward advice from people who know mortgages and genuinely care about getting things right.
Straightforward Support
Mortgage terminology can make a complicated process feel even harder.
We explain your options in plain English, tell you what information is needed and keep you updated as your application progresses. You can ask as many questions as you need to—there’s no such thing as a silly mortgage question.
Advice Built Around You
Two clients buying similar properties can still need completely different mortgage solutions.
Your income, deposit, credit history, future plans and personal priorities all matter. We look at the complete picture before making a recommendation, rather than trying to fit you into a standard box.
Support From Start to Finish
Our involvement doesn’t end when we recommend a mortgage.
We help prepare and submit your application, deal with lender queries and work alongside the other professionals involved in your transaction. We’ll keep you informed through to mortgage offer and completion, and we’ll be here when it’s time to review your mortgage again.
Experience With Complex Cases
Not every mortgage application is straightforward—and that doesn’t necessarily mean it can’t be done.
Our team regularly helps clients with self-employed income, company structures, contract work, credit problems, multiple properties, specialist property types and other circumstances that may not suit a typical high-street application.
Where there’s a solution, we’ll work hard to find it. Where something isn’t achievable yet, we’ll explain why and help you understand what may need to change.
Independent, Whole-of-Market Advice
We’re not tied to one bank or building society.
As whole-of-market mortgage brokers, we can research a wide range of lenders and products before making a recommendation. Our advice is based on your circumstances and objectives—not on what is easiest for a particular lender.
Need help switching deals down the line? We’ll be in touch before your lender is.
What We Stand For
Our values aren’t a collection of words written for a website. They influence how we speak to clients, how we support our team and how we make decisions.
CURIOSITY
We start by listening.
We want to understand more than your income and the price of the property. We’ll ask about your plans, priorities and concerns so that the advice we provide reflects what actually matters to you.
EMPATHY
Mortgages often come at significant moments in people’s lives.
You might be excited about buying your first home, worried about a change in your finances, dealing with a separation, or trying to make a complicated property plan work.
Whatever your circumstances, we’ll listen without judgement and help you understand your options.
Integrity
We’ll always aim to do the right thing.
That means being honest when something may not work, explaining the advantages and disadvantages of your options and never cutting corners simply to get an application submitted.
Trust matters to us, and we know it has to be earned.
Passion
We genuinely enjoy helping people move forward.
That could mean securing a first mortgage, helping a family move home, refinancing a property portfolio or finding a solution for a case that another lender or broker has struggled with.
For us, the best part is seeing those plans become possible.
Expertise
We work with mortgages every day.
Our advisers combine experience, ongoing training and current lender knowledge to help clients navigate an ever-changing market. We take the technical detail seriously—but we explain it in a way that makes sense.
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More Than Just the Directors
Luke and Steve lead Delta Mortgages, but the business is powered by the wider team behind them.
Our mortgage and protection advisers bring experience across first-time buyer mortgages, home moves, remortgaging, buy-to-let, complex income, specialist lending, commercial finance, bridging finance and later-life lending.
They’re supported by administrators, compliance specialists and operational staff who help keep applications moving and maintain the high standards our clients expect.
Different personalities. Different areas of expertise. One shared commitment to doing the best possible job for every client.
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.
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.
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.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.
Mortgages made simple. Advice made personal. People who actually care.
Simple, plain-English mortgage explanations
Access to over 14,000 mortgage products
Free initial, no-obligation meeting
Zero impact on your credit score
Get started here
Here When You Need Us
Whether you’re buying your first home, moving, remortgaging, investing in property or simply trying to understand what might be possible, we’re here to help.
You don’t need to know which lender you need or have everything worked out before speaking to us. That’s our job.
Come to us with your plans, your questions and even the slightly complicated bits.
We’ll help you make sense of them.