# Haven Mortgage Solutions

Haven Mortgage Solutions is a specialist whole-of-market mortgage and insurance broker based in Horsham, West Sussex, operating under Gema Davidson-Fernandez. The business caters to UK homebuyers, property investors and those seeking to refinance, offering independent advice across the full spectrum of mortgage products and protection insurance.

The company distinguishes itself through its focus on complex cases and tailored solutions. Rather than directing clients towards limited options, Haven provides comprehensive market assessment to identify the most suitable mortgage for each individual's circumstances. This includes first-time buyer mortgages, residential and complex residential mortgages, buy-to-let portfolios, and bridging finance. The business also advises on life insurance, critical illness cover and other protective products.

What sets Haven apart is its commitment to understanding each client's financial situation thoroughly. The credit assessment service goes beyond basic eligibility checking—the team analyses factors affecting mortgage approval and works to maximise borrowing potential through detailed affordability analysis. This approach proves particularly valuable for clients with non-standard profiles or complex financial situations.

Haven operates flexibly, offering telephone and video appointments around their published office hours, removing barriers to professional advice. Their transparent charging structure—free initial advice with an administration fee only upon mortgage application—reflects confidence in their service quality.