PHLS Mortgage Services Limited
Mortgage Brokers
PHLS Mortgage Services Limited
26 Greensleeves Rd, Gillingham
# PHLS Mortgage Services Limited
PHLS Mortgage Services Limited is an independent mortgage brokerage based in Gillingham, Kent, serving clients across the region including Maidstone. With over 20 years of experience, the firm specialises in securing mortgages for diverse circumstances and financial situations.
The business works with first-time buyers, home movers, landlords, and individuals with complex requirements such as adverse credit histories, self-builders, and CIS workers. They access over 90 UK lenders, providing clients with competitive product recommendations tailored to individual needs rather than pushing a single lender's products.
What distinguishes PHLS is their commitment to personalised service combined with flexibility in how they engage. Rather than forcing clients into rigid office appointments, they offer consultations via face-to-face meetings, home or workplace visits, video calls, or telephone conversations. This accessibility recognises that mortgage hunting shouldn't add to already busy lives.
Beyond initial mortgage arrangement, PHLS provides ongoing support throughout the mortgage term, including renewal advice, additional borrowing assistance, and protection products such as life and critical illness cover. They position themselves as long-term partners rather than transactional advisors.
The firm challenges the outdated approach of applying directly to lenders, highlighting that brokers streamline the process, save time, and identify solutions individuals might not find independently. Their three-step process—initial consultation, affordability assessment with product recommendation, and full application support—aims to demystify mortgage acquisition and reduce associated stress.
PHLS Mortgage Services Limited is an independent mortgage brokerage based in Gillingham, Kent, serving clients across the region including Maidstone. With over 20 years of experience, the firm specialises in securing mortgages for diverse circumstances and financial situations.
The business works with first-time buyers, home movers, landlords, and individuals with complex requirements such as adverse credit histories, self-builders, and CIS workers. They access over 90 UK lenders, providing clients with competitive product recommendations tailored to individual needs rather than pushing a single lender's products.
What distinguishes PHLS is their commitment to personalised service combined with flexibility in how they engage. Rather than forcing clients into rigid office appointments, they offer consultations via face-to-face meetings, home or workplace visits, video calls, or telephone conversations. This accessibility recognises that mortgage hunting shouldn't add to already busy lives.
Beyond initial mortgage arrangement, PHLS provides ongoing support throughout the mortgage term, including renewal advice, additional borrowing assistance, and protection products such as life and critical illness cover. They position themselves as long-term partners rather than transactional advisors.
The firm challenges the outdated approach of applying directly to lenders, highlighting that brokers streamline the process, save time, and identify solutions individuals might not find independently. Their three-step process—initial consultation, affordability assessment with product recommendation, and full application support—aims to demystify mortgage acquisition and reduce associated stress.
Services offered
First-time buyer mortgagesHome mover mortgagesBuy-to-let mortgagesAdverse credit mortgagesShared ownership mortgagesCIS worker mortgagesSelf-build mortgagesMortgage renewal and protection products