Mansfield Begbie Associates Ltd
Mortgage Brokers
Mansfield Begbie Associates Ltd
36 Holmbrook Ave, Luton
# Mansfield Begbie Associates Ltd
Mansfield Begbie Associates Ltd, trading as The Mortgage Shop, is a mortgage brokerage and insurance advisory firm based in Luton with 38 years of market experience. They specialise in sourcing mortgages and protection products tailored to individual client circumstances rather than offering one-size-fits-all solutions.
The firm serves a broad spectrum of property buyers and owners: first-time buyers seeking their initial mortgage, homeowners remortgaging for better rates, those relocating, buy-to-let investors, clients in later life considering equity release, and self-builders financing bespoke properties. Their approach centres on listening to client needs before recommending solutions from a panel of established lenders and insurers.
What distinguishes them is their comprehensive service model. Beyond mortgage arrangement, they handle all paperwork and provide Decision in Principle documentation at no charge. Their broker fee, if applicable, caps at £450. Critically, they bundle protection advice into their service—offering life assurance, critical illness cover, income protection, and buildings/contents insurance recommendations—with complimentary annual reviews as circumstances change. This integrated approach recognises that mortgages represent clients' largest financial commitment and must be protected accordingly.
Their transparent communication style—epitomised by their "You Talk - We Listen" philosophy—reflects a commitment to understanding individual situations before advising. This consultative approach, combined with their mortgage calculator assessments enabling clients to establish affordable price ranges before house hunting, positions them as advisers rather than product pushers.
Mansfield Begbie Associates Ltd, trading as The Mortgage Shop, is a mortgage brokerage and insurance advisory firm based in Luton with 38 years of market experience. They specialise in sourcing mortgages and protection products tailored to individual client circumstances rather than offering one-size-fits-all solutions.
The firm serves a broad spectrum of property buyers and owners: first-time buyers seeking their initial mortgage, homeowners remortgaging for better rates, those relocating, buy-to-let investors, clients in later life considering equity release, and self-builders financing bespoke properties. Their approach centres on listening to client needs before recommending solutions from a panel of established lenders and insurers.
What distinguishes them is their comprehensive service model. Beyond mortgage arrangement, they handle all paperwork and provide Decision in Principle documentation at no charge. Their broker fee, if applicable, caps at £450. Critically, they bundle protection advice into their service—offering life assurance, critical illness cover, income protection, and buildings/contents insurance recommendations—with complimentary annual reviews as circumstances change. This integrated approach recognises that mortgages represent clients' largest financial commitment and must be protected accordingly.
Their transparent communication style—epitomised by their "You Talk - We Listen" philosophy—reflects a commitment to understanding individual situations before advising. This consultative approach, combined with their mortgage calculator assessments enabling clients to establish affordable price ranges before house hunting, positions them as advisers rather than product pushers.
Services offered
First-time buyer mortgagesRemortgage arrangementsMoving home mortgagesBuy-to-let mortgagesLater life lendingSelf-build mortgagesLife assurance and critical illness coverBuildings and contents insurance