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Heron Financial Reviews 

2,321
TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Considering 261 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being incredibly helpful, friendly, and professional throughout the process. Reviewers highlight the service as efficient and professional, making complex processes smooth, easy, and stress-free. Many appreciate the quick response times and clear communication, ensuring they are kept informed and supported at every stage. No significant recurring negative feedback was identified across multiple reviews to indicate a widespread minority sentiment.

What people talk about most

Staff

Clients share positive opinions on staff, frequently highlighting their helpfulness, professionalism, and... See more

Service

Reviewers consistently express satisfaction with the service, highlighting its efficiency, professionalism,... See more

Customer service

People report positive experiences with customer service, highlighting the incredible level of support and... See more

Response time

Customers had positive experiences with response times, consistently reporting prompt and efficient... See more

User experience

Users describe positive interactions with the overall user experience, often highlighting a slick, swift, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Kane, Zara & Travis have all been wonderful! Zara is always on it and very fast at replying, which is amazing! They truly have been fantastic and they managed to get us a much lower mortgage rate than... See more

Company replied

Rated 5 out of 5 stars

A very slick procedure from start to finish. Pointed in the right direction by George then advised by Gary finished off by Zara and new mortgage confirmed by Nationwide before the call was even over.... See more

Company replied

Rated 5 out of 5 stars

Aiden and Chloe take all the stress out of finding and securing a new mortgage. Clear information on choosing a best-fit product, followed with easy instructions to help you gather and load up the cor... See more

Company replied

Rated 5 out of 5 stars

I reserved a new build property at the turn of the year and the developer recommended Heron Financial to me. I’m very glad they did! Dalia was assigned to my case and throughout she was very friendly,... See more

Company replied


Company details

  1. Mortgage Broker
  2. Insurance Agency

About Heron Financial

Written by the company

Fee-free mortgage brokers for the whole of the UK

Heron Financial is a fee-free, whole-of-market mortgage and protection broker based in the UK and certified B Corporation. Heron Financial specialises in mortgages for first-time buyers, self-employed clients, company directors, contractors, and borrowers with complex income such as commission, dividends, or variable earnings.

Our advice is fully fee-free. We manage the entire mortgage process from initial application through to completion, and continue to look after our clients beyond move-in, including future remortgages and protection reviews.

Heron Financial was founded in September 2011 by Matt Coulson. The aim was to build a digital-first mortgage broker that puts education at the heart of every client conversation. We help individuals and families make confident, well-informed decisions about their borrowing, their long-term financial wellbeing, and their environmental impact as a B Corp-certified business.

We specialise in complex cases. Our advisers regularly place mortgages for clients who have been declined by their bank or by other brokers, including self-employed applicants with one year of accounts, contractors paid on a day rate, company directors taking minimal salary plus dividends, and borrowers with variable or commission-based income. We have access to lenders across the high street, specialist, and private bank markets.

In 2026, Heron Financial was named a finalist in two categories at the British Bank Awards: Best Mortgage Broker and Best Ethical Financial Provider. Internally, we built Everglades, our own award-winning digital application system, to make the mortgage process faster and more transparent for clients. It is one of the reasons our clients tell us the process feels noticeably less stressful than going direct to a bank.

Our mission is simple: the right mortgage, without the stress.

If you'd like to find out what you could borrow based on your specific circumstances, use our mortgage calculator or get in touch for a free 15-minute consultation with an adviser.


Contact info

5.0

Excellent

TrustScore 5 out of 5

2K reviews

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5.0

All reviews

(2,321)

254 reviews in the last 12 months

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Rated 5 out of 5 stars

working with Heron Financial

It was an absolute pleasure to work with Zara Arshad and Kane Powell .
Heron Financial are extremely professional, efficient and speedy. I cannot recommend them highly enough. The communications were prompt and I was never left waiting. They guided us through the process and answered our queries, making the process much easier and stress free.
Thank you team!

5 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your kind words and for taking the time to share your experience with Heron Financial. We’re delighted to hear that Zara and Kane made the process feel smooth and efficient!

Rated 5 out of 5 stars

The team at Heron Financial were phenomenal

The team at Heron Financial were phenomenal. Our mortgage advisor Aidan was very efficient in getting us a mortgage offer. He was quick and always ready to answer any question. He explained us the market, and seemed to try to get the best deal to us. Zara made sure to keep us updated and feel at ease while the application was in progress.

Also, Joe from the Protection department is very attentive to find the correct balance of mortgage protection for a given buyer's situation.

Overall good professionals and good people. I would recommend.

14 May 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your wonderful review and for taking the time to share your experience with Heron Financial. We’re delighted to hear that Aidan, Zara, and Joe were all able to support you so well throughout your mortgage and protection journey!

Rated 5 out of 5 stars

I’ve used Aidan and Chloe several times…

I’ve used Aidan and Chloe several times now for my mortgages and I honestly wouldn’t go anywhere else. They are both professional, knowledgeable, responsive, and always make the whole process feel straightforward and stress-free.

No matter how many questions I’ve had, they’ve always taken the time to explain everything clearly and keep me updated throughout. Their advice has consistently been excellent and I’ve always felt like they genuinely had my best interests at heart.

I wouldn’t hesitate to recommend Aidan and Chloe to anyone looking for reliable and trustworthy mortgage advisers. Thanks again for all your help!

10 May 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your continued trust in Heron Financial. It’s fantastic to hear that Aidan and Chloe have consistently provided such knowledgeable advice!

Rated 5 out of 5 stars

Don and Zara have been an absolute…

Don and Zara have been an absolute delight to deal with. They have secured our mortgage and the whole process has been very smooth and easy. I honestly thought it would be much harder than what it has been!! They always have been available for questions and queries and come back very quickly. Extremely professional whilst also friendly. I cannot thank them enough. I will definitely be recommending Heron to others. Thank you so much!

12 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your lovely review. We’re delighted to hear that Don and Zara made the mortgage process feel easy!

Rated 5 out of 5 stars

Callum and Chloe were absolute stars

Callum and Chloe were absolute stars. Our mortgage application was unique however their expertise and guidance assisted us with obtaining the mortgage we needed for our forever home. Thank you!

8 May 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum and Chloe were able to support you so well throughout your mortgage journey!

Rated 5 out of 5 stars

Would just like to say a special…thankyou to Joshua and Chloe

Would just like to say a special thankyou to Joshua and Chloe for sorting out my remortgage they were so helpful and efficient and kept me informed at all times and were able to find me the best deal for my remortgage now I can start planning my new kitchen will definitely be using Heron Financial again

7 May 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Joshua and Chloe were able to support you so well with your remortgage!

Rated 5 out of 5 stars

Mortgage application for moving house

Don and Leona were so helpful. They were knowledgable, responsive, very calm and made the process really simple. They sorted out moving my old mortgage onto a new product whilst the conveyancing process was in going (as it was about to expire) and helped me get a good deal for the new mortgage. I’d definitely use them again and would recommend them to anyone looking for a mortgage broker.

6 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don and Leona were able to support you so well throughout your home move!

Rated 5 out of 5 stars

Fantastic service

Having dealt with Callum and Leona throughout the process of getting my mortgage with Heron, they have been nothing but very helpful, communication was always regular, they kept things simple to deal with, I definitely make the right choice with bringing them onboard to get me to where I needed to be. I can highly recommend Heron, especially Callum and Lenoa. Thank you for all your help.

20 April 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum and Leona were able to support you so well throughout your mortgage journey!

Rated 5 out of 5 stars

I'd Recommend Heron Financial

The Heron Financial Team are lovely. Both Kane and Zara in particular are so helpful, and they are always happy to answer any questions we have as first-time buyers. They sort everything out so quickly for us to avoid any delays, and always provide us with really helpful information. Both are lovely to speak to; they have a wealth of knowledge about the UK housing market and are incredibly efficient.
I'm so glad Heron Financial have supported us through the usually-stressful journey of a property purchase! We would absolutely recommend using Heron Financial's services.

3 May 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Kane and Zara have been able to support you so well as first-time buyers!

Rated 5 out of 5 stars

Highly recommend Heron Financial!

We were recommended Heron Financial by a friend and they have been brilliant throughout the whole process. Our mortgage adviser Callum was friendly, patient and very informative. Callum was also very quick with his response time and always kept us in the loop by updating us on what was happening on his end. Very happy with our experience with Heron Financial and would definitely recommend their services!

10 November 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum was friendly and informative throughout the process!

Rated 5 out of 5 stars

Would like to take this opportunity to…

Would like to take this opportunity to say thank Callum in this matter been an absolute pleasure to deal with and help get over live for me brilliant service and highly recommended going forward to provide info to friends and family for future financials regards j. Phipps

2 May 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum was such a pleasure to deal with and was able to support you so well throughout!

Rated 5 out of 5 stars

Great service and very prompt response…

Great service and very prompt response to any questions or queries. Callum and his assistant were great and I would recommend. Was particularly happy with the deal I was able to get right at the right time !

27 March 2026
Unprompted review
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Reply from Heron Financial

Thanks so much for your kind feedback!

Rated 5 out of 5 stars

Couldn't recommend enough

Heron Financial helped us secure our first mortgage, and I wouldn’t hesitate to recommend them. Callum supported us at every stage of the process—clearly explaining our options, offering practical advice, and always being available to answer our questions. As first-time buyers, we felt quite out of our depth at times, but his responsiveness and ability to explain things in a straightforward way made the whole process feel seamless and easy.

Ailsa also supported us with our insurance and was equally helpful. She took the time to explain everything in detail, worked within our budget without ever pushing us towards something beyond our means, and really understood our situation. She kept us fully informed and on track throughout, which we really appreciated.

Overall, I couldn’t recommend Heron Financial enough.

23 March 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Callum was able to support you so well throughout your first-time buyer mortgage journey, explaining your options clearly and making the process feel far more manageable from start to finish!

Rated 5 out of 5 stars

Heron - Great Brokers

Great brokers who will listen, take into account personal circumstances and find the right offer for you. Specialists in what they do, I can recommend them for anyone trying to buy their first property 👌💯

29 April 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear you found the team so supportive, taking the time to understand your personal circumstances and help find the right mortgage option for you!

Rated 5 out of 5 stars

Great experience with heron financial

Great experience with heron financial , particularly Ailsa Holmes who helped us and managed to answer all questions!

27 April 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear you had such a positive experience with Heron Financial, and especially that Ailsa was able to support you so well and answer all of your questions throughout!

Rated 5 out of 5 stars

Efficient, friendly and free!

Have used Heron now for a number of years since purchasing my first home. The team are always super friendly, helpful, and make navigating the complex world of financial services so much easier (and fee free!!)

24 April 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the years. We’re so pleased to hear the team have consistently been so friendly and helpful!

Rated 5 out of 5 stars

Great Service!

Working with Don and Leona was an outstanding experience from start to finish. They were knowledgeable, patient, and genuinely committed to helping us navigate the mortgage process. Every question we had was answered clearly, and they always made sure I understood our options before moving forward especially for first time buyers!
If you’re looking for a mortgage team that truly cares and delivers exceptional service, Don and Leona are the ones to go to. Highly recommended.

22 April 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don and Leona made your mortgage journey feel clear, supportive and well managed from start to finish!

Rated 4 out of 5 stars

I have used Heron 3 times now for…

I have used Heron 3 times now for mortgages and I am happy with them as a company on the whole. I held off giving 5 stars as I missed out on a good fixed price rate by 1 day by not being informed on the need for company accounts.

17 April 2026
Unprompted review

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