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
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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.
207 Cardinal Point, Park Road, WD3 1RE, Rickmansworth, United Kingdom
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I cannot recommend Heron Financial highly enough. My partner and I have used their services since purchasing our first home and again when renewing our mortgage, and the experience has been exceptional from start to finish.
We worked with Adrian and Leona, who consistently went above and beyond to deliver outstanding customer service. They are incredibly friendly, highly efficient, and always quick to respond to emails, making the entire process feel smooth and stress-free.
Their knowledge, professionalism, and genuine willingness to support us every step of the way gave us complete confidence throughout. Nothing was ever too much trouble, and their guidance made what can often be a daunting process feel simple and reassuring.
I would wholeheartedly recommend Heron Financial to anyone looking for a mortgage or remortgage. Their expertise, dedication, and personal approach truly set them apart.

Reply from Heron Financial
I'm a very fussy customer when it comes to who I choose to help me with my financial affairs. Heron haven't put a foot wrong in the 10 years I've been dealing with them! Aidan & Neve work really hard to get me fabulous deals, and then process them with an absolute minimal amount of involvement from myself! I wouldn't go anywhere else for a mortgage. And I've recommended them to family & friends who've all been equally happy!

Reply from Heron Financial
I was recommended by a friend to find out more information and as a first time buyer I don't think I could have asked for much more from Heron, especially Kane and Leona. From initial feasibility conversations with Kane, I quickly understood what I could borrow which helped me have a focused search when viewing properties armed with a mortgage in principle. I even had to pull out of a property due to structural concerns following offer acceptance and both reassured me about the process and next steps. Throughout the mortgage approval process, Leona kept me informed and advised on every step which just put me at ease.
Within 2 weeks of having an offer accepted on my new property I had the mortgage approved and was referred to both buildings insurance and income protection. All of this just helped speed up the conveyancing process. Will use again definitely and a big thanks to both!

Reply from Heron Financial
Leona & Kane have been brilliant throughout my mortgage process so far. Providing updates as and when, always available if I have any questions and providing clear answers! My mortgage offer came through relatively quickly.

Reply from Heron Financial
I am a returning customer due to Josh Johnstone who has helped a great deal both times and has been excellent with communication/ customer service. We had Leona assist Josh this time and she also responded to our queries and kept us updated throughout the process. I have no doubt we will be returning customers again when we look to buy in the future. Thank-you for your help!

Reply from Heron Financial
Aidan and Leona were super helpful with any enquires and made the process very smooth.

Reply from Heron Financial
Great support and advice from Dalia and Neve. Friendly, helpful and always available to answer any questions. Highly recommend - great team. Thank you!

Reply from Heron Financial
We recently used this broker company for our first remortgage, and we were very happy with the service received.
From start to finish, the team was incredibly responsive. Every question we had was answered quickly and clearly, which really helped remove any uncertainties we had along the way. As first-time remortgagers, we had a lot of queries, which were answered swiftly.
They were also very accommodating when it came to meetings and communication. Whether it was arranging calls around our schedule or responding promptly to emails, they made the entire process feel smooth and stress-free.
What stood out in particular was their organisation and teamwork. Even when our case manager was on holiday, a backup was assigned almost immediately, ensuring there were no delays and that we always had someone available to help.
Overall, the service was professional, efficient and supportive. We would highly recommend them.

Reply from Heron Financial
I’ve had a great experience working with Leona and Don at Heron Financial.
From the outset, they have been professional, responsive, and proactive throughout the entire mortgage process. Communication has been clear and timely, which has made the process feel much less stressful.
They kept me updated regularly, chased matters when needed, and ensured everything progressed smoothly through to offer. I’ve felt well supported throughout and confident that my application was being handled efficiently.
I would not hesitate to recommend Leona, Don, and the team at Heron Financial to anyone looking for reliable and knowledgeable mortgage advisors.

Reply from Heron Financial
From start to finish Heron were fantastic with us from the initial stages of us filling out our paperwork to then actually applying for our mortgage. Kane was there on the other end of the phone everytime we needed him. When he wasn’t available immediately he would always call back the next opportunity he could. As first time buyers who had no clue what was going on Kane put us at ease and no question was ever a stupid question he answered all promptly. Rachel took over during the underwriting stage and again was brilliant. Unfortunately we had difficulties with our initial potential lender (6 weeks at this stage into the application) but Kane’s quick thinking led us to apply with another lender. At this stage Zara took over and was equally as fantastic and 5 working days later we had our mortgage offer. The relief we had when Zara called me personally to congratulate us will always be a special moment. And to top it all off Heron are FREE!!! Amazing service that’s also free what more can you ask for. We were recommended to use Heron from family members and I will also be recommended them. Thank you Kane, Rachel and Zara.

Reply from Heron Financial
Kane and Zara were very professional and on top their game. They took their time to explain everything to us in simple language to make sure we make the best choice. They were always available to answer all our questions.

Reply from Heron Financial
I cannot recommend Heron enough if you're looking for a new mortgage - Don looked after us from start to finish and was so thorough in explaining the products and our options. He found us a better deal than we could find ourselves and made the process so easy and stress free.

Reply from Heron Financial
Don Scott and colleagues were incredibly helpful. They supported us and gave us the best possible advice. At no point did we feel that we were a commission based client. It was a fantastic service that benefited us positively.

Reply from Heron Financial
First class service from Dalia, Zara and the team. They were all super efficient and responded to all my emails and calls really quickly. We had no issues with any of the paper work thanks to them, the process was much less stressful thanks to them. I would definitely recommend Heron!

Reply from Heron Financial
Me and my partner purchased our first home last year using the services of Heron, in particular Don & Vinal.
Highly recommend to anyone going through the house buying process as they take a big weight off your shoulders

Reply from Heron Financial
Don was able to guide me and my partner through the process of buying our first home. Can’t thank him enough.

Reply from Heron Financial
Writing this review as a follow up to my previous experience with Don at Heron Financial. We have used Heron twice both for a Remortgage and a new purchase.
Each time, we were never left in the dark with how the process was going. When the property we were buying fell through, we were able to move the process over to a new house without any issues.
Thanks again to Don and all the team at Heron

Reply from Heron Financial
Joshua at Heron Financial has been helping me remortgage, having had a good experience with Aimee 5 years ago. This time around, as before, I've found the service very efficient and would recommend them.
I am pleased with the product they recommended. Joshua has been attentive to my every question, and of course, it is a no fee service.

Reply from Heron Financial
Josh has very helpful with our initial mortgage and remortgage. Regularly checking the market to get us the best rate and talk us through the process.

Reply from Heron Financial
Aiden was personably, professional and efficient. Cut through complexity and made everything easy for us,

Reply from Heron Financial
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