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Heron Financial Reviews 

2,325
TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Considering 269 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the professional, helpful, and friendly staff, who often go above and beyond to assist. The exceptional service and efficient processes are frequently highlighted, making complex tasks feel seamless and easy. Reviewers appreciate quick response times and clear communication, keeping them well-informed throughout their journey. Consumers value the staff's extensive knowledge and expertise, providing valuable advice and finding optimal solutions. Many feel supported and at ease, noting the personalized approach and dedication to their specific circumstances. This positive user experience leads many to highly recommend the company and use their services repeatedly.

What people talk about most

Staff

Consumers find staff to be positive, consistently describing them as friendly, professional, and dedicated.... See more

Service

Reviewers mention positive feedback about service, consistently highlighting the professionalism, efficiency,... See more

Customer service

Users describe positive interactions with customer service, highlighting the helpfulness and responsiveness... See more

Response time

Customers consistently note positive experiences with response times, highlighting the promptness and... See more

User experience

Customers had positive experiences with the user experience, describing the entire process as smooth,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I was recommended to Aidan at Heron Financial by a friend. My wife and I wanted a mortgage but we're in our 50s and towards the back end of our working life. Aidan listened to our situation and... See more

Company replied

Rated 5 out of 5 stars

Aiden has been absolutely wonderful and attentive from the first time we met with him. It can be really overwhelming buying a house and understanding how it all works, and as first-time buyers Aiden h... See more

Company replied

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


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

(2,325)

257 reviews in the last 12 months

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Rated 5 out of 5 stars

Writing this review as a follow up to…

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

31 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for taking the time to leave this follow-up review. We’re so pleased to hear Don and the team were able to support you through both your remortgage and your new purchase, while keeping you fully informed throughout!

Rated 5 out of 5 stars

Joshua and Heron Financial very much recommended from my experience

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.

29 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Joshua was able to support you with your remortgage and provide the same efficient service you experienced previously with Aimee!

Rated 5 out of 5 stars

Josh has very helpful with our initial…

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.

13 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Josh has been able to support you with both your initial mortgage and your remortgage!

Rated 5 out of 5 stars

Professional and efficient

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

1 October 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan provided such personable, professional and efficient support throughout!

Rated 5 out of 5 stars

Very professional service

Very professional service providing targeted and accurate financial advice.

29 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you found the service professional and the financial advice clear!

Rated 5 out of 5 stars

Aidan and Leona recently helped us with…

Aidan and Leona recently helped us with the remortgage process as our current mortgage deal was reaching the end of a five year deal. They went through all the information in detail before presenting us with different options. They prioritised looking at a deal which fitted with our needs/wants such as duration and cost and making sure the product was affordable for us. Once they confirmed the best deal available the application was submitted swiftly with an offer coming back within 24 hours. They made the process easy and seamless. Thank you so much for being so professional and helpful in what can be a stressful process. Highly recommend the team at Heron!

12 January 2026
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Aidan and Leona were able to support you so well as your five-year mortgage deal came to an end, taking the time to explain everything clearly and present options that suited your needs!

Rated 5 out of 5 stars

I always use this company

I always use this company. such useful service with brilliant people.

28 January 2026
Unprompted review
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Reply from Heron Financial

Thank you for your continued trust and support. We’re so pleased to hear you always choose Heron Financial!

Rated 5 out of 5 stars

We've had a brilliant experience with…

We've had a brilliant experience with Heron Financial in dealing with our re-mortgage. We had a slightly bumpy initial route to our first mortgage with another mortgage broker and this has been so easy in comparison! Really knowledgeable and super helpful, Aidan and Leona have been communicative and informative every step of the way - we've actually enjoyed the process this time round! Would highly recommend!

28 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan and Leona were able to make your remortgage experience feel so much easier and more positive this time around!

Rated 5 out of 5 stars

Aidan and Leona | Wonderful Experience

We're halfway through our remortgage process, and Aidan and Leona have been incredibly helpful throughout, and we couldn't have asked for anything more. They've guided us through the process, kept us up to date, and have always been there to provide answers when we've needed them. It's been lovely having them help us along in this process.

28 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan and Leona have been so helpful throughout your remortgage process so far!

Rated 5 out of 5 stars

I worked with both Zara Arshad and Kane…

I worked with both Zara Arshad and Kane Powel and they were both amazing! Always looking out for my best interest, very knowledgeable, and most importantly in this area of work, very responsive and helpful for any query I had!

27 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Zara and Kane provided such knowledgeable and helpful support throughout!

Rated 5 out of 5 stars

This is my 4th time working with Heron…

This is my 4th time working with Heron and looking forward to many more. Always top notch, always responsive, works in the favour of the client, very friendly and forthcoming.

26 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your continued trust and support. We’re so pleased to hear this is your fourth time working with Heron Financial, and it means a great deal to know you’ve consistently found the service responsive and friendly!

Rated 5 out of 5 stars

Really happy with the Heron team!

Recently used Heron Financial to sort our mortgage for us, and are super happy with the service we received! We started with Aimee who spent lots of time with us on the phone giving us advice, and a follow up call to look at potential rates and estimates of what we would be paying each month. She answered all questions we threw at her really clearly and took the time to explain things properly. Once we had decided to go ahead, Kane and Zara were then equally helpful at sorting everything out that we would need to get the mortgage process going, all the documents etc. They kept us well informed at all times via phone and email which we appreciated. They were very patient with us even when we decided to put a third application in which delayed the whole process a bit. Ultimately we have ended up with a successful mortgage application and we are fully clued up on all the questions we had, thanks to the team at Heron. We would definitely recommend. Thanks team!

14 July 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Aimee, Kane and Zara were able to support you so well throughout your mortgage journey!

Rated 5 out of 5 stars

Always of great service and put Thier…

Always of great service and put Thier customers first interest first! Always find the best outcomes!

22 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you’ve found the service consistently helpful and customer focused!

Rated 5 out of 5 stars

Kept me updated at all times

Kept me updated at all times.
Made it easy an comfortable for a first time buyer.

21 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you felt kept updated throughout the process!

Rated 5 out of 5 stars

Efficient and supportive service

Brennan, Zara and Vinal have all been hugely supportive throughout my mortgage application process - I have felt informed, been kept up-to-date, and communicated with efficiently at all times. They have been understanding to and ensured my needs were met.

13 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Brennan, Zara and Vinal provided such supportive and efficient guidance throughout your mortgage application!

Rated 5 out of 5 stars

Excellent service from start to finish

I’ve had a great experience working with Heron Financial, particularly with Dalia and Rachel. Communication has been clear and they’ve taken the time to explain everything in a way that’s easy to understand.

I wouldn’t hesitate to recommend them to anyone looking for reliable and knowledgeable mortgage advice.

9 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Dalia and Rachel provided such clear and helpful support throughout your experience!

Rated 3 out of 5 stars

Deleting my account today

Update: Received a call from Heron to followup on this issue, which is appreciated, but it can't change what happened.

Deleting my account today. I had to get a mortgage with them and ended up on a worse deal then ideal because adviser went on holiday without updating my deal or assigning someone else.

Their online portal is useless because it doesn't properly adjust for prepayments. I can't event update remaining mortgage value manually. So the alerts for better deal are useless for me.

There are tons of online calculators that work much better.

9 January 2026
Unprompted review
Rated 5 out of 5 stars

We were helped by Zara and Kane who…

We were helped by Zara and Kane who were very professional and helped us through every step. Would definitely use and recommend their services to everyone.

4 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Zara and Kane were able to support you professionally and guide you through every step of the process!

Rated 5 out of 5 stars

Dalia & Robyn are extremely helpful…

Dalia & Robyn are extremely helpful finding me the best deals with plenty of time to still switch if a better one comes along. Great service from both parts once again.

5 January 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review and for choosing Heron Financial again. We’re so pleased to hear Dalia and Robyn have once again provided such helpful support!

Rated 5 out of 5 stars

It was great working with Heron on the…

It was great working with Heron on the purchase, and the offer was issued quickly. Thank you

8 December 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you had a great experience working with Heron!

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