Xchange Mortgages Ltd is an FCA-regulated mortgage broker based in Amber Valley, DE56 0HY, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 74 reviews.
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Meet our experienced team of mortgage professionals
Sharna Lindsay
26 Feb 2026JAMES is incredible. If you're looking for a mortgage broker who actually knows their stuff, look no further. James has been incredible from start to finish. His expertise is evident, but it’s his communication that really sets him apart for me. He is consistently accessible and proactive, making a complex process feel easy. 5 stars!
Ana Catarina Magalhães
22 Jan 2026Matthew has been our mortgage advisor in two different occasions already and we couldn’t be happier with the service provided. Not only an extremely knowledgeable person but very keen to help even when the subject is not entirely within is line of work. Always answered emails, messages and phone calls very promptly and kept us in the loop of the process throughout. We will continue using Xchange mortgages because nowadays is very hard to find people like Matthew, someone who really cares about the people is working with. 100 starts for the great service provided. Ana & Alin.
Bradley Billings
28 Nov 2025Excellent service from Matthew. Prompt responses to queries, very knowledgable and always happy to answer any questions I had. As a first time buyer, I had no understanding of mortgages or of the house buying process. The advice I was provided helped set everything straight and put my mind at ease. Very surprised to receive such a service with no fees (hidden or otherwise.) Will certainly be returning when it comes to remortgaging!
Gav Heer
17 Nov 2025Used Xchange Mortgages for my first time house purchase and has been a great and seamless experience. Matthew who handled my case was brilliant at explaining things for me making this process as easy as possible. In addition to the mortgage, helped me with additional services that would have been beneficial to my specific situation to benefit me in the long term taking the time to explain them thoroughly. Could not recommend enough
Victoria Crooks
27 Aug 2025We were recommend to xchange mortgages Ltd by a friend who had used them before. She had told me how easy they had made it for her when buying a house. We had a fantastic service from James from start to finish. He made buying our house so much easier and stress free. Finding us the best deal, updating us to the best rates. As well as helping us find insurance at the best price. I cannot recommend James enough. Thank you so much for all your hard work. And for making it so easy for us. We really appreciate it.
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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