Lloyd Maunder
18 Feb 2026Tom and Stella dealt with my case and went above and beyond for myself and my partner. Very quick in responding and made the whole process a lot easier for us. Will definitely be using Tom and Stella in the future.
Tom Garvie Mortgage Services Hinckley is an FCA-regulated mortgage broker based in Hinckley and Bosworth, LE10 1QU, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 120 reviews.
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Lloyd Maunder
18 Feb 2026Tom and Stella dealt with my case and went above and beyond for myself and my partner. Very quick in responding and made the whole process a lot easier for us. Will definitely be using Tom and Stella in the future.
Tony
15 Dec 2025Working with Tom and Stella to help me and my son secure our first mortgage was a great experience. They were a huge help from start to finish, with excellent communication throughout the whole process. We would thoroughly recommend them. If there were more than five stars, we’d happily give a few more. Thanks to you both!
Amey Kamat
7 Aug 2025I had an outstanding experience working with Warren as my mortgage advisor. From the very first conversation, he was professional, knowledgeable, and incredibly supportive throughout the entire process. Warren took the time to understand my needs, explained everything clearly, and made what could have been a stressful journey feel smooth and manageable. What really sets him apart is his proactive approach—he always checks to see if rates have improved since the application was prepared, ensuring I get the best possible deal.
Md Abdul Gonny
1 May 2025Really great experience working with Tom Garvie. I was referred to them by Up Estates. Warren was really helpful and reassuring, maintained communication very well throughout and most importantly did the job very very quickly and efficiently. Leah was quick responding and updated us regularly. Definitely recommended and will recommend to friends and family.
Julie Kendall
8 Dec 2024Alan Cooper Estate Agents recommended Tom Garvie to help us mortgage our new home. Right from day 1, I felt that we were in good hands with Tom and Stella. I can remember calling after 6pm one night thinking it would go to messages but no, Tom answered and even though he was on a walk, still took the time to speak with me. The mortgage was sorted so quickly and when the chain broke and the offer expired , within days a new offer was through. Stella emailed often throughout the whole process checking that all was ok. Excellent service. Thank you both.
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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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