TORC24 is an FCA-regulated mortgage broker based in Dacorum, HP4 3EY, specialising in Buy-to-Let, First Time Buyers, Help to Buy and 2 other areas. Rated 4.2/5 from 178 reviews.
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Meet our experienced team of mortgage professionals
Blessed Moyo
5 Mar 2026As a first‑time buyer, I couldn’t have asked for a better mortgage broker. Aaron was very kind, helpful, and really took the time to walk me through the process. Any questions I had were answered clearly, and I never felt left in the dark. I genuinely appreciate their support — 5 stars from me!
Lewis
18 Feb 2026Great experience with Aaron from start to finish. Very informative on our meeting over teams and he managed to secure us a mortgage that was even better than we thought we could get. He took the time to explain everything clearly and answered all our questions. Highly recommend!
Marco Valentino
17 Feb 2026We had a fantastic experience working with our mortgage advisor Aaron. He was incredibly helpful and always available to answer our questions, no matter how small. His advice was spot-on, and he took the time to ensure we fully understood every step of the mortgage process. Highly recommended! Thank you
Sita Patel
5 Feb 2026My partner & I fell in love with a new build property and through the developer we were referred to have an initial affordability conversation with TORC24. We spoke with a lovely chap called Joe Whaling and his customer service throughout our call was impeccable. He took time to ask us vital questions, discuss any questions or issues we had and promptly sent a confirmation email to the development team once we had finished. If it weren’t for Joe we wouldn’t have been successful in securing our next home! So thank you Joe for all your help
Katie Mark
4 Feb 2026had Aaron as my mortgage advisor and he was great. He was friendly extremely knowledgeable and made what could've been quite a daunting process easy. He walked me through and explained different options and was on hand to answer my many question. Torc24 followed up throughout my buying process. Would highly reccomend.
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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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