Finesse Mortgage Services is an FCA-regulated mortgage broker based in Central Bedfordshire, LU1 4FU, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 42 reviews.
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Meet our experienced team of mortgage professionals
Abbie Mattingley
5 Feb 2026Sophie & Nikki oversaw my mortgage for my first house purchase and the process couldn’t have been smoother. As a first time buyer I had no idea about how to go about getting a mortgage or the paperwork required however, they talked me through everything in a way that was easy to understand, and took all the stress out of the mortgage process. Would highly recommend and will be using Finesse again when it comes to remortgaging and buying future properties.
Emma Byrne
27 Jan 2026It was my first time remortgaging and a friend recommended Nikki at Finesse Mortgage Services. Nikki was so friendly and made the process very simple. Nikki guided me through the whole process, explained my options clearly and she managed to secure my new mortgage within a few days. I’m a very happy client and will definitely contact Nikki again when I remortgage in the future.
Adam Faiers
23 Jan 2026If you need a mortgage, Finesse Mortgage Services are superb. Don't even read this review, seriously - just contact Nikki and her team. In the time it's going to take you to read this review, they will have understood your requirements, looked at the options, and presented you with the solution that will suit you. (alright, maybe not that quick but it's still quick) Brilliant, excellent service. Nikki has helped us a few times now and every time, I'm just amazed and how helpful her and team are. Just do yourself a favour and take the stress out of house buying and lending, use Finesse.
Brijen Sheth
22 Jan 2026I had a great experience with Nikki Osborne at Finesse Mortgage Services. She helped me get my first mortgage in 2024 and made the whole process really easy and stress-free. She explained everything clearly and was always happy to answer my questions. Nikki has also recently helped me with my remortgage, and again the service was excellent. She is friendly, professional, and always quick to reply. I would highly recommend Nikki Osborne and Finesse Mortgage Services to anyone looking for a mortgage adviser.
Ciaran
13 Jan 2026Thank you to Finesse Mortgages. Sophie and Nikki went above and beyond when helping Laura and I set up our first mortgage together. They are very knowledgeable and give professional advice. Any questions asked were always answered very prompt and professionally. We would highly recommend Sophie and Nikki to anybody. Thank you again for helping us purchase our first home!
No memberships listed.
Regulatory Status
Direct Authorisation
FCA Number
604531Practical 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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