IMA Mortgages & Protection Ltd formerly Independent Mortgage Associates Ltd is an FCA-regulated mortgage broker based in Dacorum, HP1 3AE, specialising in Buy-to-Let, First Time Buyers, Help to Buy and 2 other areas. Rated 5/5 from 37 reviews.
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S.Waton
5 Aug 2025IMA did an incredibly good job, there’s not many companies which you can say they did absolutely everything perfectly well. They worked so swiftly, efficiently and would even call to say that they are going to change our mortgage for the one with the lower rate, as it was getting lower on a daily/weekly basis. I honestly couldn’t recommend a company more!
Jasmine Povey
7 Mar 2025My partner and I used IMA to secure the best mortgage on our first home and life insurance. Ellie and Nay were honestly amazing. They were always there to support us when we had questions and would call to talk us through things. We had a few houses fall through but this did not stop them from making sure we got the best mortgage offer and support with each application. Such personable and lovely people. We are so happy in our new home so thank you both so much! Without you guys, it wouldn’t have been possible😁😁🥰
Dimitar Radev
25 May 2023Working with Independent Mortgage Associates Ltd., specifically with Naomi, was like finding a new friend who just happen to be brilliant at mortgage advice! Naomi's knowledge combined with the warmth and personal touch made us feel comfortable and reassured. I must also mention Hermione's friendly and approachable manner was an absolute joy. They both guided us through the process not once but twice - in 2020 and 2022, and now once more each time providing an impeccable service. Independent Mortgage Associates, with Naomi and Hermione, truly turn the daunting into the doable with a friendly smile. Highly recommended!
Aarron Constable
31 Oct 2022As a first time buyer, the prospect of buying a home is extremely daunting. Naomi and Hermione took on our case and from day 1 were helpful and understanding. No question was too stupid. They supported us through a sale that fell through, which was massively appreciated, And eventually, we bought our first home! It simply wouldn't have been possible without them. IMA came highly recommended and we're so pleased we used them. Professional throughout and always only a call or email away. Absolutely fantastic!
Anna Giddens
25 Aug 2021Independent mortgage associates were so helpful in helping myself and my partner start to buy our first home. We really appreciated Naomi's help and support throughout the process of getting a mortgage in principle and then getting our mortgage approved. As first time buyers having someone who was patient and understanding was really useful! Nicola has also been super at keeping in contact and making sure everything is going smoothly in the next steps of our house purchase which we really appreciate. We really recommend them & I have already suggested to one of my friends that she uses you when she purchases her first home too! Thank you Naomi & Nicola!
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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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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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