Finesse Mortgage Services

Finesse Mortgage Services - Mortgage Advice Luton | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Finesse Mortgage Services

At Finesse Mortgage Services, I’m passionate about making the mortgage process as straightforward and efficient as possible for my clients. Located in the heart of Luton, I specialise in various mortgage avenues, including Buy-to-Let, First Time Buyers, Remortgages, and Residential mortgages. My aim is to empower clients with the knowledge and support they need to navigate the complexities of securing a mortgage. When working with first-time buyers, I focus on demystifying the entire process. I understand that entering the property market can feel overwhelming, so I take the time to explain each step clearly, from understanding credit scores to selecting the right mortgage product. My goal is to ensure you feel confident and informed as you make one of the most significant financial decisions of your life. For those exploring Buy-to-Let opportunities, I provide insights into the current rental market landscape. Evaluating potential yields and understanding the implications of various mortgage types are crucial for making informed decisions. I can help you identify the right strategy to grow your property portfolio effectively. Remortgaging can often be a strategic move to release equity or secure a better rate. I guide clients through the intricacies of this process, ensuring that you understand the potential benefits and any implications involved. Whether you’re looking to switch providers or reassess your financial commitments, I am here to streamline the remortgaging journey. With a focus on residential mortgages, I take the time to understand your unique circumstances. Whether you’re moving home or simply looking to secure a more favourable mortgage arrangement, I will explore all options to ensure you achieve your objectives. Throughout your journey, I prioritise clear communication and transparency. I believe that understanding your mortgage options should never feel like a chore.

Specialisations

Buy-to-Let

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(49 reviews)

Abbie Mattingley

5 Feb 2026

Sophie & 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 2026

It 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 2026

If 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 2026

I 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 2026

Thank 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!