Philip Wharfe
30 Dec 2025Fantastic service from James and Laura securing the equity release mortgage for us. It was a pleasure to meet James who went over and beyond to help us. A brilliant professional company to deal with.
Wareham Financial Services is an FCA-regulated mortgage broker based in North Hertfordshire, SG5 1HP, specialising in Buy-to-Let, Commercial, First Time Buyers and 2 other areas. Rated 5/5 from 9 reviews.
Unverified profile
Verification is pending.

Meet our experienced team of mortgage professionals
Philip Wharfe
30 Dec 2025Fantastic service from James and Laura securing the equity release mortgage for us. It was a pleasure to meet James who went over and beyond to help us. A brilliant professional company to deal with.
Carole Sender
30 Nov 2025James and Laura recently organised an equity release mortgage on my property. I received an excellent service and Im very pleased. I would definately recommend them to others.
Sam A
1 Oct 2025Came by reliable recommendation and provided a transparent, friendly service that was accessible to us as total newbies to the property world. Made us feel at ease and confident in our purchase, whilst getting us a competitive offer first time.
Kevin Fleckney
29 Jul 2025I was very pleased with James and the team; they made equity release very painless and easy. After my initial meeting with James and answering a few questions, I really didn't have to do anything else. The legal team James recommended kept me informed all along the way. Thank you James I highly recommend Wareham financial services.
Glen Davies
18 Jun 2025I’ve been (very much) helped out by Wareham Financial Services for many years now. James and Laura are both warm, welcoming and very professional. If, like me, you get lost in the maze of mortgage and financial terminology then these guys are for you. Always clear, always succinct and you WILL get the best result possible. Standing ovation 👏🏻.
No memberships listed.
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.

Hertfordshire, East of England
Addlife Financial LTD is a mortgage broker based in Hertfordshire, East of England.

Trafford, north-west
JF Financial Solutions is a mortgage broker based in Trafford, north-west.

Enfield, london
Winwell Financial Consultancy is a mortgage broker based in Enfield, london.

Wandsworth, london
Oportfolio Mortgage Brokers is a mortgage broker based in Wandsworth, london.
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.
Social Media
Follow Wareham Financial Services on social media for updates and insights.