My Ideal Mortgage Limited

My Ideal Mortgage Limited - Thurrock Broker | 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 My Ideal Mortgage Limited

At My Ideal Mortgage Limited, located in South Ockendon, I specialise in navigating the complexities of the mortgage landscape to help clients achieve their property aspirations. With a firm understanding of the local market, I focus on several key areas, including Buy-to-Let properties, first-time buyers, Help to Buy schemes, remortgaging, residential mortgages, and self-build projects. When working with first-time buyers, I guide clients through every stage of the process, ensuring they understand their options and the necessary steps to secure their first home. I provide clear explanations and support, making the journey less daunting and more approachable. For those interested in Buy-to-Let properties, I offer insights into the investment potential of various areas, helping clients identify the right property to meet their financial goals. I understand the importance of cash flow and yield, and I work diligently to ensure that my clients make informed decisions that align with their investment strategies. Navigating remortgages can be overwhelming, but I simplify this process by assessing existing mortgage terms and identifying opportunities for savings or improved conditions. I help clients understand when it might be beneficial to remortgage and guide them through the paperwork and negotiations. The Help to Buy scheme has opened doors for many aspiring homeowners, and I ensure that clients are fully aware of the eligibility requirements and how to make the most of this initiative. My role is to clarify the process and provide support in securing the ideal home with the help of government schemes. For those with unique aspirations, such as building their own homes, I offer expertise in self-build mortgages. I assist clients in understanding the specific funding options available and the key milestones involved in turning their vision into reality. Throughout every interaction, my focus is on clarity and support.

Specialisations

Buy-to-LetSelf Build

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(381 reviews)

Viktoria Stoyanova

5 Mar 2026

We had an outstanding experience with our mortgage advisor, Terry McCarthy. From start to finish, Terry was professional, knowledgeable, and incredibly supportive. He took the time to explain every step of the process clearly and made what could have been a stressful experience feel smooth and manageable. Terry was always available to answer our questions, kept us updated throughout, and worked tirelessly to secure the best possible mortgage deal for us. His attention to detail, honest advice, and genuine care for our situation really stood out. We couldn’t be happier with the service we received and would highly recommend Terry to anyone looking for a reliable and trustworthy mortgage advisor.

Ku Mu

4 Mar 2026

Terry was honestly brilliant from start to finish. He talked me through everything in plain English, gave proper, honest advice, and kept checking in with updates so I never felt left in the dark. What could’ve been a really stressful process ended up feeling so much easier because he was on it the whole time. I genuinely don’t think I could’ve done it without him. I’ll be recommending Terry to anyone and everyone!, and if you’re reading this and even thinking about getting a mortgage (or no idea where to start), do yourself a favour and speak to him at My Ideal Mortgage. You won’t regret it. P.s again thank you very much!

Arjan Shqypi

27 Feb 2026

We had a great experience with our mortgage advisor from start to finish. Professional, responsive, and genuinely supportive throughout the whole process. They explained everything clearly, kept us updated at every stage, and made what could have been a stressful situation feel smooth and manageable. We felt confident and well-advised the entire time. Highly recommend to anyone looking for reliable and efficient mortgage support.

Vicky Nash

21 Dec 2025

Terry was fantastic from start to finish. He secured my new mortgage and took care of the whole process — which isn’t easy when you’re starting over. Communication was excellent throughout, with regular updates, especially when interest rates changed. He also gave really helpful advice when I was negotiating the purchase of the property, which I really appreciated. Terry was always clear, supportive, and easy to deal with. I couldn’t fault the service and would highly recommend him.

Melissa H

4 Dec 2025

Brilliant every time, recommend without hesitation. We’ve used Terry for years now. He was recommended by a friend and we are so glad we went with him. Terry makes everything really straight forward and simple. We don’t have to worry about a thing. Terry speaks to all parties on your behalf which is so vital in a world where “life admin” can consume hours of your time. Terry always replies quickly to queries and nothing is too much trouble. He’s always happy to explain things in “simple” terms and has a great knowledge of the industry - which we don’t so grateful for this! Thank you so much again for finding us another great deal. We will be back in touch in 2 years!