Spencer & Co Mortgage Specialists

Spencer & Co Mortgage Specialists | 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 Spencer & Co Mortgage Specialists

At Spencer & Co Mortgage Specialists, we focus exclusively on residential mortgages, ensuring that our clients receive expert guidance tailored to their unique circumstances. Nestled in the heart of Milton Keynes, I take pride in offering comprehensive support throughout the mortgage process. From first-time buyers to those looking to remortgage, I leverage in-depth market knowledge to navigate the complexities of securing a mortgage in today's ever-evolving landscape. Understanding that each client's situation is distinct, I conduct thorough assessments to identify the most suitable mortgage options available. My approach is straightforward: I break down the jargon and complexities, making it easier for clients to understand their choices. Whether you're uncertain about affordability, the implications of different mortgage types, or how to enhance your credit score, I provide clear, actionable advice. The mortgage application process can often feel overwhelming, which is why I prioritise clarity and communication at every step. I guide my clients through paperwork, ensuring that they know what to expect. By keeping them informed, I help reduce the stress that often accompanies such important financial decisions. I maintain strong relationships with a wide range of lenders, which allows me to access a variety of mortgage products. This network enables me to explore options that might not be readily apparent, ensuring clients benefit from a comprehensive view of the market. My commitment to my clients goes beyond just finding the right mortgage. I’m here to support you post-application as well, assisting with any questions or concerns that may arise.

Specialisations

No specialisations listed.

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(64 reviews)

Lucy

29 Jan 2026

David has been amazing in helping us secure our mortgage for our new property. Nothing was too much trouble and communication has been excellent. Highly recommend!

Claire Thompson

12 Dec 2025

David has been amazing, communicating and explaining everything along the way. He always answered any questions I had and kept me updated. I’ve already recommended him to friends who are looking to get a mortgage next year. And I will be back in touch when it’s time to remortgage. Thank you so much! Claire

Mrs M

24 Oct 2025

I have been using Spencer and Co for many years to help me with re-mortgages. David and his entire team are so helpful and so efficient, they really take the time to explain everything clearly and easily and no question is a silly question!! I have recently re-mortgaged again using Spencer and Co and the whole process was incredibly smooth and stress-free. They are excellent at keeping you in the loop throughout the entire transaction. I would highly recommend to use this company particularly based on their fantastic communication and knowledge of different products and services.

Lauren Holland

20 Oct 2025

David is incredible! Would hands on heart recommend him to anyone, we've used David for buying our house and our remortgage. Nothing is too much, and he explains everything so we understand. I honestly don't know what we would dow without him.

Costa Batsos

24 Sept 2025

David has been exceptional from the moment we first met two years ago. He gave us clear, sound advice and always kept us updated whenever new rates became available. Everything was straightforward from the start – no hassle, no confusion. Throughout the remortgage process, David was always on hand to offer help and support whenever we needed it. We couldn't have asked for a better person or team to handle everything. Thankyou!