About Us

Prospect Mortgage Services provide independent, impartial, and comprehensive advice in the arrangement of mortgage and protection products.

Our objectives are simple;

• Help people buy their homes and obtain the best deal possible.
• Once acheived, we want people to keep what’s most precious to them – even if the worst was to happen.

Located on the Isle of Wight, our team of experts specialise in Mortgages, Equity Release, Personal Protection and Home Insurance. The Prospect team are experienced and ready to assist, and are happy to meet clients in person, virtually by video conference or by way of a telephone call. We will listen carefully to your needs and priorities and survey the entire marketplace before making any recommendations to you.  Once you understand a proposal and are happy to proceed, we will submit your application; after which we work just as hard to keep you informed and up to date with progress – but don’t just take our word for it – check out our Client Reviews to see how we support our customers every step of the way.

Putting you first

Everyone is different. We all have different needs, different aims and are in different situations. However, most of us have one thing in common – we lead busy lives. Wouldn’t it be nice to receive honest, friendly yet professional, hassle-free advice and a solution that is genuinely best for us?

At Prospect Mortgage Services our sole aim is to deliver high quality, independent mortgage advice to our clients. Our experienced and qualified mortgage specialists will take the time to get to know your circumstances, objectives and preferences. Using purpose built software and in-depth industry experience we will do our utmost to find the most appropriate mortgage for you.

Making it simple

Once we recommend a suitable mortgage or insurance for you, we will ensure you are fully aware of what will happen next and have to hand everything you need to complete on your property purchase, including:

• The reasons for making our recommendations
• The repayment method & period
• The consequences of early repayment
• The type of interest rate: variable, fixed, discounted etc
• Your repayments after any fixed or discounted period
• Whether you have to take insurances with the mortgage, and if so the cost of such insurances
• The costs and fees involved with the mortgage, such as valuation, arrangement and lending fees
• Whether your selected terms can be continued if you move house

Our opening times:

Use the ‘Book an Appointment’ button to the right to come and meet one of our advisers.

*Please note our office in Merstone is open until 1700 Monday to Friday. After this time we are available on the phone to answer queries until 1830. We are open on a Saturday during office hours for remote appointments and queries.