we are committed to finding you the right mortgage

Our Mortgage Consultants are here to help you every step of the way through the mortgage maze, beginning with the application forms through to finding the right mortgage for you, one that will suit your needs and financial requirements - we'll help you do it all.
With our professional advice and access to a panel of selected lenders - we're sure we can help you, whether you are a first-time buyer, a seasoned property mogul, wanting to move up the property ladder or even just remortgaging.
more help for you... we have a selection of free guides to help you with your mortgage requirements and how we can help you. Simply download the relevant guide below:




























All figures are for illustrative purposes only and are based on a repayment mortgage only basis.
Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
Please complete our Contact Us form below to obtain further detail on the products listed above.
The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.
Fixed. A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.
Tracker. The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn't mean it's the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.
Standard Variable Rate (SVR). This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England's base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.
The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.
The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.
The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.
Whether the lender charges a fee to arrange the mortgage
This is the Annual Percentage Rate of Charge (APRRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.
reasons to choose our mortgage services...

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protecting your property
We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your home for your family. We can also arrange buildings and contents insurance for you, to protect your home and your belongings.
On request, we can refer you to a specialist Consultant to provide you with advice on additional products that can be designed to provide a lump sum or income for you and your family. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.
Our specialist advisers can tailor a solution to meet your individual circumstances.
Our products and suppliers are - Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.

help to buy?
No problem, we work with lenders who’ve been arranging Help to Buy mortgages for years.
Find out more about (You are about to leave the website of Brown & Merry and view the content of an external website. Brown & Merry cannot be held responsible for the content of external websites)
Help to Buy here

you'll gain access to myaccount
Keeping an eye on where you are with your mortgage and insurance transaction has never been easier with myaccount. With myaccount you'll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!
what our mortgage customers say...
We love hearing what our customers have to say about our service, we use an independent review company Feefo to find out what our customers think - take a look for yourself...
Sold out house with Allen & Harris so we went with their mortgage broker, Sofia Heke. Sofia was very thorough and very quick in getting our mortgage in principle letter sorted so we could start our house search. Had a few hurdles in our way but Sofia was excellent in getting these sorted and making the whole process stress free. Got us the best rate and completed the full application for us. Will come back to Sofia when we are ready to re mortgage in the future. Highly recommend Allen & Harris as they offer the whole package in selling and buying houses right down to the mortgage, and life insurances etc.
As first-time buyers, the staff at the Frome office have helped us feel confident throughout this process by proactively offering advice and patiently explaining each step of the way.
Super helpful, making what could be a complicated process very easy. Cheers
William Proud is an excellent advisor. Clear and concise and always happy to answer any questions, big or small. Brilliant service!
Excellent. James Morten very thorough, engaging, attentive. Clearly knew what he was doing and put me at ease throughout. Gave me confidence in his advice, knowledge and skills.
Allen & Harris has been really great and this wasn't the first time i was dealing with them and surely this wont be the last time too, Jamie has always gone out of the way to help and provide the best possible solutions and so in Dave, being new in there, has kept me updated with every movement and everyone out in the office. Always make you feel welcomed whenever you step inside. I like to recommend A&H to all
Always available for contact, quick response and feedback. Very satisfied
Brilliant and helpful as well as reassuring. At all points I felt fully informed and involved in the process and that a positive outcome was not only achievable but probable. I have always organised my own mortgages in the past but probably never will again.
They explained everything from befits end and took it 1 step at a time giving us plenty of time to think about it and not putting any pressure on us to make rash decisions, there service is great especially when I have a young child who is the biggest distraction but they were able to make looking and buying a house with ease will urge anyone who would like to look and buy a home to shop with Allen and Harris
Amazing throughout the whole process!
Keeping us informed at every step and being there to contact as and when we've needed to answering any of our questions/queries as soon as they could.
Highly reccomend Josh to anyone whose looking for a mortgage!!
Amazing service . Exceptional
Very professional, thorough and friendly.
Always did what he said he would do and provided consistent and professional check in’s on progress.
James has been the cherry on top each time we chosen him, we would highly recommend him for his confident, positive and reassuring service. 10/10
Kept the process clear and simple with no time wasting
Sean has been extremely efficient, trustworthy and has explained everything so myself and my partner have understood every step of the process, as first time buyers he has really settled our nerves and answered all our silly questions! Reliable and always willing to reply to an email or pick up the phone.
Great support from Anthony to get us the best deal.
Mortgage is very streesful but my agent jamie is very helpful and very friendly person.
Service was excellent from start to finish. Would really recommend the service. We had some difficulties getting a mortgage as I am self employed, but Liam was able to make the process pretty straight forward.

find out how we can help you with your mortgage requirements by using the contact form.
talk to someone
call our Mortgage Services team on01525 213 721
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.
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