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Matthew Fleming-Duffy is the CEO and founder of Harbour Home Finance Ltd, providing structured and practical mortgage advice to clients in Poole and across the UK.
His work focuses on later-life lending, complex income cases, and expat mortgage enquiries, helping clients who may need a more detailed approach to borrowing.
Harbour Home Finance Ltd provides advice across residential mortgages, buy-to-let, HMOs, limited company mortgages, commercial finance, bridging finance, equity release and general insurance. Matthew’s advice is tailored to each client’s circumstances, with recommendations based on affordability, suitability and current UK lending criteria.
If you are looking for a mortgage broker in Poole, it is important to work with an adviser who understands how different lenders assess age, retirement income, overseas income, self-employment and complex financial arrangements.
Matthew supports clients who are buying a home, refinancing, investing in property, returning to the UK, living overseas, or reviewing borrowing later in life. Each recommendation is based on a full assessment of income, expenditure, eligibility and long-term plans.
Every case begins with a detailed fact find to understand your needs and financial position.
The process includes:
Clients are encouraged to ask questions throughout to make informed decisions with clarity.
Later Life Lending
Advice for homeowners considering borrowing in later life, including options linked to retirement income and long-term affordability.
Equity Release
Advice for homeowners considering releasing equity from their property. This is a lifetime commitment and may affect entitlement to means-tested benefits.
Complex Income Mortgages
Support for self-employed applicants, company directors, contractors and clients with multiple or variable income sources.
Expat Mortgages
Guidance for UK nationals living overseas, foreign currency earners, and clients returning to the UK, subject to lender criteria.
Residential Mortgages
Support for home movers, first-time buyers and those purchasing a main residence.
Buy-to-Let, HMO and Limited Company Mortgages
Advice for landlords and investors purchasing or refinancing property. Tax treatment depends on individual circumstances and may change.
Commercial and Bridging Finance
Funding options for business premises, mixed-use properties, short-term purchases or time-sensitive property transactions.
Matthew works with:
Matthew is a Mortgage Broker in Poole and supports clients locally and nationwide. Advice can be provided remotely where appropriate.
If you require mortgage advice in Poole or beyond, you can arrange an initial discussion to explore your options. The focus is on providing clear, practical guidance to help you make informed decisions.
Matthew was our initial contact who was extremely thorough and knew exactly what was needed to progress our application. We then dealt with Liz who was equally as professional as Matthew. The whole team were thorough and nothing was too much trouble. We were informed of our application progress every step of the way which was a relief for me as I was rather anxious. I would definitely recommend Matthew, Liz and all of the team who helped us to get our first home together. Thank you.
Yvonne Connah
Matthew took the time to understand our requirements, informed us of the risks and costs involved, and then came back with a few different options but without any pressure selling. Matthew, Elizabeth and Sam communicated with us very well and worked efficiently to progress the mortgage application and kept us informed step by step. Overall I would recommend him for any mortgage requirement, but especially for expat or other more specialist mortgages.
Adrian Paskins
Matthew helped me secure an expat mortgage living in Australia a tasked I felt to be daunting and scary. Somehow he made this task seem effortless and surprisingly easy. Matthew clearly explained the complex mortgage procedure in a way I could understand and kept me up to date with every stage of progress the whole process was made easy and simple and before I knew it the expat mortgage was granted. My thanks and appreciation goes to Matthew and his team for securing me an expat mortgage from the other side of the world Thank you guys.
Neil Doubek
Matthew Fleming-Duffy have been incredibly beneficial in assisting us with securing a mortgage for our property in the UK something that other UK mortgage brokers could not offer. As an expat it felt daunting to begin the process of qualifying and securing a mortgage for an overseas property but Matthew made the process seamless and dare I say almost easy. I cannot extend enough thanks and appreciation for all the work that Matthew provided to us. We are looking forward to moving into our new flat and we have Matthew to thank. I would strongly recommend Matthew for all of your expat mortgage needs - He is the best!
Jeff Ireland
Mathew was able to provide me with a mortgage offer under trying circumstances (first time buyer & Expat). Good communication throughout the process and I found that he had the knowledge of the mortgages available for international buyers that was lacking with other brokers. Would recommend.
jacob massey
Matthew Fleming-Duffy was extremely helpful in assisting me to re-finance my existing UK property from a residential mortgage to a buy-to-let. I no longer live in the UK and so the process was not straight forward, particularly as I wanted to tap into equity in the property (a strict process due to various regulations placed on UK lenders). Matthew was great at listening to my requirements and guiding me along the way. I came across Matthew as he was quoted in various UK newspaper discussing the industry; he knows the industry well! Thank you!
David Savage
Matthew have been so amazing in so many ways, I don't know where to start! I am a Brit living in the USA, and have now used Cherry Mortgages to secure 3 separate ex-pat mortgages in the last 2 years and cannot speak highly enough of both of them and their team. I never believed it would be possible to purchase my most recent property, and initially called Matt to have him clarify that I was crazy to even consider it. To my surprise and delight, he told me it would be possible to make the crazy dream a reality! Matthew and Liz were instrumental in making that crazy pipedream come true. He is 100% professional, reliable, efficient, excellent communicators about what is needed when, patient knowing how much paperwork is required, and very supportive throughout the whole process. He did an especially terrific job with my second transaction, which was much more complicated to start with AND in the middle of the COVID crisis!!. He also collaborated really well with my conveyancing solicitors and the lenders, which saved me a lot of headaches for me when the time difference between the UK and the USA would have been a nightmare for me to navigate during normal business hours. I cannot recommend Cherry Mortgages highly enough. Thank you to Matt, Liz and the rest of the team for all your hard work. I really do appreciate all that you did for me in the last 2 years
Philippa Cheetham
is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.
