Advocate Mortgage & Protection Ltd
About Us
At Advocate Mortgage & Protection Ltd, we stand for more than mortgages and numbers; we stand for people. Just as an advocate represents, supports and guides, our role is to champion your financial journey with clarity, confidence and care.
We see every client as an individual with their own goals, challenges and ambitions. Our responsibility is to speak for your best interests, ensuring your voice is heard in a marketplace that can often feel crowded, complex or overwhelming. Like a true advocate, we translate the jargon, remove the noise and present the options that genuinely serve your needs.
From your first conversation with us, you’ll find that we don’t simply arrange finance, we represent your aims. We negotiate on your behalf, protect your priorities and help shape the future you’re working toward.
How can we help?
Advocate Mortgage provides specialist mortgage and property finance solutions tailored to the needs of homebuyers, landlords, property investors and business owners. Whether you’re purchasing your first residential property, expanding a rental portfolio, refinancing a commercial unit or protecting your family’s future, our advisers take the time to understand your circumstances and deliver personalised recommendations.
We work closely with a wide panel of lenders offering residential, commercial, buy-to-let and protection products, ensuring you receive competitive options that match your goals. Our focus is simple, straightforward advice, fast communication and financial solutions that help you move forward with confidence.
Whether you’re buying a home, building a portfolio or strengthening your financial security, we walk alongside you as a trusted partner, not just a service provider. Every recommendation we make is grounded in understanding, transparency and the belief that good advice should empower you. We’re here to stand in your corner, guide you through complex decisions and ensure you always feel supported. We champion your goals because being an advocate isn’t just our name, it’s our purpose.
Residential
Buying a home is one of the biggest financial commitments you will ever make, which is why Advocate Mortgages provides expert support at every stage. We help with first-time buyer mortgages, home mover mortgages, remortgages and complex residential scenarios.
Our advisers compare multiple lenders, review affordability, explore fixed and variable rates, and guide you through the application process from start to finish. If you have unique circumstances, such as self-employment, multiple incomes, or credit challenges, we’ll work to find a solution that aligns with your long-term financial plans.
Commercial
Advocate Mortgage & Protection Ltd specialises in securing commercial mortgages for business owners, investors and developers. Whether you need funding for an office, warehouse, retail unit or mixed-use property, we source commercial lending solutions designed to support growth and long-term profitability.
We assist with owner-occupied commercial mortgages, investment properties, semi-commercial units, short-lease premises, and refinancing to improve rates or raise capital. Our team understands the complexity of commercial lending and works to secure competitive finance tailored to your business structure.
Buy to Let
Landlords and property investors rely on Advocate Mortgage & Protection Ltd for access to specialist buy-to-let mortgage products across individual, portfolio and limited company structures. We support both new and experienced investors with refinancing, portfolio restructuring, remortgages and new acquisitions.
Whether you’re planning long-term rental income or seeking strong yields, we help you understand lender criteria, tax-efficient ownership options, and stress-testing requirements. Our advisers also assist with HMOs, multi-unit freeholds, holiday lets and complex property types.
Protection
Property investment isn’t just about finance, it’s also about safeguarding your income, assets and long-term stability. Our protection specialists help you understand how to protect your mortgage, family and portfolio through tailored solutions, including:
Life insurance
Income protection
Critical illness cover
Landlord and rental protection products
Through Connect Experts protection advisers, you receive guidance designed to secure your financial future and reduce the risks associated with property ownership and borrowing.
Understanding your Situation
Every client’s situation is unique, which is why Advocate Mortgage & Protection Ltd takes a personalised, adviser-led approach. We listen carefully to your goals, financial background, property plans and any challenges so we can recommend the most suitable products.
Whether you’re dealing with complex income, a growing portfolio, a tight timeline, credit issues or limited deposit availability, our experts will explore all available options. We believe in clear explanations, transparent advice and solutions based on what is genuinely right for your circumstances.
Try our Calculators
Mortgages can be confusing, which is why our calculators are designed to be simple to use and give you a brief overview of what you may be able to afford. All results are subject to full affordability checks, and only a qualified mortgage adviser can provide you with a personalised quote.
Ready to make your next move?
If you’re preparing to buy, refinance or invest, Advocate Mortgage & Protection Ltd is here to help you take the next step with confidence. Our advisers are ready to guide you through your options, compare lenders and secure the most competitive solution for your plans.
Whether your next move involves a new home, an investment property or ensuring financial security for your family, we’re here to support you every step of the way.
Contact Form
Frequently Asked Questions
What does Advocate Mortgages do?
Advocate Mortgage & Protection Ltd provides specialist mortgage and property finance advice for residential, commercial and buy-to-let clients. They help secure competitive lending options, recommend suitable solutions and support your long-term financial goals.
Why is the company called Advocate?
The name reflects their purpose: standing up for your interests, guiding you through complex choices and securing the best outcome on your behalf. They act as your voice in the mortgage and finance market.
Can you help if my situation is complex?
Yes. They assist with complex or unusual cases, including self-employed income, credit issues, portfolio lending, HMOs, limited company buy-to-let and commercial finance.
Do you work with first-time buyers?
Absolutely. They provide clear advice, explain the process and help first-time buyers understand what is affordable and achievable.
Do you provide commercial mortgages?
Yes. They source commercial mortgages for investors, developers and business owners across a wide range of property types including offices, warehouses, retail units, mixed-use buildings and specialist premises.
Can you help with buy-to-let mortgages?
Yes. They support both new and experienced landlords with buy-to-let mortgages, remortgages, HMOs, holiday lets, multi-unit properties and limited company structures.
Do you offer protection and insurance advice?
Yes. They provide life insurance, critical illness cover, income protection and family protection.
What documents do I need for a mortgage application?
Most lenders require proof of income, bank statements, identification, credit history and property details. Additional documents may be required based on your circumstances.
How long does the mortgage process take?
Timelines vary, but many applications progress from submission to offer within a few weeks. They liaise with lenders to keep everything moving smoothly.
How do I get started with Advocate Mortgages?
Simply get in touch for an initial discussion. They will learn about your goals, explain your options and guide you through the first steps.