About Us

Whole of Market

As whole of market Mortgage Brokers, we can access every mortgage product available within the whole market place. Many other advisers, even those who are called ‘whole of market’ advisers (yes, we know it’s confusing, but that’s the current industry jargon) are restricted to a limited panel of providers, you can be sure that we’re truly independent.


You have to choose a Mortgage Broker you can trust with your purchase or re-mortgage. Our fully qualified team comprises former business advisers from national banks, but we didn’t like their hard-sell approach so we set up Prospect Tree to offer more authentic guidance and advice. We’ve worked together for years and operate with the ethos of a small, family business. If you like the sound of that, we look forward to meeting you.

Holistic approach

We can meet wherever is convenient for you, whether that’s in your home or at one of our offices, to discuss your current situation and find out what you want to achieve. We then assess your priorities, shop around the whole market (remember, we’re totally independent) and present you with a report showing our recommendations.

Cost Transparency

To save you time and reduce the risk of making expensive mistakes, you can depend on us to advise you what (if any) fee may be payable. Paying us is simple. It only happens upon completion of the mortgage and you will know exactly what it will be before the application has even been submitted, so you always know where you stand. We’ve chosen to work this way since 2009 (because we think it’s fairer), and it became industry standard at the end of 2012.

Our clients

Our clients comprise individuals and businesses, based throughout London, Kent and the Southeast. We have advisers in South London, Beckenham and Ashford.

The information provided within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK.

This site does not confer any form of personalised financial advice, should you wish to receive specific financial advice please contact us.

Prospect Tree Mortgages Ltd is an appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 748350. Prospect Tree Mortgages Ltd is Registered in England and Wales under reference 10112043 Registered Office Address: 10 Chestnut Avenue, West Wickham, Kent. England BR4 9ES