Expert mortgage advice across Hertfordshire
Looking for a mortgage broker in Hertfordshire? Whether you're buying your first home, moving house, remortgaging, investing in a buy-to-let property, or reviewing your protection needs, Coombes & Wright Mortgage Solutions provides friendly, professional mortgage advice across Hertfordshire. With access to over 65 UK lenders and hundreds of mortgage products, we help clients secure suitable mortgage and protection solutions tailored to their circumstances.
From period properties in St Albans and village homes in Brookmans Park to family houses in Cheshunt, Harpenden, Potters Bar, Welwyn Garden City, and Broxbourne, our experienced advisers provide clear, personal advice backed by decades of mortgage and property expertise.
Meet Your Hertfordshire Mortgage Advisers
Based in St Albans, Michael is co-founder and director of Coombes & Wright Mortgage Solutions. With more than 25 years of financial services experience, he has helped first-time buyers, homeowners, landlords and buy-to-let property investors secure mortgage and protection solutions across Hertfordshire.
Before establishing the business, Michael worked in the corporate financial services sector providing mortgage and protection advice, giving him extensive knowledge of both the lending market and the home-buying process.
Michael Coombes BA (Hons)
Director & Mortgage & Protection Adviser
michael@cwmortgagesolutions.co.uk
07956 506106
Based in Brookmans Park, James is one of the founders of Coombes & Wright Mortgage Solutions. With over 20 years of industry experience, he has built an impressive depth of mortgage and protection knowledge while developing strong local relationships throughout Brookmans Park, Potters Bar, Welham Green, Hatfield and the wider Hertfordshire area.
Clients value his practical advice, attention to detail and commitment to delivering a smooth mortgage journey.
James Wright Adv CeMAP, CeRER
Director & Mortgage & Protection Adviser
james@cwmortgagesolutions.co.uk
07947 822620
Based in Cheshunt, Michelle has more than 25 years of experience helping homeowners secure mortgages and make informed property decisions. Working with clients across Cheshunt, Broxbourne, Waltham Cross, Goffs Oak and surrounding areas, she is committed to finding suitable mortgage solutions while making the process as straightforward and stress-free as possible.
Friendly, approachable and flexible, Michelle is known for providing clear explanations without the jargon.
Michelle Clack CeMAP
Mortgage Adviser
michelle@cwmortgagesolutions.co.uk
07960 240780
"We believe mortgage advice should be straightforward, personal and tailored to your individual circumstances. Whether you're buying your first home, moving house, remortgaging or building a property portfolio, we're here to guide you every step of the way."
Mortgage advice in Hertfordshire tailored to your needs
No two mortgage applications are the same. Whether you're employed, self-employed, a company director, contractor, landlord or have more complex income arrangements, we'll provide clear, jargon-free advice and support throughout the process from initial enquiry through to completion.
First-time buyers
Home movers
Remortgage clients
Self-employed applicants
Buy-to-let investors
We help:
Company directors
Contractors
High-net-worth individuals
Portfolio landlords
Clients with adverse credit
The FCA does not regulate some forms of semi-commercial mortgages, bridging finance, or buy-to-let mortgages. We will introduce you to a specialist finance firm, which will provide any advice and is responsible for the advice given and the products it arranges.
For Second Charge Lending, we act as introducers only. For Equity Release, we act as introducers only. For Commercial Finance, we act as introducers only.
Our Hertfordshire Mortgage and Protection Services
Buying your first home can feel overwhelming. Whether you're purchasing a flat in St Albans, a family home in Cheshunt or a property in Harpenden, we'll help you understand your options and guide you through every stage of the process.
From first-time landlords purchasing a rental property in Hatfield to experienced property investors expanding portfolios across Hertfordshire, we can help identify buy-to-let lending solutions aligned with your investment goals.
If your current mortgage deal is coming to an end, it's important to review your options early. We'll compare mortgages from a wide panel of lenders to help you secure a suitable new deal.
Explore later-life lending and equity release options with clear, professional guidance tailored to your circumstances.
Tailored mortgage advice for high earners, company directors, and clients with complex income structures or larger borrowing requirements.
A mortgage is often one of life's biggest financial commitments. We provide advice on Life Insurance, Critical Illness Cover and Income Protection to help protect your home, income and family's future.
Trusted by thousands of clients
We're proud that many of our new clients come through personal recommendations. With more than 1,000 five-star reviews and numerous industry awards, we're committed to delivering the same high level of service to every client.
“Mike has been our go-to mortgage advisor for over 10 years, and the consistency of his service is what sets him apart. He’s efficient, knowledgeable, and cuts straight to what matters — no unnecessary back and forth. Whether it’s a straightforward renewal or something more complex, Mike always delivers with clarity and confidence. Highly recommend.”
Jasdeep Hara 2026
“I first dealt with Michelle Clack 9 years ago and she was just as competent, professional, and delightful to work with this time as she was then. She immediately understood my aim and found a product that suited my needs exactly. Thank you Michelle.”
Angela 2026
“James has been absolutely fantastic right from our first enquiry to completion. Every question was answered promptly and clearly. We would have been completely out of our depth without him and he made each step a lot easier to understand and navigate. Dawn was also great with following up on insurance enquiries too. We can’t thank the whole team enough! ”
Beth Hopkins 2026
Simple Mortgage Advice in 3 Steps
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1. Talk to us
Arrange a free consultation with one of our local mortgage advisers.
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2. Compare your options
We'll search over 65 lenders and hundreds of mortgage products.
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3. Secure your mortgage
We'll manage the application and support you through to completion.
Why use Coombes & Wright Mortgage Solutions?
Local Hertfordshire Knowledge: With advisers based in St Albans, Brookmans Park and Cheshunt, we understand the local property market across Hertfordshire, from city centre apartments and family homes to village properties and investment opportunities.
65+ UK Lenders: Compare hundreds of mortgage products from over 65 lenders.
1,000+ Five-Star Reviews: Trusted by thousands of clients for clear, professional mortgage advice.
180+ Years of Combined Experience: Extensive mortgage and property expertise across our team.
Personal, Local Service: Work directly with a local adviser who takes time to understand your circumstances and goals.
Straightforward Advice: Clear guidance and support from enquiry through to completion.
Mortgage advice across Hertfordshire
We regularly help clients throughout:
Borehamwood
Brookmans Park
Broxbourne
Bushey
Cheshunt
Goffs Oak
Hatfield
Hertford
Potters Bar
Radlett
St Albans
Waltham Cross
Welwyn Garden City
Wheathampstead
Surrounding Hertfordshire areas
We also offer telephone and video appointments for clients throughout the UK, alongside face-to-face meetings across Hertfordshire.
Frequently Asked Questions
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Yes. We regularly help self-employed clients across St Albans, Brookmans Park, Cheshunt, the wider Hertfordshire area and nationwide to secure mortgages. Whether you're a sole trader, limited company director or contractor, we'll help you understand your options and find lenders that suit your circumstances.
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Yes. Our advisers are based in St Albans, Brookmans Park and Cheshunt, allowing us to provide local, personal mortgage advice across Hertfordshire. We also offer telephone and video appointments if that's more convenient or your based nationwide.
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Absolutely. Whether you're purchasing your first rental property in Hatfield, expanding a portfolio in Potters Bar or remortgaging an investment property in Welwyn Garden City we can help you explore suitable buy-to-let mortgage options and lender criteria.
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The amount you can borrow depends on your income, deposit, credit profile and financial commitments. We'll help you understand your borrowing potential and compare suitable options.
Book your free no-obligation initial consultation
Whether you're buying your first home, moving house, remortgaging, investing in a buy-to-let property, or reviewing your protection arrangements, our Hertfordshire team is here to help.
Book your free, no-obligation consultation today and discover your mortgage options with trusted Hertfordshire mortgage advisers.
Ready to take the next step?
Whether you're buying your first home, remortgaging, investing in a buy-to-let property, or looking for protection advice, our qualified advisers are here to help.
Book your free, no-obligation consultation today.
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