Hearthgate MortgagesBook a call
About us

Advisers who would rather explain than persuade

Hearthgate was started by two former lender underwriters who wanted to sit on the borrower's side of the table. Eleven years on, thirty advisers work from a converted canal warehouse in Ancoats.

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How we advise

Three habits behind every recommendation

They are written on a card at each desk, and our compliance team checks case notes against them every month.

Read the criteria, not the headline

Every lender publishes a rate and hides the rules in a criteria guide. Our advisers read the guide before a case is submitted, which is why fewer of ours are declined.

Show the full cost

We put fees, early repayment charges and the rate after the deal ends side by side, so the cheapest monthly figure is never mistaken for the cheapest mortgage.

Keep one named adviser

You speak to the same person from the first call until completion, and they remain your contact when the rate ends years later.

How the firm grew

A short history for anyone who likes to know who is advising them.

  1. 2015

    Two desks in Ancoats

    Nadia Rahman and Colm Doherty leave a high-street lender and take their first client referral from a local estate agent.

  2. 2018

    Whole-of-market status

    The firm gains access to the full range of lenders and drops the small panel of favourites it used in its first years.

  3. 2021

    Digital document vault

    Clients upload payslips and bank statements to an encrypted folder, ending the habit of photographing paperwork on a kitchen table.

  4. 2025

    Remortgage watch

    Every client now receives a reminder and a comparison nine months before their rate ends, whether they have asked or not.

Advisers you may meet

Each adviser holds a specialism, so ask for the one closest to your situation.

  • Nadia RahmanCo-founder, first-time buyers
  • Colm DohertyCo-founder, complex income
  • Hana YilmazLandlords and limited companies

Prefer to ask a human first?

Call during office hours and we will answer a couple of questions without opening a file or running a single credit check.

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