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Free, no obligation first consultationOnline and telephone appointments

About Your Mortgage Room

Mortgage advice with a personal touch

Your Mortgage Room was founded in Brighton by Charlotte Oakley to offer the kind of service she would want for herself: honest advice, clear communication and a team that genuinely cares how things turn out.

  • Founded in Brighton
  • Online and telephone advice
  • Mortgages and insurance
Brighton Palace Pier with its helter skelter and funfair rides on a cloudy day
Brighton basedHelping clients across Sussex and beyond

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our story

Built on experience, driven by service

Your Mortgage Room was founded in Brighton, East Sussex, by Charlotte Oakley. The team brings together more than 20 years of experience in the financial industry, much of it spent helping clients in Brighton, Worthing, Shoreham and the surrounding areas.

We help first time buyers, home movers, property investors and homeowners looking to remortgage, with a comprehensive range of mortgage and insurance products. We are not tied to specific lenders, so our recommendations are based on what suits you.

We are an online and telephone based brokerage with a secure system for sending documents, which means you can speak to us at a time that suits you. We do not charge for your initial consultation, and we always go the extra mile to make sure you receive a high standard of service.

As our clients increasingly asked us about protecting their homes and families, we also created Your Insurance Room, so you can arrange your mortgage, your insurance or both with the same team.

15+Years in financial services for our founder
20+Years of combined industry experience
£0Cost of your initial consultation
The remains of Brighton's West Pier framed by old pier supports on the beach

Why clients choose us

What you can expect from us

A free first consultation

Talk through your plans with no cost and no obligation to go any further.

Not tied to one lender

We compare suitable options from our panel of lenders and explain our recommendation clearly.

A team that knows you

You will speak to people who know your case, not a different call centre agent each time.

Self-employed expertise

We understand how lenders look at business income, dividends and retained profits.

Secure and simple

Send your documents through our secure system, without the need for office visits.

Protection under one roof

Your Insurance Room helps protect your home, family and business once your mortgage is in place.

Meet the team

The people behind Your Mortgage Room

A small Brighton team with a big commitment to service.

Charlotte Oakley, Founder and Director at Your Mortgage Room

Charlotte Oakley

Founder and Director

Charlotte has worked in financial services for more than 15 years. She began her career with a corporate firm, progressing to Mortgage Services Manager, before joining an independent Brighton mortgage brokerage in 2017.

She went on to found Your Mortgage Room and later Your Insurance Room, and has a particular interest in business insurance and in protecting homes and families.

Away from work you will find her playing five a side football, sponsoring a local women's league, playing social volleyball or out walking her dog, Jasper.

Jane Carty, Personal Assistant at Your Mortgage Room

Jane Carty

Personal Assistant

Jane began her career in mortgages and secured loans before spending almost 20 years in corporate finance at Barclays.

After moving from London to the South Coast she returned to the mortgage industry, where she enjoys helping first time buyers and buy to let investors through the process.

Outside work she walks her Springer Spaniel, Roxie, spends time with family and friends and is treasurer of her local social club.

Louisa O'Reilly, Mortgage Administrator at Your Mortgage Room

Louisa O'Reilly

Mortgage Administrator

Louisa spent 12 years in car sales, where she became one of the top sales professionals in her region, before moving into a customer service role after starting a family.

She joined Your Mortgage Room in 2021 and brings a keen eye for detail to every case she supports.

She loves cooking, trips to the countryside and long family walks.

Sarah Fish, Marketing Executive at Your Mortgage Room

Sarah Fish

Marketing Executive

Before joining the team, Sarah spent 11 years as a primary school teacher, which gave her a creative and clear way of communicating.

After moving from Hampshire to Brighton she now looks after our website, search and social media.

She is also a qualified massage therapist and enjoys Sussex walks, beach saunas, cooking and trying Brighton's restaurants.

How we work

Simple, from start to finish

  1. A free first chat

    Tell us what you are planning and we will explain your options. There is no charge and no obligation.

  2. We find the right fit

    We compare suitable mortgages from our panel of lenders and explain our recommendation clearly.

  3. We handle the application

    We package your application, deal with the lender and keep you updated at every stage.

  4. Through to completion

    We liaise with your solicitor and estate agent until the money is released, and we are here afterwards too.

Client feedback

What our clients say

“Holly and the team provided a fantastic service and I couldn't recommend them more.”
Zachary H.First time buyer, August 2023
“Holly was a huge help, from the first call and throughout the process of securing the mortgage.”
Emma B.Client, August 2023

Google reviews

Read what our clients say

We are proud of the feedback our clients leave. Read our latest reviews on Google, or leave one of your own.

Read our Google reviews

Free initial consultation

Ready to talk it through?

Your first consultation is free and there is no obligation. Speak to Charlotte and the team by phone or online, at a time that suits you.