About Us

Neil Selby - The Mortgage Ladder

We’ve all heard of the property ladder but not The Mortgage Ladder.  As most people’s financial circumstances improve and their families grow, so the size of their properties grow too (well generally anyway!).  It’s the same with the mortgage market.  Over time we all expect our income to grow and we’d also expect the amount of equity in our properties to grow.  As this happens, the mortgage deals available to you will generally improve.

It’s our job to ensure that whatever your circumstances, you get the best mortgage deals available to you at that time…and therefore, help you move up The Mortgage Ladder.

Our success is based on the advice and service that we provide.  We are not sales people.  We provide no obligation advice that is tailored to our clients’ needs.

That’s why the majority of our new clients come from recommendations.

Also, we provide an on-going service.  We’ve helped many of our clients to find a mortgage for their first purchase and we’ve then helped them again when their fixed rate has come to an end or they have moved to a bigger property.

The mortgage market is very complex.   Lending criteria differs greatly from lender to lender.  Our experience and expertise is vital in finding the lenders and mortgage deals available to you.  This allows us to truly maximise your options

And it’s not just finding the best available mortgage that we assist with.  If you agree to proceed with the mortgage, we handle the whole application process including documentation and liaising with the lender, estate agent and solicitor.

The first step is to contact us.  Appointments are available Monday to Saturday at our offices in Hockerill Street, Bishops Stortford.

We’re not sales people, we provide no obligation mortgage advice, tailored to your needs.

Personal info

I have worked in the Financial Services Industry for many years now and mortgages  are my speciality.  With so many lenders and mortgage products out there, I take great pride in assessing my clients options and getting them the very best mortgage deal available.   We provide an on-going service and it’s always nice to see my clients when they come back for regular reviews.  A large portion of new clients come from recommendations which is also good to hear.

Outside of work I live in Sawbridgeworth with my wife and three young children which certainly keeps me busy!  I enjoy most sports and play football and golf as well as cycling and visiting the gym (although not as often as I should!).

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

The FCA does not regulate estate agents and solicitors

  • Mr Howard
    "We cannot recommend Neil at the Mortgage Ladder enough. As first time buyers he made the process as simple and easy as possible. He answered any questions we had and was always quick to respond."
    Mr Howard
  • Miss Webb
    "10/10! I can not recommend Neil at the Mortgage Ladder enough. Neil has helped me from the very beginning with my first mortgage & through a number of remortgages across the last 5 years. Every time Neil makes the process clear, efficient, simple and incredibly professional! Neil, thanks so much. Look forward to working with you again on future property purchases!"
    Miss Webb
  • Mr Yarnell
    "As first time buyers the whole process of moving home can be very confusing. However Neil helped us with every step of the process and responded to every question or query we had promptly and professionally. Myself and my partner enjoyed working with Neil and would recommend his service without fault."
    Mr Yarnell