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Your mortgage, your way

Whether it’s your first home, a remortgage, or a buy-to-let, our expert advisers guide you through the entire mortgage market.

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What We Do

Your Local, Independent Mortgage Experts in the Midlands.

01

Mortgage Advice

  • Whole-of-Market recommendations

  • FCA Regulated guidance

  • Free Initial Consultation

02

Residential Mortgages

  • First-Time Buyer Mortgages

  • Home Mover Mortgages

  • Remortgages

03

Specialist Mortgages

  • Buy-to-Let Mortgages & Portfolio Landlords

  • Help to Buy / Shared Ownership

  • Right to Buy

  • Retirement Interest Only

  • Equity Release by referral only 

  • Self-Build Mortgages by referral only 

04

Protection & Insurance

  • Life Insurance

  • Income Protection

  • Critical Illness Cover

  • Family Income Benefit

  • Mortgage Protection Insurance

  • Buildings and Contents

05

Personal Service

  • Experienced advisers who know your local market

  • Friendly, clear, and jargon-free support

  • Guidance from first conversation to completion

06

Other

  • Further Advances

  • Product transfers

  • Debt consolidation

  • Joint borrower/sole proprietor (For buyers not ready for a long-term mortgage alone)

  • Let to buy

  • Holiday lets

  • Self Build

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

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about us

Your Local Mortgage & Protection Specialists

Based in the Midlands, we offer independent, whole-of-market advice across the UK — helping you find the right mortgage and protection for your needs. With years of experience and a friendly, personal approach, Gemma and Danielle guide you from first chat to completion — making the process clear, simple, and stress-free wherever you are in the UK.

The Experts

Meet the team

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Gemma

Director, Mortgage and Protection Adviser

Gemma

Director, Mortgage and Protection Adviser

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Danielle

Mortgage & Protection Adviser

Danielle

Mortgage & Protection Adviser

We’re available outside 9–5 to fit your schedule

Fill out a few quick details and one of our mortgage experts will call you back at a time that suits you best.

Claire Leivers

2025-11-14

Danielle, thank you so much for helping with our remortgage! See you again in 2 years time to do it all over again! Claire and Colin.

Shanice Sharma

2025-11-04

I can’t recommend Danielle and the team at Luminar highly enough. From our first conversation to the final stages of my remortgage and protection process, Danielle has been nothing short of exceptional. She’s not only a brilliant financial advisor but also a calm, reassuring presence during what was one of the most stressful periods of my life. Her patience, professionalism, and genuine care made all the difference. She took the pressure off completely, handled every detail with precision, and was always there to answer questions—no matter how big or small. Danielle is an outstanding individual and a true asset to Luminar. While the business may be relatively new, the quality of service speaks volumes. I’m actually a little sad that now everything is sorted with the remortgage and protection that I won’t be speaking to her daily! If you're considering financial advice, I wholeheartedly encourage you to reach out to Luminar. Thank you, Danielle, for everything.

Joe Lee

2025-11-03

I had an excellent experience working with my mortgage adviser. They were quick to help when I needed support and always kept me updated throughout the process. Friendly, helpful and easy to communicate with from start to finish. I would definitely recommend their services!

Madeline Whiteley

2025-11-02

I couldn’t recommend Gemma enough for all her help and support with buying my first home! She was so professional, knowledgeable and reassuring through the whole process, was easily available to contact whenever I had a question ( which was all the time 🤣 ), she really supported me through the whole process which can be long and frustrating at times and feels like it’ll never end! Gemma helped me find an Incredible solicitor and helped me set up my insurances which took a lot of stress and pressure off. Highly highly recommend!

Julia Taylor

2025-11-01

🌟🌟🌟🌟🌟 I’ve used Gemma at Luminar Mortgages Ltd before and I can honestly say her service just continues to shine! I trust her completely and can’t thank her enough for everything she does. Gemma is professional through and through and has a wonderful way of making even the most stressful times feel calm and manageable. Thank you from the bottom of my heart — you’re amazing!

Reviews

Hear it from them

Get in touch

Start your journey with us today.

Urban Housing
Reviewing Documents

Struggling to get a mortgage?

Our expert advisers are here to help, no matter your situation

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