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Heron Financial Reviews 

2,310
TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Considering 272 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, professionalism, and cheerful demeanor, making the process pleasant and reassuring. The service is frequently described as excellent, with many appreciating the efficiency and ease of their overall experience, often noting how stress was significantly reduced. Reviewers are particularly impressed with the quick response times and clear communication, which kept them updated at every stage. The user experience is highlighted as smooth and straightforward, with many feeling well-supported and informed throughout their journey. However, some customers mentioned that the remortgaging process took longer than expected.

What people talk about most

Staff

Customers consistently note positive experiences with staff, highlighting their helpfulness, knowledge, and... See more

Service

Reviewers highlight positive aspects of service, consistently praising its efficiency, professionalism, and... See more

Customer service

People report positive experiences with customer service, highlighting the incredible level of support and... See more

Response time

Users describe positive interactions with response times, consistently praising the quick and efficient... See more

User experience

Reviewers consistently report positive feedback about the user experience, highlighting how the process is... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Chloe was incredible. Following an issue that was nothing to do with Heron Chloe dedicated her time to help me and ensure that everything was sorted. She had great contact and couldn’t have been more... See more

Company replied

Rated 5 out of 5 stars

We have used Heron financial before to buy our first home, we have since used them again to buy our forever home. We have specifically used Aidan on both occasions who has been super helpful and on ha... See more

Company replied

Rated 5 out of 5 stars

Callum and Chloe have been amazingly helpful in securing us a mortgage to allow us to buy the property we had found, despite a few obstacles being thrown in the way! Always friendly, cheerful, and rea... See more

Company replied

Rated 5 out of 5 stars

From initial contact all the way through to completing. Heron did a great job at communicating requirements, progress and managed my expectations on time frames very well. Great service is often overl... See more

Company replied


Company details

  1. Mortgage Broker
  2. Insurance Agency

About Heron Financial

Written by the company

Fee-free mortgage brokers for the whole of the UK

Heron Financial is a fee-free, whole-of-market mortgage and protection broker based in the UK and certified B Corporation. Heron Financial specialises in mortgages for first-time buyers, self-employed clients, company directors, contractors, and borrowers with complex income such as commission, dividends, or variable earnings.

Our advice is fully fee-free. We manage the entire mortgage process from initial application through to completion, and continue to look after our clients beyond move-in, including future remortgages and protection reviews.

Heron Financial was founded in September 2011 by Matt Coulson. The aim was to build a digital-first mortgage broker that puts education at the heart of every client conversation. We help individuals and families make confident, well-informed decisions about their borrowing, their long-term financial wellbeing, and their environmental impact as a B Corp-certified business.

We specialise in complex cases. Our advisers regularly place mortgages for clients who have been declined by their bank or by other brokers, including self-employed applicants with one year of accounts, contractors paid on a day rate, company directors taking minimal salary plus dividends, and borrowers with variable or commission-based income. We have access to lenders across the high street, specialist, and private bank markets.

In 2026, Heron Financial was named a finalist in two categories at the British Bank Awards: Best Mortgage Broker and Best Ethical Financial Provider. Internally, we built Everglades, our own award-winning digital application system, to make the mortgage process faster and more transparent for clients. It is one of the reasons our clients tell us the process feels noticeably less stressful than going direct to a bank.

Our mission is simple: the right mortgage, without the stress.

If you'd like to find out what you could borrow based on your specific circumstances, use our mortgage calculator or get in touch for a free 15-minute consultation with an adviser.


Contact info

5.0

Excellent

TrustScore 5 out of 5

2K reviews

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5.0

All reviews

(2,310)

260 reviews in the last 12 months

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Rated 5 out of 5 stars

5-Star Service

I had an outstanding experience with Heron Financial, and I want to give special thanks to Zara Arshad and Kane Powell for all their support throughout my mortgage process. They were both incredibly professional, proactive, and genuinely helpful from start to finish.

Zara and Kane kept in regular contact, provided clear updates at every stage, and always checked whether I needed any assistance. Their communication was excellent, and they made what could have been a stressful process feel smooth and straightforward. Thanks to their hard work and dedication, my mortgage was approved without any issues.

I highly recommend Heron Financial, especially Zara and Kane, for anyone looking for knowledgeable, reliable, and supportive mortgage advisors. Outstanding service all the way!

November 14, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such a fantastic review. We’re so pleased to hear Zara and Kane provided such proactive and supportive guidance throughout your mortgage process!

Rated 5 out of 5 stars

They are honest and very helpful

They are honest and very helpful; in fact, they are very kind, honest and trustworthy people

November 9, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your kind review. It means a great deal to hear you found the team so kind!

Rated 5 out of 5 stars

Considered and personal approach

I worked with Kane and Neve from the mortgage broker team.

They provided a great service. Really responsive, considered all the options available to me. Provided clarity in detail, approachable team and genuinely try to consider your best interests. Would engage with them again.

September 24, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your thoughtful review. We’re really pleased to hear Kane and Neve provided such responsive support. We’d be very happy to support you again in the future!

Rated 5 out of 5 stars

Neve and Dalia made my mortgage journey…

Neve and Dalia made my mortgage journey simple and stress-free. They were both amazing and managed to secure a mortgage for me when no one else could—for a small share in a shared ownership home as a single person. They truly are worth their weight in gold. Thank you so much!

November 14, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Neve and Dalia were able to make your mortgage journey feel simple and stress-free!

Rated 5 out of 5 stars

Professional team and easy to work with

Had amazing support from Callum and Zara for my BTL mortgage application. Callum was very kind and professional, and the application journey was quite smooth and easy. Zara has been supportive too throughout the process keeping me posted quickly when we had updates from the lender. Defo recommend them!

November 6, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re really pleased to hear Callum and Zara made your mortgage application feel smooth and easy from start to finish!

Rated 5 out of 5 stars

Aidan has been fantastic throughout our…

Aidan has been fantastic throughout our house purchase and our friends who we recommended him to have said the same! Vinal also saved us lots of money on life insurance.

November 13, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan was able to support you throughout your house purchase, and to know Vinal was able to help you save money on your life insurance!

Rated 5 out of 5 stars

Kane and Leona were fantastic

Kane and Leona were fantastic. Attentive, helpful and very thorough. Kept us up to date every step of the way.

November 13, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your kind review. We’re really pleased to hear Kane and Leona were so attentive throughout the process!

Rated 5 out of 5 stars

Very helpful and personal service

Heron have been absolutely fantastic in arranging both my new mortgage and protection, Josh has been really helpful in understanding my situation and giving a variety of options to best suit my needs, I had regular contact until everything was completed, and then I was swiftly passed to Anais to help consider all of my options with protection cover, she was knowledgeable and easy to work with and made the process very easy, always keeping me updated at every point until the cover was in place.

November 8, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Josh was able to support you with your new mortgage and to know Anais made the protection side feel straightforward!

Rated 5 out of 5 stars

I would fully recommend Heron as a…

I would fully recommend Heron as a Mortgage Broker. Joshua was great in explaining and delivering a number of options to choose from to suit our needs. Would like to also mention Anais who has been very helpful in explaining the differences in insurance available to help and going through quotes.
Thanks again!

November 4, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your recommendation. We’re so pleased to hear Joshua was able to help find the right solution for your needs and to hear Anais was helpful in talking you through the insurance options!

Rated 5 out of 5 stars

I am happy to recommend Heron

I am happy to recommend Heron. Both Josh and Rachel are a pleasure to deal with.

November 10, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your recommendation. We’re so pleased to hear Josh and Rachel made such a positive impression!

Rated 5 out of 5 stars

Excellent experience from Heron

I had the pleasure of working with Dalia and Neve from Heron Financial, and they were absolutely brilliant in helping me secure a re-mortgage deal with HSBC. Their professionalism, responsiveness, and genuine care made the entire process smooth and stress-free. I truly appreciated their clear communication and dedication throughout. Highly recommended!

October 31, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Dalia and Neve were able to support you so well with your remortgage and make the process feel smooth and stress-free!

Rated 5 out of 5 stars

Thank you!

Joshua has been incredibly helpful throughout the process of applying for our new mortgage. He is knowledgeable, professional and always replies to phone calls / answers emails quickly.

Neve has also been great!

Thank you - we’re really grateful that you’ve made a difficult process easier than we thought it could be. I cant think of anything to improve upon - keep doing what you’re doing!

We would most definitely recommend Joshua and Neve at Heron Financial.

October 31, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Joshua was able to support you throughout your mortgage application with clear advice and prompt communication. It’s also wonderful to know Neve played such a helpful part in making the process much easier!

Rated 5 out of 5 stars

What can I say

What can I say
Robyn- always kept me updated. Any questions were fully answered professionally. Very professional and helpful indeed.
Kane- fully aware of offers and clear advise on what would suit your needs.
Overall- very very pleased with the service I have received.
Heron financial is definitely the way to go for mortgages
Keep up the good work 👍

October 31, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your fantastic review. We’re so pleased to hear Robyn kept you well updated, answered your questions clearly, and that Kane was able to give clear advice tailored to your needs!

Rated 5 out of 5 stars

New policy

I had an excellent experience with this company . My advisor Anais was helpful and knowledgeable . She was very professional and kept me informed at all times . She was also very patient while waiting for me to come to a decision without being ‘pushy’ . I wouldn’t hesitate in recommending Heron Financial to friends and family.

October 6, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Anais provided such helpful and knowledgeable support and gave you space to make the right decision without any pressure!

Rated 5 out of 5 stars

Couldn’t recommend Heron Financial more!

I had a fantastic experience with Heron Financial. The whole process was incredibly smooth and efficient — not just for the mortgage, but also for the insurance side of things.

Don, Anais, and Zara make a wonderful team. They were always professional, responsive, and made everything feel completely hassle-free. I can’t recommend them highly enough if you’re looking for a stress-free, well-managed experience from start to finish.

October 30, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased Don, Anais and Zara were able to make both your mortgage and insurance journey feel smooth and efficient!

Rated 5 out of 5 stars

We have used Heron for years for help…

We have used Heron for years to help with our needs. Anais in particular was excellent. She took the time to understand our needs and made sure we were fully covered for every scenario. Her explanations were clear, and she gave us real peace of mind throughout the process. Highly recommend.

October 29, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your continued trust in Heron Financial over the years. We’re so pleased to hear Anais took the time to understand your needs, and give you peace of mind throughout the process!

Rated 5 out of 5 stars

Anais has been incredible help…

Anais has been incredible help throughout our time of applying for a mortgage and life insurance, couldn’t have asked for better service !

October 30, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Anais was able to support you throughout your mortgage and life insurance application!

Rated 5 out of 5 stars

Brennan and Robyn provided excellent service

my initial contact was poor as the person didn't get back to me, however my case was passed on to Brennan who was brilliant, really helpful responded to my email queries quickly and nothing was to much trouble. He found the right deal for me and talked me through it.
Rosbyn who handled the paperwork was lovely to deal with very bright and bubbly to speak to and again very helpful.

September 22, 2025
Unprompted review
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Reply from Heron Financial

Thank you for taking the time to share your feedback. We’re sorry your initial contact did not meet expectations, but we’re very pleased Brennan was able to step in and provide the helpful, responsive support you needed. It’s also lovely to hear Robyn made the paperwork side of things feel straightforward and enjoyable!

Rated 5 out of 5 stars

Excellent service

I’ve been using Heron Financial for several years now and the team (particularly Aidan and Rachel) have always been so helpful. Extremely prompt replies, explain everything to me clearly and really good at keeping you updated. Can’t recommend enough.

October 28, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your continued trust and support over the years. We’re so pleased to hear that Aidan and Rachel have been consistently helpful, kept you well updated. It means a great deal to have your recommendation!

Rated 5 out of 5 stars

They're the best at what they do in my…

They're the best at what they do in my opinion, have been working with them for a long time now on all my mortgage needs and they make it stress free. Couldn't recommend highly enough.

October 21, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your continued trust and support. It means a great deal to know you’ve worked with us for a long time for your mortgage needs. We really appreciate your recommendation and your kind words!

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