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Heron Financial Reviews 

2,309
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

(2,309)

259 reviews in the last 12 months

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Rated 5 out of 5 stars

Great and professional team

Great and professional team, always trying to understand my specific needs and always available for when I needed them!

June 8, 2026
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that you found the team professional, supportive, and focused on understanding your specific needs!

Rated 5 out of 5 stars

I would highly recommend Heron Financial, absolutely fantastic.

I recently used Heron for my mortgage, and I can honestly say that both Kane and Chloe were brilliant from start to finish. They took the time to source a mortgage that genuinely suited our needs, and their communication throughout was excellent. Always professional, clear, and willing to adapt to whatever we needed.
I’ll admit I was slightly apprehensive at first because they weren’t a local company. But having already tried a local broker who couldn’t find the right product for me, I’m so glad I went with Heron. Kane and Chloe were incredibly knowledgeable about what products were available and which ones would fit our situation best.
They kept us updated at every stage and made the whole process so much smoother. Buying a house is stressful enough, but they took a huge amount of that stress away. I couldn’t recommend them highly enough.

June 5, 2026
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Reply from Heron Financial

Thank you so much for your wonderful review and recommendation. We’re delighted to hear that Kane and Chloe provided such excellent support throughout your mortgage journey!

Rated 5 out of 5 stars

Listened to particulars, with speedy followups

Just wanted to say that both Gisel and Leona were both great. In particular I want to highlight that Gisel was very great at listening to the particulars of how I wanted to arrange my mortgage working back and forth with me to get it right. Leona really helped in unblocking some particulars with the lender when I needed a quick follow up for the redemption statement, valuation report, and other documents.

April 1, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that Gisel and Leona provided such attentive and responsive support throughout your mortgage journey!

Rated 5 out of 5 stars

From First day I have very good…

From First day I have very good experience when I had my first Mortgage always makes me help and support for my all needs.
Specially again for my remortgage with Brennan Goodwin he was really very helpful and work hard to find out my best rates and queta. He always makes me good what I requested.
All staff are good and helpful Specially Zara always update my situation Thank you all of you for help and support 🙏🙏

June 3, 2026
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Reply from Heron Financial

Thank you so much for your kind review and for placing your trust in Heron Financial for both your first mortgage and your remortgage!

Rated 5 out of 5 stars

Highly Recommend Kane and Leona!

I had an excellent experience working with Kane and Leona as my mortgage advisors. From start to finish, they were professional, knowledgeable, and incredibly supportive throughout the entire process.

They took the time to explain all of my options clearly, answered every question promptly, and made what could have been a stressful experience feel straightforward and manageable. Their communication was outstanding, and I always felt informed and confident in the decisions being made.

Thanks to Kane and Leona's expertise and dedication, everything progressed smoothly and efficiently. I truly appreciated their patience, attention to detail, and commitment to finding the best outcome for me.

I would highly recommend Kane and Leona to anyone looking for reliable, professional, and friendly mortgage advice. Thank you both for your excellent service!

June 2, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your wonderful review and recommendation. We’re delighted to hear that Kane and Leona provided such professional, knowledgeable, and supportive service throughout your mortgage journey!

Rated 5 out of 5 stars

Brilliant service

Brilliant service, very fast response, constant supportive contact.
Made the process all very simple, will definitely be using again.

June 2, 2026
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Reply from Heron Financial

Thank you so much for your kind review!

Rated 5 out of 5 stars

Highly Recommended

Dalia and Leona have made the mortgage process much easier and less stressful. Thank you both for your support, clear communication and help throughout.

May 21, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that Dalia and Leona helped make the mortgage process easier and less stressful for you!

Rated 5 out of 5 stars

We had a fantastic experience with Don…

We had a fantastic experience with Don and Leona from Heron Financial. They helped us get our mortgage accepted quickly and smoothly, making the whole process feel easy and stress-free. They were always helpful, professional and supportive throughout and they are continuing to guide us on our home buying journey. We really appreciate their help, thank you! We would highly recommend.

May 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your wonderful review and recommendation. We’re delighted to hear that Don and Leona helped make your mortgage journey feel smooth, straightforward, and stress-free!

Rated 5 out of 5 stars

Excellent company to deal with

I recently remortgaged a buy to let and secured a new mortgage to move house and Joshua was brilliant, he provided great advice and support throughout. Afterwards I had a call with Joe to review personal protection cover and again a great experience. In my dealings with Heron they have been very helpful and efficient and I highly recommend them!

May 18, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review and recommendation. We’re delighted to hear that Joshua was able to provide great advice and support with both your buy-to-let remortgage and your new mortgage as part of your house move!

Rated 5 out of 5 stars

Excellent experience with Heron…

Excellent experience with Heron Financial, primarily dealing with Joshua Johnstone, sorting out a residential mortgage for us. Being self employed and having a complex income structure was not an issue for them, and they managed to secure the mortgage we needed to buy our new family home. Thanks again for all your help and advice.

May 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that you had an excellent experience with Heron Financial and that Joshua was able to help secure the mortgage you needed for your new family home!

Rated 5 out of 5 stars

Outstanding Service!

Josh couldn’t have been more helpful with all of the process. We’re so impressed with the service, support and overall attentiveness with our time with Heron. Additionally, Zara has been a huge help with the account management side to help progress the mortgage application. We’re so pleased and would definitely recommend to all our friends and family!

May 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your wonderful review. We’re delighted to hear that Josh and Zara provided such helpful support throughout your mortgage application journey!

Rated 5 out of 5 stars

Joshua from Heron Financial has guided…

Joshua from Heron Financial has guided and helped us through submitting our mortgage application for our first home.
He was trustworthy and reliable from the start, which is why we picked Heron Financial despite already being in touch with a couple of other mortgage broker firms.

May 26, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that Joshua was able to guide and support you through your first home mortgage application!

Rated 5 out of 5 stars

Highly recommended

I have used Heron for many years and recommended them to many. Joshua is a pleasure to deal with, has great market knowledge and is always there for advice when needed! Highly recommend

May 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your continued trust in Heron Financial and for recommending us to others over the years!

Rated 5 out of 5 stars

Callum and Chloe have been amazingly…

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 reassuring and they got us a great deal. Would definitely recommend to all our friends and family.

May 28, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your wonderful review. We’re delighted to hear that Callum and Chloe were able to help you secure your mortgage and support you through the challenges that arose along the way!

Rated 5 out of 5 stars

Fantastic Help

Both Leona C and Callum F were incredibly helpful during our process of buying our first house. Invaluable service from the both of them and I couldn't thank them enough.

May 28, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that Leona and Callum were able to provide such valuable support during your first home purchase!

Rated 5 out of 5 stars

Don was great during out consultations

Don was great during out consultations, he directed us through the process in so much detail and kept in contact with us regularly with updates and found solutions when we hit some hurdles. Leona was also great from a communication perspective and being in contact. Would recommend this team

May 27, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review and recommendation. We’re delighted to hear that Don provided such detailed guidance throughout the process and kept you regularly updated every step of the way!

Rated 5 out of 5 stars

Highly Recommend – Great Support Every Step of the Way

Although I haven’t completed on my purchase yet, my experience so far has been really positive. Chloe and Aidan have both been brilliant — always quick to respond, incredibly helpful, and happy to answer all of my questions. They’ve made the process feel much less stressful, and I've felt supported throughout. Really grateful for all their help so far and would definitely recommend.

May 27, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that your experience with Heron Financial has been so positive so far!

Rated 5 out of 5 stars

Made things easy

Made things easy to understand and walked through every step of the way. Always someone available to speak to when there are issues and quick to respond to queries.

May 26, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that the team made everything easy to understand and guided you through each step of the process!

Rated 5 out of 5 stars

I’ve had the pleasure of working with…

I’ve had the pleasure of working with Aidan over the past few years, and I can honestly say the service has been exceptional from start to finish. His attention to detail is second to none, and he is always on the ball—proactive, responsive, and incredibly knowledgeable. He consistently goes above and beyond to ensure everything runs smoothly, which makes what can often be a stressful process feel straightforward and well-managed.

Zara, as case handler, has also been fantastic throughout. She keeps everything organised and on track, communicates clearly, and is always quick to help with any queries. Together, they make a brilliant team and provide a level of service that’s hard to find.

I wouldn’t hesitate to recommend Aidan and Zara at Heron Financial—in fact, I wouldn’t work with anyone else.

May 25, 2026
Unprompted review
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Reply from Heron Financial

Thank you so much for your wonderful review and for your continued trust in Heron Financial over the years.

We’re delighted to hear that Aidan’s attention to detail, proactive approach, and expertise have consistently helped make the mortgage process feel straightforward and well managed!

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