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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

Couldn't recommend enough

Heron Financial helped us secure our first mortgage, and I wouldn’t hesitate to recommend them. Callum supported us at every stage of the process—clearly explaining our options, offering practical advice, and always being available to answer our questions. As first-time buyers, we felt quite out of our depth at times, but his responsiveness and ability to explain things in a straightforward way made the whole process feel seamless and easy.

Ailsa also supported us with our insurance and was equally helpful. She took the time to explain everything in detail, worked within our budget without ever pushing us towards something beyond our means, and really understood our situation. She kept us fully informed and on track throughout, which we really appreciated.

Overall, I couldn’t recommend Heron Financial enough.

March 23, 2026
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Callum was able to support you so well throughout your first-time buyer mortgage journey, explaining your options clearly and making the process feel far more manageable from start to finish!

Rated 5 out of 5 stars

Heron - Great Brokers

Great brokers who will listen, take into account personal circumstances and find the right offer for you. Specialists in what they do, I can recommend them for anyone trying to buy their first property 👌💯

April 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear you found the team so supportive, taking the time to understand your personal circumstances and help find the right mortgage option for you!

Rated 5 out of 5 stars

Great experience with heron financial

Great experience with heron financial , particularly Ailsa Holmes who helped us and managed to answer all questions!

April 27, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear you had such a positive experience with Heron Financial, and especially that Ailsa was able to support you so well and answer all of your questions throughout!

Rated 5 out of 5 stars

Efficient, friendly and free!

Have used Heron now for a number of years since purchasing my first home. The team are always super friendly, helpful, and make navigating the complex world of financial services so much easier (and fee free!!)

April 24, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the years. We’re so pleased to hear the team have consistently been so friendly and helpful!

Rated 5 out of 5 stars

Great Service!

Working with Don and Leona was an outstanding experience from start to finish. They were knowledgeable, patient, and genuinely committed to helping us navigate the mortgage process. Every question we had was answered clearly, and they always made sure I understood our options before moving forward especially for first time buyers!
If you’re looking for a mortgage team that truly cares and delivers exceptional service, Don and Leona are the ones to go to. Highly recommended.

April 22, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don and Leona made your mortgage journey feel clear, supportive and well managed from start to finish!

Rated 4 out of 5 stars

I have used Heron 3 times now for…

I have used Heron 3 times now for mortgages and I am happy with them as a company on the whole. I held off giving 5 stars as I missed out on a good fixed price rate by 1 day by not being informed on the need for company accounts.

April 17, 2026
Unprompted review
Rated 5 out of 5 stars

Highly recommend

We have used heron for a good few years now and there service all round has been great.
They very efficient and professional and always get us the best deal for us
We have dealt with mainly Dalia and Chloe who have been fantastic
We were recommend through a friend to Heron and would certainly highly recommend too

April 16, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the years. We’re so pleased to hear you’ve consistently received such efficient support from our team!

Rated 5 out of 5 stars

I had a great experience with Aidan&Chloe

I had a great experience with Aidan&Chloe. They were professional, knowledgeable, and always quick to respond. They explained everything clearly and made the whole process feel straightforward and stress-free.

I really felt they had my best interests at heart and worked hard to find the right deal for me. I’d highly recommend them to anyone looking for a reliable and supportive mortgage advisor.

April 13, 2026
Unprompted review
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Reply from Heron Financial

Thanks so much for your kind feedback. We’re delighted to hear Aidan and Chloe made the whole experience feel clear and supportive throughout!

Rated 5 out of 5 stars

Great friendly service.

Aiden and Chloe take all the stress out of finding and securing a new mortgage. Clear information on choosing a best-fit product, followed with easy instructions to help you gather and load up the correct documents. They are friendly and easy to contact and guide you through the whole process. I have recommended them to friends and family who all report the same high level of service.

April 7, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan and Chloe were able to take the stress out of finding and securing your mortgage!

Rated 5 out of 5 stars

Great experience despite a complex case

Gary Holmes at Heron Financial was excellent. My situation was complicated because I had moved abroad, and although we didn’t find a mortgage solution that worked, Gary was extremely helpful, informative, and honest throughout. What impressed me most was that he still took the time to give clear, practical guidance even when it was obvious there would be no commission in it for Heron. That level of professionalism and integrity is rare, and I’d happily recommend them.

April 6, 2026
Unprompted review
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Reply from Heron Financial

Thank you for taking the time to leave such thoughtful feedback. We’re so pleased to hear Gary was able to provide helpful guidance throughout what was a more complex situation. While we appreciate that a suitable mortgage solution was not found on this occasion, it means a great deal to know the support you experienced still left such a positive impression!

Rated 5 out of 5 stars

Highly professional & friendly team

I don't usually leave a review, but felt Aidan, Zara & Vinal deserved a special mention from my recent dealings with them at Heron Financial.

The entire team have been very professional throughout, taking the time to know our financial goals and finding the right products for both myself & my partner. Aidan was very thorough in explaining all the different products and fees, often accommodating for multiple meetings during evening hours to find us the best mortgage deal. Vinal was equally excellent in giving us both straightforward advice on income & life insurance so we didn't pay more than we needed. 

I wouldn't hesitate to recommend Heron Financial to my friends and family and will definitely use them again in future! They also don't charge customers fees for their services, which was an amazing added bonus that not all mortgage brokers offer. 

March 31, 2026
Unprompted review
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Reply from Heron Financial

Thank you for such a thoughtful review. We’re so pleased to hear Aidan, Zara and Vinal provided such professional and supportive guidance throughout!

Rated 5 out of 5 stars

Great company

Great company. Love the I can interact with them over WhatsApp instead of having a call every time

April 10, 2026
Unprompted review
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Reply from Heron Financial

Thanks so much for your kind feedback!

Rated 5 out of 5 stars

Very friendly and helpful

The team at Heron are really friendly and helpful. They are very responsive to any and all questions and made applying for my first mortgage as straightforward as possible providing really useful and clear advice. They are also very proactive in making sure you get the best deal - for examples they contacted me iearly before my fixed term came to an end to ensure I got the best possible deal in remortgaging. They also provide additional support with insurance options which is really helpful.

April 10, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear the team have been so friendly throughout, from supporting you with your first mortgage through to helping with your remortgage!

Rated 5 out of 5 stars

Highly recommended – Secured a great deal with a PhD stipend and a regular salary

We had a fantastic experience with Heron Financial and cannot recommend them highly enough. A special thanks to Dalia and Neve, who were both incredibly helpful, very responsive, and extremely informative throughout the entire process.

Our situation was a bit non-standard, as we needed to secure a mortgage using a PhD stipend and a regular salary. While many lenders find this tricky, Dalia navigated it with ease and managed to secure us a really great deal, even in the current climate of rising interest rates. If you want a firm that is professional, knowledgeable, and willing to go the extra mile for "different" financial situations, look no further!

April 9, 2026
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Dalia and Neve were able to support you so well throughout the process!

Rated 5 out of 5 stars

Good customer service

While Heron is a big company, Leona and Dalia have pay a lot of attention to me and my partner. They always reply quickly and have answered our questions. Currently the process is ongoing, so if anything happens I'll update the review.

April 8, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Leona and Dalia have made the experience feel personal and supportive!

Rated 5 out of 5 stars

Aidan and Zara 10/10!!!!

Aidan and Zara were both brilliant. Communication was outstanding from start to finish, not just with myself but with solicitors and developers.
Everything they did throughout the purchase process was always in my best interest to ensure the best outcome.

April 7, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan and Zara provided such outstanding communication throughout your purchase!

Rated 5 out of 5 stars

Friendly & Professional

As a first time buyer the process can seem so daunting. But working with Kane, Rebecca and Travis made everything so simple. If I ever had any questions they were always available to give prompt responses and guide me through every step. Massive thank you to you all for being so friendly and supportive throughout this whole journey. I will definitely be using them in the future.

April 7, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Kane, Rebecca and Travis were able to make your first-time buyer journey feel much simpler!

Rated 5 out of 5 stars

I feel so deeply grateful to my…

I feel so deeply grateful to my mortgage broker Kane Powell, for securing me a mortgage with Heron Financial. I am also grateful to his assistant Leona who kept me in the loop with any developments.
Kane navigated what was quite a difficult process for me in the past with previous mortgage brokers - with extreme ease, confidence, expertise and reassurance, with a cool calm head.
Kane is so good at what he does and his expertise, professional knowledge and business acumen, along with his calm and personable manner speaks volumes, and has also been noted by senior industry professionals where he has been awarded many accolades within the Mortgage Broker industry.
If you have had a stressful time in the past trying to secure a mortgage and are looking for a mortgage broker that will listen and provide a stress free, honest and efficient service with reassurance and ease, go to Kane at Heron Financial. The whole experience, the communication from all the team, and the speed of the process was second to none.
Thank you so much Kane and Leona. From Elizabeth H X

March 30, 2026
Unprompted review
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Reply from Heron Financial

Thank you for such a heartfelt review. We’re so pleased to hear Kane and Leona were able to support you so well throughout your mortgage journey and help make the process feel calm and well managed from start to finish!

Rated 4 out of 5 stars

So far, so good

I've yet to exchange on my property so haven't seen process with Heron Financial all the way through as yet, but so far Aidan and Rachel have both been informative, friendly and patient with my whole process of obtaining a mortgage.

November 21, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan and Rachel have been friendly throughout your mortgage journey so far!

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