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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

Smooth and easy

Mortgage now completed, it was a smooth process and easy to do with the help of Don, Robyn and Chloe. Nothing was too much trouble and got answers to all our questions quickly and efficiently, thank you

April 1, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don, Robyn and Chloe helped make your mortgage process feel easy!

Rated 5 out of 5 stars

Aidan and Zara provided the best broker…

Aidan and Zara provided the best broker service I’ve ever experienced. Knowledgeable, personable and easy to contact. The whole process was super smooth. Highly recommend.

February 20, 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 knowledgeable support throughout!

Rated 5 out of 5 stars

Dom Scott went above and beyond to help…

Dom Scott went above and beyond to help source and recommend a competitive rate. I would highly recommend.

March 18, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don was able to go above and beyond to help!

Rated 5 out of 5 stars

⭐️⭐️⭐️⭐️⭐️

I had a great experience and was really impressed with the service at Heron . The staff were friendly, attentive, and made sure everything was handled smoothly. Overall, a very positive experience—I’d definitely recommend them to family and friends.

March 31, 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 us and found the team helpful throughout!

Rated 5 out of 5 stars

Top class service from Aidan Broom

I’ve been with Heron Financial for the past five years, with Aidan Broom as my mortgage advisor throughout - including most recently during our new home purchase.

Aidan has consistently delivered outstanding service in every respect. He is clear, responsive, and highly knowledgeable about the market, always going above and beyond to secure the best deal for us. He’s also been readily available to help with any questions - even those beyond the mortgage itself - offering guidance on the wider home-buying process.

His support has made what can be a stressful experience feel far smoother and more manageable. I couldn’t recommend him highly enough.

March 31, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the past five years. We’re so pleased to hear Aidan has consistently provided such knowledgeable support throughout your mortgage journey!

Rated 5 out of 5 stars

Dalia has been a superstar!

Dalia has been a superstar! Responsive, patient, and proactive. Buying home in the UK is super stressful, so having someone you can trust to do a good work on your behalf is priceless. Fully recommend Heron Financial (especially Dalia!)

March 31, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Dalia provided such responsive support throughout your home-buying journey!

Rated 5 out of 5 stars

Our Go To Mortgage Broker for Over Five Years

Heron Financial have been our mortgage brokers for over five years and we’ve used them for mortgages, remortgages and general advice. The team are always incredibly friendly, professional and genuinely focused on finding the best options for their clients. Communication is excellent and they make the whole process smooth and stress free. We wouldn’t hesitate to recommend them. Fantastic service every time.

March 31, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the last five years. We’re so pleased to hear Heron Financial has been able to support you!

Rated 5 out of 5 stars

Great experience

Great experience, start to finish, really helpful and responsive.

January 28, 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 a great experience!

Rated 5 out of 5 stars

Outstanding Service

I’ve been using the services of Heron Financial for the last two years and I cannot fault them. The mortgage advisors, protection advisors and case progression team are all super friendly and knowledgeable. I’ve been well informed every step of the way and always receive the best rates on the market. I would recommend Heron to any first time buyers or those re-mortgaging.

March 27, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the last two years. We’re so pleased to hear you’ve had such a positive experience!

Rated 5 out of 5 stars

Mortgage advice for a New Build Property

I reserved a new build property at the turn of the year and the developer recommended Heron Financial to me. I’m very glad they did! Dalia was assigned to my case and throughout she was very friendly, quick to respond and always happy to help. She really worked with me when the property was undervalued and helped me achieve the best outcome. Similarly, Leona was assigned to my case after the Mortgage was all agreed and she also went above and beyond to keep me informed with every step. Nothing ever seemed to be any bother and I’m super grateful to them both. Can’t recommend them, and Heron financial, highly enough.

March 25, 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 Leona were able to support you so well throughout your new build mortgage journey!

Rated 5 out of 5 stars

Thank you!

The team at Heron Financial have been incredibly supportive throughout the mortgage process. Kane always kept me up to date when needed and explained everything clearly to me at every stage.

March 18, 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 were able to support you throughout the mortgage process, and that Kane kept you well updated!

Rated 5 out of 5 stars

We’ve used Heron Financial from the…

We’ve used Heron Financial from the very beginning of our mortgage journey and have gone through several remortgage processes. Our experience has been fantastic, they’ve been very useful and on top of our case all along. Kane and Leona have been outstanding.

March 22, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust throughout your mortgage journey. We’re so pleased to hear Heron Financial has been able to support you from the very beginning and through several remortgages along the way!

Rated 5 out of 5 stars

Consistently excellent

We’ve worked with Kane for the past 4 years, and the service has been consistently outstanding. He has made every step of the process clear, stress-free, and tailored to our needs. His knowledge, responsiveness, and genuine care really provides us with confidence. We couldn’t have asked for better support securing our mortgage and highly recommend.

March 20, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the past 4 years. We’re so pleased to hear Kane has consistently provided such outstanding support!

Rated 5 out of 5 stars

Easy to talk to…

So far I’ve been very impressed with Heron. They are easy to talk to and genuinely seem to have our best interests at heart. I trust them to find the best deal for us going forward.

March 16, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear you’ve been so impressed with Heron so far and that the team have been easy to talk to throughout!

Rated 5 out of 5 stars

Excellent service!

Brennan and Chloe have been so helpful at giving me advice and not only providing information but also breaking it down for me to understand better. Being a first time buyer is quite overwhelming but they've made the process really seamless!
I appreciate that they're always on hand if I have any questions and they've been great with their communication.

March 2, 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Brennan and Chloe have been able to make your first-time buyer journey feel more manageable and less overwhelming!

Rated 5 out of 5 stars

The whole process has been easy and…

The whole process has been easy and we’ve been kept up to date with all that’s happening thank you all involved for keeping it simple

March 13, 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear the whole process felt easy and that you were kept up to date throughout!

Rated 5 out of 5 stars

Exceptionally friendly and professional…

Exceptionally friendly and professional service. The mortgage application process was smooth, efficient, and far better than I expected. Truly the best experience I’ve had applying for a mortgage.

March 12, 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 service both friendly and professional, and that your mortgage application process felt smooth and efficient throughout!

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