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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)

259 reviews in the last 12 months

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Rated 5 out of 5 stars

Would Recommend

I cannot recommend Heron enough if you're looking for a new mortgage - Don looked after us from start to finish and was so thorough in explaining the products and our options. He found us a better deal than we could find ourselves and made the process so easy and stress free.

February 6, 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 support you and help make the process feel easy and stress free!

Rated 5 out of 5 stars

Don Scott and colleagues were…

Don Scott and colleagues were incredibly helpful. They supported us and gave us the best possible advice. At no point did we feel that we were a commission based client. It was a fantastic service that benefited us positively.

January 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 and the team were able to provide such helpful support and advice throughout!

Rated 5 out of 5 stars

First class service from Heron Financial

First class service from Dalia, Zara and the team. They were all super efficient and responded to all my emails and calls really quickly. We had no issues with any of the paper work thanks to them, the process was much less stressful thanks to them. I would definitely recommend Heron!

January 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Dalia, Zara and the team provided such efficient support throughout and helped make the process feel much less stressful!

Rated 5 out of 5 stars

Me and my partner purchased our first…

Me and my partner purchased our first home last year using the services of Heron, in particular Don & Vinal.

Highly recommend to anyone going through the house buying process as they take a big weight off your shoulders

January 31, 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 Vinal were able to support you and your partner through your first home purchase and help make the house buying process feel that much easier!

Rated 5 out of 5 stars

Don was able to guide me and my partner…

Don was able to guide me and my partner through the process of buying our first home. Can’t thank him enough.

January 31, 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 guide you and your partner through your first home purchase and make the process feel well supported throughout!

Rated 5 out of 5 stars

Writing this review as a follow up to…

Writing this review as a follow up to my previous experience with Don at Heron Financial. We have used Heron twice both for a Remortgage and a new purchase.

Each time, we were never left in the dark with how the process was going. When the property we were buying fell through, we were able to move the process over to a new house without any issues.

Thanks again to Don and all the team at Heron

January 31, 2026
Unprompted review
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Reply from Heron Financial

Thank you for taking the time to leave this follow-up review. We’re so pleased to hear Don and the team were able to support you through both your remortgage and your new purchase, while keeping you fully informed throughout!

Rated 5 out of 5 stars

Joshua and Heron Financial very much recommended from my experience

Joshua at Heron Financial has been helping me remortgage, having had a good experience with Aimee 5 years ago. This time around, as before, I've found the service very efficient and would recommend them.

I am pleased with the product they recommended. Joshua has been attentive to my every question, and of course, it is a no fee service.

January 29, 2026
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 with your remortgage and provide the same efficient service you experienced previously with Aimee!

Rated 5 out of 5 stars

Josh has very helpful with our initial…

Josh has very helpful with our initial mortgage and remortgage. Regularly checking the market to get us the best rate and talk us through the process.

January 13, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Josh has been able to support you with both your initial mortgage and your remortgage!

Rated 5 out of 5 stars

Professional and efficient

Aiden was personably, professional and efficient. Cut through complexity and made everything easy for us,

October 1, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan provided such personable, professional and efficient support throughout!

Rated 5 out of 5 stars

Very professional service

Very professional service providing targeted and accurate financial advice.

January 29, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you found the service professional and the financial advice clear!

Rated 5 out of 5 stars

Aidan and Leona recently helped us with…

Aidan and Leona recently helped us with the remortgage process as our current mortgage deal was reaching the end of a five year deal. They went through all the information in detail before presenting us with different options. They prioritised looking at a deal which fitted with our needs/wants such as duration and cost and making sure the product was affordable for us. Once they confirmed the best deal available the application was submitted swiftly with an offer coming back within 24 hours. They made the process easy and seamless. Thank you so much for being so professional and helpful in what can be a stressful process. Highly recommend the team at Heron!

January 12, 2026
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Aidan and Leona were able to support you so well as your five-year mortgage deal came to an end, taking the time to explain everything clearly and present options that suited your needs!

Rated 5 out of 5 stars

I always use this company

I always use this company. such useful service with brilliant people.

January 28, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your continued trust and support. We’re so pleased to hear you always choose Heron Financial!

Rated 5 out of 5 stars

We've had a brilliant experience with…

We've had a brilliant experience with Heron Financial in dealing with our re-mortgage. We had a slightly bumpy initial route to our first mortgage with another mortgage broker and this has been so easy in comparison! Really knowledgeable and super helpful, Aidan and Leona have been communicative and informative every step of the way - we've actually enjoyed the process this time round! Would highly recommend!

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 Aidan and Leona were able to make your remortgage experience feel so much easier and more positive this time around!

Rated 5 out of 5 stars

Aidan and Leona | Wonderful Experience

We're halfway through our remortgage process, and Aidan and Leona have been incredibly helpful throughout, and we couldn't have asked for anything more. They've guided us through the process, kept us up to date, and have always been there to provide answers when we've needed them. It's been lovely having them help us along in this process.

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 Aidan and Leona have been so helpful throughout your remortgage process so far!

Rated 5 out of 5 stars

I worked with both Zara Arshad and Kane…

I worked with both Zara Arshad and Kane Powel and they were both amazing! Always looking out for my best interest, very knowledgeable, and most importantly in this area of work, very responsive and helpful for any query I had!

January 27, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Zara and Kane provided such knowledgeable and helpful support throughout!

Rated 5 out of 5 stars

This is my 4th time working with Heron…

This is my 4th time working with Heron and looking forward to many more. Always top notch, always responsive, works in the favour of the client, very friendly and forthcoming.

January 26, 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your continued trust and support. We’re so pleased to hear this is your fourth time working with Heron Financial, and it means a great deal to know you’ve consistently found the service responsive and friendly!

Rated 5 out of 5 stars

Really happy with the Heron team!

Recently used Heron Financial to sort our mortgage for us, and are super happy with the service we received! We started with Aimee who spent lots of time with us on the phone giving us advice, and a follow up call to look at potential rates and estimates of what we would be paying each month. She answered all questions we threw at her really clearly and took the time to explain things properly. Once we had decided to go ahead, Kane and Zara were then equally helpful at sorting everything out that we would need to get the mortgage process going, all the documents etc. They kept us well informed at all times via phone and email which we appreciated. They were very patient with us even when we decided to put a third application in which delayed the whole process a bit. Ultimately we have ended up with a successful mortgage application and we are fully clued up on all the questions we had, thanks to the team at Heron. We would definitely recommend. Thanks team!

July 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 Aimee, Kane and Zara were able to support you so well throughout your mortgage journey!

Rated 5 out of 5 stars

Always of great service and put Thier…

Always of great service and put Thier customers first interest first! Always find the best outcomes!

January 22, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you’ve found the service consistently helpful and customer focused!

Rated 5 out of 5 stars

Kept me updated at all times

Kept me updated at all times.
Made it easy an comfortable for a first time buyer.

January 21, 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you felt kept updated throughout the process!

Rated 5 out of 5 stars

Efficient and supportive service

Brennan, Zara and Vinal have all been hugely supportive throughout my mortgage application process - I have felt informed, been kept up-to-date, and communicated with efficiently at all times. They have been understanding to and ensured my needs were met.

January 13, 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Brennan, Zara and Vinal provided such supportive and efficient guidance throughout your mortgage application!

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