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

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Created with AI, based on recent reviews
Written by the company
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.
207 Cardinal Point, Park Road, WD3 1RE, Rickmansworth, United Kingdom
Asks customers to review
This company invites their customers to review, whether positive or negative
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
I’ve had a great experience working with Heron Financial, particularly with Dalia and Rachel. Communication has been clear and they’ve taken the time to explain everything in a way that’s easy to understand.
I wouldn’t hesitate to recommend them to anyone looking for reliable and knowledgeable mortgage advice.

Reply from Heron Financial
Update: Received a call from Heron to followup on this issue, which is appreciated, but it can't change what happened.
Deleting my account today. I had to get a mortgage with them and ended up on a worse deal then ideal because adviser went on holiday without updating my deal or assigning someone else.
Their online portal is useless because it doesn't properly adjust for prepayments. I can't event update remaining mortgage value manually. So the alerts for better deal are useless for me.
There are tons of online calculators that work much better.
We were helped by Zara and Kane who were very professional and helped us through every step. Would definitely use and recommend their services to everyone.

Reply from Heron Financial
Dalia & Robyn are extremely helpful finding me the best deals with plenty of time to still switch if a better one comes along. Great service from both parts once again.

Reply from Heron Financial
It was great working with Heron on the purchase, and the offer was issued quickly. Thank you

Reply from Heron Financial
We've had a such a great experience from the start with Heron Financial and especially Dalia and Leona. Even from the initial phonecall, they've been informative, helpful, friendly, very personable and have helped us so much. I know that I can send an email or make a quick phonecall to ask a question and they will try their best to answer it and provide a solution. Dalia and Leona have been our advisors throughout our remortgage journey and we can't thank them enough for being supportive and making it as easy and achievable as it has been. Thanks

Reply from Heron Financial
Don & Robyn made the process super simple when remortgaging. Very grateful

Reply from Heron Financial
Excellent service from Joshua and Robyn. A few hurdles to jump with obtaining the mortgage offer as we needed to change lender, but both Joshua and Robyn did everything possible to secure the offer and kept us updated throughout the process. Receiving the offer just before Christmas which was great!
Thank you both!!

Reply from Heron Financial
I had an excellent experience with Heron Financial from start to finish. Callum and Robyn managed my mortgage application with incredible professionalism, keeping me updated at every turn and making what is usually a stressful process feel completely manageable. Additionally, Ailsa was fantastic with the insurance side, providing clear guidance that gave me real peace of mind. All three took the pressure off a major part of my house-buying journey. Highly recommended for their proactive communication and expertise!

Reply from Heron Financial
Robyn and Josh were outstanding in helping us secure our remortgage. Their knowledge, efficiency, and clear communication made what can often be a daunting process feel straightforward and reassuring. They were always approachable, quick to respond, and proactive in finding the best possible solution for us. We really appreciated the transparent, fee-free service and the personal touch throughout. An excellent experience all round—wouldn’t hesitate to recommend them to friends and family.

Reply from Heron Financial
My experience with Heron has been nothing but a pleasure and I would personally like to thank Zara and Brennan for their continuous support and guidance through the process of my remortgage.

Reply from Heron Financial
Helpful and reliable, got everything done, good comms by email and phone - would recommend!

Reply from Heron Financial
Kane and Zara were really helpful with getting our new mortgage. Super friendly, quick to respond and answered all of our questions.

Reply from Heron Financial
⭐️⭐️⭐️⭐️⭐️
I can’t thank Kane, Robyn and Oliver enough for helping me and my partner secure our mortgage! From start to finish, they made the entire process smooth and stress-free. They took the time to explain every step, answered all my questions promptly, and found the best deal for my situation. I highly recommend Heron to anyone looking for a reliable and knowledgeable mortgage professional.

Reply from Heron Financial
Aidan Broom and Rachel Lewis have been extremely helpful to my partner and I as we navigated the plan for our mortgage on our new house. Always very prompt responses, easy to digest information and very knowledgable. We felt / feel at ease throughout the process with their expert support.

Reply from Heron Financial
Our mortgage advisers, Kane and Robyn, were excellent.
Kane was always helpful in discussing different deals and providing support throughout the process.
Robyn was consistently helpful in following everything through and keeping us updated.
We highly recommend this company

Reply from Heron Financial

Reply from Heron Financial
Really good experience with Zara and Callum. Really helpful, knowledgable and responsive. They answered all our questions quickly and were happy to chat everything through. Would highly recommend.

Reply from Heron Financial
I have used Kane at Heron financial for 3 renewals in a row. Hea always willing to help and try to achieve the best possible rates. I would highly recommend his service.

Reply from Heron Financial
The customer service from Kane and Zara has been nothing short of fantastic - from start to finish. Would highly recommend.

Reply from Heron Financial
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.