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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)

260 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Excellent service from start to finish

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.

January 9, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Dalia and Rachel provided such clear and helpful support throughout your experience!

Rated 3 out of 5 stars

Deleting my account today

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.

January 9, 2026
Unprompted review
Rated 5 out of 5 stars

We were helped by Zara and Kane who…

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.

January 4, 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 were able to support you professionally and guide you through every step of the process!

Rated 5 out of 5 stars

Dalia & Robyn are extremely helpful…

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.

January 5, 2026
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for choosing Heron Financial again. We’re so pleased to hear Dalia and Robyn have once again provided such helpful support!

Rated 5 out of 5 stars

It was great working with Heron on the…

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

December 8, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your kind review. We’re so pleased to hear you had a great experience working with Heron!

Rated 5 out of 5 stars

Competent, friendly and supportive

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

December 31, 2025
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 have provided such informative and supportive guidance throughout your remortgage journey!

Rated 5 out of 5 stars

Don & Robyn made the process super…

Don & Robyn made the process super simple when remortgaging. Very grateful

December 12, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don and Robyn made your remortgage process feel so simple!

Rated 5 out of 5 stars

Excellent service 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!!

December 30, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Joshua and Robyn were able to support you so well throughout the process!

Rated 5 out of 5 stars

I had an excellent experience with…

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!

November 21, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such a thoughtful review. We’re really pleased to hear Callum and Robyn made your mortgage application feel manageable and well supported throughout!

Rated 5 out of 5 stars

Outstanding

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.

December 29, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Robyn and Josh were able to make your remortgage feel straightforward and reassuring throughout!

Rated 5 out of 5 stars

My experience with Heron has been…

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.

December 22, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear your experience with Heron Financial has been such a positive one!

Rated 5 out of 5 stars

Would recommend!

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

December 1, 2025
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 helpful!

Rated 5 out of 5 stars

Would definitely recommend

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

December 20, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Kane and Zara were able to help with your new mortgage and make the process feel so straightforward!

Rated 5 out of 5 stars

⭐️⭐️⭐️⭐️⭐️


⭐️⭐️⭐️⭐️⭐️
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.

September 8, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Kane, Robyn and Oliver were able to make your mortgage journey feel smooth and stress-free!

Rated 5 out of 5 stars

Expert support

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.

December 15, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan and Rachel were able to support you and your partner so well!

Rated 5 out of 5 stars

Our mortgage advisers

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

December 15, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Kane and Robyn provided such excellent support throughout your mortgage journey!

Rated 5 out of 5 stars

amazing efficient team

amazing efficient team, easy to communicate

December 10, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your kind review!

Rated 5 out of 5 stars

Really good experience with Zara and…

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.

December 12, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Zara and Callum were so helpful and responsive throughout!

Rated 5 out of 5 stars

Keen to help!

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.

December 1, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your continued trust and support. We’re so pleased to hear Kane has been able to help you through three renewals in a row!

Rated 5 out of 5 stars

Fantastic Customer Service

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

December 12, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

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

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