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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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Rated 5 out of 5 stars

5 stars service

Callum, Rachel and Chole have been super helpful and speedy throughout our whole mortgage process. They have been very professional and optimal in the assistance they provided to us.
Highly recommended to all our friends!

December 10, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum, Rachel and Chloe were able to support you so well throughout your mortgage process!

Rated 5 out of 5 stars

recommendable!

I had a really positive experience with Neve and Joshua. They were friendly, professional, and always quick to respond to my questions. The whole process was straightforward, and I felt supported from start to finish. I truly appreciate their help and would definitely recommend them to anyone looking for a mortgage advisor!

December 1, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Neve and Joshua provided such friendly and responsive support throughout the process!

Rated 5 out of 5 stars

Ailsa

Ailsa was super helpful, taking time to clearly go through all the types of income protection and mortgage cover and helping with the will writing process

December 4, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Ailsa was able to support you so helpfully!

Rated 5 out of 5 stars

Great mortgage advisors

Robyn & Joshua were great in dealing with our remortgage and making sure we got the best deal. Highly recommend!

December 5, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Robyn and Joshua were able to support you with your remortgage and help secure the right deal for your needs!

Rated 5 out of 5 stars

Flawless service and great advice

Flawless service and great advice!

Aidan and his team are amazing - we've just used HF for the third time and I recomend them to everyone. Always an email/phone call away, speedy responses and kind advice. No question is ever 'stupid' to them.

December 1, 2025
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 Aidan and the team have provided such helpful advice!

Rated 5 out of 5 stars

Kane has always been fantastic for us…

Kane has always been fantastic for us for the past 4 years. His knowledge and experience shines through and has helped us make some big decisions. Robyn has also been great and very friendly/kind during email and phone conversations and answering all my questions. Thanks so much all

December 4, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review and for your continued trust over the past four years. We’re so pleased to hear Kane and Robyn have helped you through some important decisions!

Rated 5 out of 5 stars

We were looked after

As a first-time buyer the whole mortgage process felt overwhelming at first, but Heron financial service made everything straightforward and stress-free. From the very beginning, they were patient, clear, and incredibly supportive. Brennan was our first contact and reassured us of our affordability, something we didn't get with other financial service. Robyn was organised, quick to answer and up to date with the process. We knew we were looked after.

Most importantly, they worked hard to secure a mortgage offer that truly suited our needs and budget. We felt completely looked after throughout the process.

We are now happily holding a mortgage offer, and we couldn’t be more grateful for their help. I would highly recommend them to anyone especially other first-time buyers who want guidance they can trust.

Thanks Robyn and Brennan.

November 24, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Brennan and Robyn were able to make your first-time buyer mortgage journey feel clear and less overwhelming!

Rated 5 out of 5 stars

The service from Callum and Robyn has…

The service from Callum and Robyn has been exceptionally good. Been a customer with Heron for over 6 years and still believe they provide the best products.

December 1, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your continued trust and support over the past six years. We’re so pleased to hear Callum and Robyn have provided exceptionally good service!

Rated 5 out of 5 stars

Impressed with how customer focused they are

I’ve recently secured my remortgage with Heron and I was really impressed with how customer focused they are. I had the pleasure of speaking with Aidan Broom, Robin Dawson and Oliver Jordan, each one of them were knowledgable, professional and kind. They took the time to fully understand my personal circumstances and gave clear advice. The application process was easy to complete within the portal but if I had any questions I was able to speak to an adviser easily. The progress of my mortgage was managed well and I was communicated to regularly. I was also presented with some cost efficient insurance products to consider again inline with my personal circumstances.

Would highly recommend Heron for a supportive handholding experience.

November 28, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such a thoughtful review. We’re so pleased to hear Aidan, Robyn and Oliver provided such professional and kind support throughout your remortgage journey!

Rated 5 out of 5 stars

Brilliant support in multiple areas!

I've used Heron Financial since I bought my first home. Their mortgage broker team are great! I've also been using their insurance team as well to cover my life insurance and income protection plans. Anais has been really helpful and communicative, even when I get super busy and work and don't respond for ages - she's been really patient with us!

December 1, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review, it’s great to hear our mortgage broker and protection teams have both been able to help along the way. We’re especially glad Anais has provided such communicative support!

Rated 5 out of 5 stars

Helpful and patient

Aidan and Robyn are always helpful, professional, personable and extremely patient. They're very responsive and easy to deal with. I'd highly recommend them and their services.

December 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 and Robyn have been consistently helpful and patient throughout!

Rated 5 out of 5 stars

Great Support and Expert Advice Every Step of the Way

I’ve had a fantastic experience working with Anais. She is a true professional, always approachable, and answers the call or returns your call, willing to help and happy to offer expert advice whenever needed. She keeps in touch regularly, sends reminders when policies are about to expire, and follows up to ensure everything is satisfactory. Anais consistently goes above and beyond, and I would highly recommend her and her team at Heron Financial.

November 11, 2025
Unprompted review
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Reply from Heron Financial

Thank you for such thoughtful feedback. We’re really pleased to hear Anais has provided such approachable and professional support!

Rated 5 out of 5 stars

Kane, Rachel and the Heron team are fantastic!

We have been using Heron Financial for our mortgages for the past two years. We find the team to be knowledgeable, helpful and always able to find great deals. Nothing is too much hassle and the approach of both Kane and Rachel, who manage our remortgages, is second to none. It’s a pleasure working with Heron.

November 27, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear that Kane and Rachel have provided such knowledgeable and helpful support throughout your remortgage journeys!

Rated 5 out of 5 stars

Fantastic service

Fantastic service, advice is brilliant, Especially Aidan and Neve, without your support this process would have not have been a lot more challenging.

November 26, 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 Neve were able to support you so well throughout the process and help make everything feel more manageable!

Rated 5 out of 5 stars

Couldn’t have gone through the house…

Couldn’t have gone through the house buying process without the support from Aidan! He was there to answer all my questions with a speedy response, and went the extra mile to help me when there were difficulties! :)

November 26, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Aidan was able to support you throughout your house buying journey!

Rated 5 out of 5 stars

Highly recommend

I've used Heron multiple times since 2018 (when I was a first-time buyer) and they've always been very helpful, knowledgeable and professional. Most recently I've been looked after by Brennan Goodwin and Robyn Dawson and they've been a pleasure to deal with.

November 24, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your continued trust and support since 2018. We’re so pleased to hear Heron Financial has been able to support you from your first-time buyer journey through to more recent mortgage needs!

Rated 5 out of 5 stars

Joshua and Rachel the best

Joshua and Rachel were friendly, kind and patience with me. Joshua got me the best mortgage offer. Thank you.

November 11, 2025
Unprompted review
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Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Joshua and Rachel were patient throughout the process!

Rated 5 out of 5 stars

Aiden and Rachel from Heron Financial…

Aiden and Rachel from Heron Financial have been nothing but amazing with our experience. I have and would always use them whenever we require their services, have recommended them to friends of they ever require the services.

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 such a positive part of your experience with Heron Financial!

Rated 5 out of 5 stars

Could not fault the experience we have…

Could not fault the experience we have had with Aidan and Rachel. The support, advice and communication have been amazing, both have done everything they can to fix any issues that occurred and were always so quick to answer any questions we had. Everything that they have done for us have been with our best interest at the centre of it.

November 21, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for such a lovely review. We’re so pleased to hear Aidan and Rachel provided such amazing support and advice throughout your process!

Rated 5 out of 5 stars

The remortgage experience made easy

The remortgage experience is often a chore - however Heron Financial advisors Zara and Brennan have made the entire experience a breeze; always helpful, approachable and happy to offer and discuss the most suitable options. We would be more than happy to choose their services again in the future.

November 20, 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Zara and Brennan were able to make your remortgage experience feel so straightforward and stress-free!

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