At Lakes Mortgages, we understand that everyone is different, and that's why our approach to mortgages is as individual as you are. We provide specialist, trusted and local advice when you need it most. Lakes Mortgages are 'whole of market' experts which means we can find you the most exclusive and best deals for your mortgage and of course, any protection needs. We work hard to combine traditional values with a contemporary, friendly approach.

Phil Bovis has 25 years experience and has been looking after clients since 1996, specialising in Cumbria, Lancashire and the Western Dales but in fact has clients all over the whole of the UK. With extensive experience in mortgages and protection, Phil and his team are committed to providing a level of service that we’d expect to receive ourselves. With an unrivalled knowledge of the local market, together with our professional yet friendly manner, we are extremely well placed to meet your mortgage needs.

Why Lakes Mortgages?

Our testimonials speak for themselves; we're a well-established business with 25 years’ worth of experience in securing mortgages. We're friendly and approachable with a strong focus on working for our clients, not the Lenders. We go that extra mile to secure the best mortgage for you, with a process that keeps you advised every step of the way.

Local People

Our team is made up of local people, who know the area well and have built up a good relationships with clients throughout Cumbria and beyond! We are proud to have clients who consistently return to us for advice - and who consistently recommend new ones.

Great Communication

Communication is so important! We keep in touch throughout the process and are always here to answer any questions you have. Mortgages aren't easy to understand so we are happy to help in any way we can.


Applying for a mortgage can be overwhelming so we promise to provide a trustworthy, confidential and helpful service. Our reputation has been built on these values and it’s something we’re so proud of - our return clients are a testimony to this!


We listen to you and your needs as we understand that everyone is different. We pride ourselves in exceeding your expectations of a mortgage broker and being able to find products tailored to you.  Our advice doesn't stop at mortgages, we can help every step of the way, in all areas of the transaction - any questions, just ask!


Yes we are! We're motivated and enthusiastic as it's great for us to see clients happy at what we can achieve for them, there's simply no better compliment. Arranging a mortgage can be a good experience…honestly!


We don't stick to a 9 to 5 schedule as we know so many of you can't - life doesn't always work that way.  Flexibility is as important to us as it is to you – we fit in around you and are more than happy to see you at times that suit you.  If it helps, we can see you at weekends to help make things that little bit easier.

What people say about us……

  • Phil has been our Mortgage broker for the past 4 years, once again he has delivered an amazing service from application to completion. Nicola has kept us informed throughout the process, answered any queries and supported us through the process, she will be glad to stop receiving any more emails from us! We simply cannot fault the service Lakes Mortgages Ltd offers. Whatever your circumstance, they will do their uppermost in supporting you and getting you the best deal. We will never look anywhere else.

    Colin & Laura of Lytham – November 2021

  • From the start of my enquiry to the completion stage of my sale, Lakes Mortgages have processed all my paperwork in a timely manner and kept me up to date every step of the way. I cannot fault their professionalism and can highly recommend their service..... they are definitely a company who go the extra mile.

    Gillian of Workington – October 2021

  • Thank you so much for all your help, you've been so patient with me! Really took the stress off, especially when those emails weren't coming through from the Solicitors. You've been brilliant. We look forward to doing business with you in the future.

    Jaymie & Stephanie - Morecambe – October 2021

  • This is the second time I've used the services of Lakes Mortgages and as usual have enjoyed a professional and efficient experience. Phil and Nicola continue to be able to do the things that other Mortgage advisor’s can't. I will no doubt be a returning customer and will look forward to working with them a again in the future.

    Andy & Natalie - Middlesborough – September 2021

  • We came to you from a previous recommendation and we are extremely happy with the service from all involved. Everything was done very easily, quickly and efficiently, with good communication and advice . We are now very proud house owners, thanks to yourselves and would definitely recommend you to others.

    Martin & Linda - Kendal – September 2021

  • Having heard about Lakes Mortgages throught a friend l was instantly impressed. Phil and Nicola made everything sound so simple, and always kept you up to date and in the picture with what was happening. Thank you for all your help. I would highly recommend Lakes Mortgages to anyone.

    Christopher - Ulverston – August 2021

  • Amazing service! Highly recommended! We met Phil 2 years ago when he became our financial advisor helping us arrange our mortgage for mine and my partner's forever Home. He was informative and arranged everything on our behalf making it a stress free process. We have just remortgaged after having a 2 year fixed deal, and again Phil and Nicola arranged everything on our behalf keeping us informed through the whole process. We can’t recommend Lakes Mortgages enough as the customer experience is EXCEPTIONAL! Thank you for all your help and we look forward to your service again in the future.

    Harry & Nicola - Penrith – August 2021

  • Absolutely fantastic service from both Phil and Nicola. Always available for any questions and kept me up to date throughout! Would highly recommend. Thank you so much again!

    Emma - Preston – August 2021

  • Huge thank you to yourself and Phil. The most stressful part of all of this was getting the hire van back for 5pm yesterday so I’d say it was the easiest purchase we will ever do! That’s all down to you guys!

    Liam and Ella - Ulverston – July 2021

  • Friendly and knowledgeable service provided. The team worked efficiently to find the best suited advice for me.

    Callum - Ulverston – July 2021

  • Excellent service, have used Phil at Lakes Mortgages for years now and wouldn't go anywhere else, would highly recommend!

    Paul and Karly - Whitehaven – July 2021

  • Due to Covid, being self employed and SEISS grants, obtaining a mortgage was proving impossible. I had approached 2 different mortgage brokers before Lakes Mortgages and both said they could not find anyone that would give me a mortgage. We were so close to giving up on the purchase but found Lakes Mortgages through an online search and decided to have one last try. I wasn’t very confident when I discussed my circumstances with Phil but before I knew it he got back in touch to say he had managed! My only regret was that I didn’t find Lakes Mortgages earlier! As a first time buyer I had no idea what I was doing but the communication, advice and service from both Phil and Nicola was second to none, they answered all of my questions (I had lots!) and they didn’t once make me feel like I was a nuisance. I will definitely recommend them to everybody I can. Thankyou both so very much, you will be my first port of call in the future!

    Emma - Millom – July 2021

  • Huge thank you to Phil & Nicola for all the help and support throughout the mortgage process. A truly first class service, moving very quickly from initial contact to full application even under troublesome circumstances. We cannot thank you both enough. Would recommend anybody needing mortgage advice seeks out Lakes Mortgages.

    Michael - Milnthorpe – July 2021

  • The assistance and advice we had from Lakes Mortgages was excellent from the initial consultation, to the final days before completion. I really don’t think we could have achieved our purchase without your professional assistance. Many thanks!

    Diane & Robert - Barrow – June 2021

  • Hi Phil. Just wanted to give you an update! We have today collected our keys 🏡 just wanted to say a massive thank you to yourself and Nicola for all your help and support through out the process! 3 months ago we didn’t think this was possible and you helped make it possible for us! So thank you so much!

    Stacey and Nathan of Kendal – June 2021

  • Big thanks to both Phil and Nicola for their help. Being self-employed I would have struggled to get a mortgage but with the help of Lakes Mortgages I was accepted and all went through smoothly. I answered some questions, provided a few documents and Phil and Nicola did the rest. I was kept informed throughout with any queries answered within the hour. Couldn't have been any easier. Fantastic service and highly recommended

    David & Helen - Whitehaven – May 2021

  • I would just like to say thank you to Lakes mortgages. Lakes have shown me opportunities that I had never considered. To put it plainly, I now have 2 properties. Phil was extremely professional and knowledgeable and Nicola was exceptional in her efficiency and manner in consistently following my application. A very personal, confidential service that gives me the confidence to rely on Lakes for the future.

    Matiss & Jennifer - Shrewsbury – May 2021

  • Amazing experience from start to finish. Whole team are very experience and fast at responding. Within 48hours of initial contact I had movement on my case and a deal in the pipeline. Very impressed with the way everything was handled. Would definitely recommend and use again.

    Adam - Croydon – May 2021