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.
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.
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.
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.
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
Phil and Nicola at Lakes Mortgages are a very professional, efficient and friendly team. They work perfectly together. Communication is exceptional.My situation was not straight forward but having sought advice from at least six other companies, who made me feel demoralised, I have to be honest I was very sceptical to try again.......but then I was recommended Phil at Lakes Mortgages. Phil put my mind at rest during our first phone call and although there were some ups and downs along the way, Phil persevered and kept his promise that he could help me remortgage and he did just that, my life has changed for the better. I will never be able to thank Phil and Nicola enough for all their hard work to complete my remortgage. Professional and friendly advice and both with an approachable manner. Nothing was too much trouble and they were very reassuring throughout the process. Keep up the good work Phil and Nicola!
Fiona - Ulverston – April 2021
I’m a first time buyer and when I saw a house that I liked and wanted I didn’t have a clue where to start looking for a mortgage. I didn’t know how much I would be able to borrow due to my circumstances, what type of mortgage to go for etc. Lakes Mortgages were recommended to me by a friend so I got in touch with Phil who advised me of the best options and made the application. Once the application was approved Nicola took over and helped me through every step of the journey, chasing up documents, assisting with queries and just generally being helpful and supportive. I couldn’t have done this without them. I will definitely be using Lakes Mortgages going forward for remortgaging.
Barbara - Manchester – March 2021
Best thing I ever did, just wish I found Lakes Mortgages earlier. My wish was to decrease my mortgage in years at a pace I can afford, Lakes Mortgages has enabled me to do this ensuring that the amount is budgeted at the right rate for me with the reassurance that it can be adjusted accordingly should my circumstances change, therefore giving me the peace of mind. If you have a question, then they are a phone call away and always happy to help, nothing is too much trouble. Thank you Phil and Nicola for an excellent service.
Judith - Maryport – March 2021
“Phil & Nicola were fantastic. They are very knowledgeable and always available to answer any question or query. I would highly recommend Lakes Mortgages for all your mortgage needs.”
Ciaran and Aimee - Kent – March 2021
Karl and Sam - Ulverston – March 2021
“I spoke to Phil Bovis and after a brief telephone conversation to collect the relevant information, he quickly came back to me with a suggestion that sounded very promising. I instructed Phil to start negotiations on my behalf and within a week I had the outlines of a great fixed rate Mortgage deal for the entire 5 years. All the necessary paperwork and administration was conducted via email and the fees I was charged were less than half the (proposed) banks fees. The entire process was easy and I was kept regularly informed of the progress in an efficient and timely manner. My re-mortgage has now completed and I am happy to recommend Lakes Mortgages as a very friendly, efficient and economical Mortgage adviser. Of course, everyone's requirements are different but I am extremely pleased with the service and attention I received as soon as I made contact with Phil and Nicola.”
Stephen of Grange-over-Sands – January 2021
Suite 3B, Holmere Hall, Dykes Lane
Lakes Mortgages is directly authorised and regulated by the Financial Conduct Authority under reference 605694. Registered in England and Wales No: 8633133. Registered Office: Suite 3B, Holmere Hall, Dykes Lane, Yealand Conyers, Carnforth, Lancashire, LA5 9SN. Calls may be recorded for training and monitoring.