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……

  • 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

  • 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 is a fantastic financial advisor. Being self-employed I had battled to get a mortgage. Thanks to Lakes Mortgages I was able to secure and sort an affordable plan with NatWest. The help and advice throughout made it straightforward and easy. I highly recommend!

    Gemma Smith - Kendal – 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

  • I would recommend Lakes Mortgages - they are efficient and easy to deal with. Being self-employed I was unsure what financial products would be available to me - Lakes Mortgages were confident from the outset and more than delivered for me. It was refreshing to deal with such a “can do” team. The team at Lakes Mortgages provided us with a top class service. They were happy to go the extra mile and quickly delivered the financial products we required; products which exceeded our expectations, especially in these tricky financial times. I would highly recommend Lakes Mortgages.

    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

  • THANK YOU just does not convey our feelings on this. You have been amazing - and tireless in your pursuit of issue of our Mortgage Offer.

    Paul & Clare of Warwick - January 2021

  • Thank you both so much for everything you have done. We really appreciate it. The service we received was excellent!

    Jessica & Luke of Morecambe – December 2020

  • Lakes Mortgages provided me with the most professional, very quick response service.
    Nicola was very keen with trying to push my purchase as quick as we could under my current circumstances. Any questions / worries I had - I felt comfortable enough to ring Nicola and had the confidence of her knowledge within her role. My family have all dealt with Lakes Mortgages as the service we have all received from Phil is great. I will be continuing to use / recommend Lakes Mortgages to family & friends. Thanks again Phil & Nicola!

    Anna of Workington - December 2020

  • As first time buyers applying for a mortgage was quite a daunting task. However, with clear advice and guidance from the team at lakes mortgages the process was made easy and was sorted very quickly. We can’t thank Phil and his team enough.

    Caolan & Anna of Penrith – December 2020

  • “My wife and I have been using Lakes Mortgages for 8 years. Phil and his team have never been anything other than helpful and extremely professional. Phil always takes his time to explain options and offer expert advice to guide you down the right path, nothing is ever too much trouble. In our opinion Lakes Mortgages offers a great value for money service. Their knowledge of the market is second to none and we never hesitate in recommending their services to friends and family“

    James & Kayley of Preston – December 2020

  • “I have recently inherited funds from my late Mother’s Will and decided, after recommendation, contacted Lakes Mortgages. I have, after discussion with Phil Bovis, decided to go forward with the equity release option. This was explained fully to me with some ‘breathing time’ to consider. The continuing process has been extremely professionally dealt with by Nicola Copley. She has kept me informed every step of the way, following up on communications between the mortgage providers and solicitors.
    This whole process has been a challenging time, notwithstanding Covid restrictions, but Lakes Mortgages have been outstanding. Thank you.“

    Jill of Whitstable - November 2020

  • “I wanted to thank you for all that you did to enable our re-mortgage to go through and the support that you provided me with in overcoming the difficulties that were encountered. I feel that you went over and above what is the norm and you were extremely calm and sensitive with my anxieties. You ensured towards the end that daily updates were provided and you chased were necessary in order to receive these to provide the reassurance that was required. Your customer service is outstanding and you were a pleasure to deal with and I will have no hesitation to get back in touch when my next re-mortgage is due (hoping for an easy one this time) or indeed if I need to come back sooner with an outstanding issue with the builder… anyhow that’s for another time! Take care and all the best to you and Joanne“

    Catherine & Neil of Carlisle – November 2020

  • I would like to say a big thank you for all your help in successfully getting me my Equity Release Mortgage. With your expert professional advice and knowledge you were able to get the mortgage required at an excellent interest rate and terms. My first contact with you gave me the confidence I needed to deal with your company. You also kept me informed on every step of this application which was so important to me. It was a pleasure working with you. You always explained everything in detail, making sure I understood the whole of the process in applying for this mortgage. It made the whole process very satisfactory. I would have no hesitation in recommending you through Lakes Mortgages to any potential client. Thank you again.

    Val – Herne Bay – October 2020