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……


Ground Floor Office,

Quarry Warehouse,




LA7 7HG)

Call Us: 01539 563697

Email Us: [email protected]


Lakes Mortgages is directly authorised and regulated by the Financial Conduct Authority under reference 605694. Registered in England and Wales No: 8633133. Registered Office: Ground Floor Office, Quarry Warehouse, Sandside, Milnthorpe, Cumbria, LA7 7HG. Calls may be recorded for training and monitoring.