LM High Res White


“Lakes Mortgages has taken care of my mortgage needs over a long period of time. This has included home and buy to let, my mortgages, re mortgages and my daughter’s mortgage more recently. I’m very satisfied with the outcomes and pleased with the excellent personalised, professional service provided by Phil and his staff. Joanne is great at maintaining communication in the office and helping the processes to run smoothly. I can highly recommend Lakes Mortgages. ”

Susan of Durham

“We have used Phil and Lakes Mortgages for our mortgage requirements quite a few times. We have always received prompt friendly professional service. They take the worry out of sorting a mortgage and ensure that they listen to you in order to suggest the best deal for you  I am very happy to recommend them.”

Alec & Karen of Ulverston

“We were extremely impressed with the service we received from Lake Mortgages and what should have been a very complicated mortgage process proved to go with real ease considering the nature of our needs. Through every step of the way, Lake Mortgages were there to offer advice, keep our minds at rest and assure us of our journey to becoming home owners for the first time. When we initially contacted Phil, at Lake Mortgages, owning our own home seemed like pipe dreams for us as we had been renting properties for 15years. However, with the excellent support of Phil and Jo we were able to realise our dreams and now have our own home. We had a few bumps on the way, due the complication of our mortgage needs, but Phil and Jo were always on the other end of the line reassuring us and keeping the process moving. In addition to getting a fabulous fixed rate deal, we also have excellent life insurance packages that provides excellent cover to ensure our property will provide us with a happy family home for years to come. We would highly recommend Lake Mortgages and will be contacting them at the end of our fixed rate to get another fabulous deal. ”

Kim & Lee of Herne Bay

“I first came across Lakes Mortgages via an internet search for an independent mortgage advisor. We were thinking of purchasing an investment property and wanted some commercial and objective support. We subsequently met Phil Bovis, who, through his considerable breadth and depth of experience provided far more support than just access to competitive mortgage and insurance support. He has since assisted me with the purchase of a number of rental properties and also the remortgage of my main home – all at considerable financial benefit over the rates available over the counter at high-street lenders. We continue to use Lakes Mortgages and have recommended them to a number of friends and work colleagues. ”

Alistair of Arnside

“I’m writing to express my thanks for all the work you did in relation to my mortgages and protection policies during my move last summer. Your relaxed and professional manner is very reassuring during times of stress and I was impressed with how far you went to find the most suitable products for my circumstances. You explained everything in ways I could understand and have been particularly tenacious in smoothing out any issues arising. The various requirements I had were successfully managed by you and Joanne who also helped make the process smooth and straightforward and was always a pleasure to deal with. I have and will continue to recommend you to others and won’t hesitate in coming to you again when the need arises. Thanks again for helping to make a difficult time much easier. ”

Carl of Lancaster

“Lakes Mortgages was suggested to us via a friend after having difficulties securing a mortgage. After trying several other mortgage brokers who gave us little or no hope we had our reservations. However, we bit the bullet and contacted Lakes Mortgages, Phil was extremely helpful, open and honest with us. Our situation was complex and we knew it wouldn’t be straight forward, however Phil promised he would do his best for us and he did just that! He was in frequent communication with us along the way, he made the process as stress free possible, finding us the best lender for our situation and a price that was affordable. We now own our own home and couldn’t be happier, it took a long time to get to this point but without Phil and the team at Lakes Mortgages it would never have happened. We can’t thank them enough. “ 

Laura of Preston

“We were looking to release equity from our property and contacted a number of providers all of whom were prompt and professional in their contacts with us. They all provided the required information in answer to our questions. Phil and his team from Lakes Mortgages "stood out from the crowd" in a competitive environment. Many providers are tied to one particular company's packages whereas Phil is not. He was able to successfully find a package that suited us and our particular needs rather than adapting our needs to suit a particular package. All through the process Phil and his team were "on the ball", they rang or visited as required and moved things forward smoothly and quickly. We would have no hesitation in recommending Lakes Mortgages to anyone. ”

Ian & Shirley of Furness

“We have been delighted with the service form Phil and Lake’s Mortgages – Phil has been proactive in finding and recommending the most appropriate products, has scheduled follow ups on a regular basis and has ensured that transitions between products at end of deal dates have been smooth and efficient. Phil’s services have saved us thousands of pounds since we have made use of them, and we have benefited from Phil’s services on our buy to let property as well and have recommended Phil and the team to friends and colleagues”. ”

Howard & Paula of St Bees

“Phil has been looking after our Mortgage requirements for the last 6 years. The service he provides is fantastic, very professional, very friendly, it’s hard to see us going elsewhere. Many thanks Phil.”

Mark & Michelle of Carlisle

“We bought our first house in March 2016 and Lakes Mortgages could not have been better. Phil made getting a mortgage so easy and it was one less thing for us to think about as he just sorted it! He got us a great mortgage which meant we could buy our 'forever house'. When our first mortgage came to an end, he sorted us another (just like that)! We cannot thank Lakes Mortgages enough!" 

Neil & Melissa of Penrith