Banner for Heron Financial

Heron Financial Reviews 

2,309
TrustScore 5 out of 5

5.0

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 264 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their exceptional helpfulness, knowledge, and friendly approach, making interactions pleasant and productive. People frequently highlight the excellent service, noting its efficiency, professionalism, and ability to simplify complex processes. Reviewers appreciate the prompt responses and clear communication, which keeps them informed and makes the entire user experience smooth and stress-free. Many consumers feel well-supported throughout their journey, with staff going above and beyond to find the best deals and overcome obstacles. This consistent dedication ensures that even first-time buyers or those with complex situations feel at ease and confident in the company's support.

What people talk about most

Staff

Customers consistently note positive experiences with staff, highlighting their professionalism, efficiency,... See more

Service

Users describe positive interactions with service, consistently highlighting professionalism, efficiency, and... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting the professionalism, attention to... See more

Response time

People report positive experiences with response times, highlighting the team's responsiveness and efficiency... See more

User experience

Consumers find the user experience to be overwhelmingly positive, often describing it as brilliant, superb,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Kane, Zara & Travis have all been wonderful! Zara is always on it and very fast at replying, which is amazing! They truly have been fantastic and they managed to get us a much lower mortgage rate than... See more

Company replied

Rated 5 out of 5 stars

A very slick procedure from start to finish. Pointed in the right direction by George then advised by Gary finished off by Zara and new mortgage confirmed by Nationwide before the call was even over.... See more

Company replied

Rated 5 out of 5 stars

Callum and Chloe have been amazingly helpful in securing us a mortgage to allow us to buy the property we had found, despite a few obstacles being thrown in the way! Always friendly, cheerful, and rea... See more

Company replied

Rated 5 out of 5 stars

Aiden and Chloe take all the stress out of finding and securing a new mortgage. Clear information on choosing a best-fit product, followed with easy instructions to help you gather and load up the cor... See more

Company replied


Company details

  1. #9 of 88 best companies in Mortgage broker
  2. #3 of 228 best companies in Insurance agency

About Heron Financial

Written by the company

Fee-free mortgage brokers for the whole of the UK

Heron Financial is a fee-free, whole-of-market mortgage and protection broker based in the UK and certified B Corporation. Heron Financial specialises in mortgages for first-time buyers, self-employed clients, company directors, contractors, and borrowers with complex income such as commission, dividends, or variable earnings.

Our advice is fully fee-free. We manage the entire mortgage process from initial application through to completion, and continue to look after our clients beyond move-in, including future remortgages and protection reviews.

Heron Financial was founded in September 2011 by Matt Coulson. The aim was to build a digital-first mortgage broker that puts education at the heart of every client conversation. We help individuals and families make confident, well-informed decisions about their borrowing, their long-term financial wellbeing, and their environmental impact as a B Corp-certified business.

We specialise in complex cases. Our advisers regularly place mortgages for clients who have been declined by their bank or by other brokers, including self-employed applicants with one year of accounts, contractors paid on a day rate, company directors taking minimal salary plus dividends, and borrowers with variable or commission-based income. We have access to lenders across the high street, specialist, and private bank markets.

In 2026, Heron Financial was named a finalist in two categories at the British Bank Awards: Best Mortgage Broker and Best Ethical Financial Provider. Internally, we built Everglades, our own award-winning digital application system, to make the mortgage process faster and more transparent for clients. It is one of the reasons our clients tell us the process feels noticeably less stressful than going direct to a bank.

Our mission is simple: the right mortgage, without the stress.

If you'd like to find out what you could borrow based on your specific circumstances, use our mortgage calculator or get in touch for a free 15-minute consultation with an adviser.


Contact info

5.0

Excellent

TrustScore 5 out of 5

2k reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

5.0

All reviews

(2,309)

259 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

I’ve had the pleasure of working with…

I’ve had the pleasure of working with Aidan over the past few years, and I can honestly say the service has been exceptional from start to finish. His attention to detail is second to none, and he is always on the ball—proactive, responsive, and incredibly knowledgeable. He consistently goes above and beyond to ensure everything runs smoothly, which makes what can often be a stressful process feel straightforward and well-managed.

Zara, as case handler, has also been fantastic throughout. She keeps everything organised and on track, communicates clearly, and is always quick to help with any queries. Together, they make a brilliant team and provide a level of service that’s hard to find.

I wouldn’t hesitate to recommend Aidan and Zara at Heron Financial—in fact, I wouldn’t work with anyone else.

25 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your wonderful review and for your continued trust in Heron Financial over the years.

We’re delighted to hear that Aidan’s attention to detail, proactive approach, and expertise have consistently helped make the mortgage process feel straightforward and well managed!

Rated 5 out of 5 stars

Was an absolute pleasure working with…

Was an absolute pleasure working with Gary Holmes. Remortgaging took longer a few months longer than expecting but Gary was always there to provide advise and guidance to my circumstances whilst making sure to action swiftly to lock in the best rate available at that time. Highly recommend him!

8 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your kind review. We’re delighted to hear that Gary provided such valuable advice and guidance throughout your remortgage journey!

Rated 5 out of 5 stars

Kane & Chloe have been fantastic in…

Kane & Chloe have been fantastic in helping us secure our mortgage! Made everything simple and easy to understand and keeping all our worry’s at bay! Always there to support us with any questions or concerns we have had. Thank you so such!

22 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your lovely review. We’re delighted to hear that Kane and Chloe were able to help you secure your mortgage and make the whole process feel simple and easy to understand!

Rated 5 out of 5 stars

Professional and friendly service

Kane Powell has always been very friendly, knowledgeable and professional. He quickly understood our needs and delivered very quickly by saving us money on our existing mortgage even before dealing with our new application. This was a real bonus that we weren't expecting! Leona & all the staff we spoke to along the way were also very friendly and efficient. Thank you!

18 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your lovely review. We’re delighted to hear that Kane was able to quickly understand your needs and help secure savings on your existing mortgage before progressing with your new application!

Rated 5 out of 5 stars

My experience excellent Heron Financial

My experience with Heron Financial was excellent. In my dealings with Ailsa I was continually impressed with her patience and professionalism.

15 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your kind words and for sharing your experience with Heron Financial. We’re delighted to hear that Ailsa’s patience and professionalism made such a positive impression throughout your journey!

Rated 5 out of 5 stars

Highly recommend

Can not recommend Heron Financial enough,from help to obtain my mortgage and life insurance they were great help every step of the way 😊

12 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your kind words and recommendation. We’re delighted to hear that the team was able to support you throughout both your mortgage and life insurance journey!

Rated 5 out of 5 stars

Heron Financial have been amazing from…

Heron Financial have been amazing from start to finish. Such a prompt, professional and helpful team of people, we had regular contact throughout the process and was kept updated of any changes or amendments needed.

I would highly recommend Heron Financial.

15 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your kind words and recommendation. We’re delighted to hear that you had such a positive experience with Heron Financial from start to finish!

Rated 5 out of 5 stars

working with Heron Financial

It was an absolute pleasure to work with Zara Arshad and Kane Powell .
Heron Financial are extremely professional, efficient and speedy. I cannot recommend them highly enough. The communications were prompt and I was never left waiting. They guided us through the process and answered our queries, making the process much easier and stress free.
Thank you team!

5 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your kind words and for taking the time to share your experience with Heron Financial. We’re delighted to hear that Zara and Kane made the process feel smooth and efficient!

Rated 5 out of 5 stars

The team at Heron Financial were phenomenal

The team at Heron Financial were phenomenal. Our mortgage advisor Aidan was very efficient in getting us a mortgage offer. He was quick and always ready to answer any question. He explained us the market, and seemed to try to get the best deal to us. Zara made sure to keep us updated and feel at ease while the application was in progress.

Also, Joe from the Protection department is very attentive to find the correct balance of mortgage protection for a given buyer's situation.

Overall good professionals and good people. I would recommend.

14 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your wonderful review and for taking the time to share your experience with Heron Financial. We’re delighted to hear that Aidan, Zara, and Joe were all able to support you so well throughout your mortgage and protection journey!

Rated 5 out of 5 stars

I’ve used Aidan and Chloe several times…

I’ve used Aidan and Chloe several times now for my mortgages and I honestly wouldn’t go anywhere else. They are both professional, knowledgeable, responsive, and always make the whole process feel straightforward and stress-free.

No matter how many questions I’ve had, they’ve always taken the time to explain everything clearly and keep me updated throughout. Their advice has consistently been excellent and I’ve always felt like they genuinely had my best interests at heart.

I wouldn’t hesitate to recommend Aidan and Chloe to anyone looking for reliable and trustworthy mortgage advisers. Thanks again for all your help!

10 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your continued trust in Heron Financial. It’s fantastic to hear that Aidan and Chloe have consistently provided such knowledgeable advice!

Rated 5 out of 5 stars

Don and Zara have been an absolute…

Don and Zara have been an absolute delight to deal with. They have secured our mortgage and the whole process has been very smooth and easy. I honestly thought it would be much harder than what it has been!! They always have been available for questions and queries and come back very quickly. Extremely professional whilst also friendly. I cannot thank them enough. I will definitely be recommending Heron to others. Thank you so much!

12 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you so much for your lovely review. We’re delighted to hear that Don and Zara made the mortgage process feel easy!

Rated 5 out of 5 stars

Callum and Chloe were absolute stars

Callum and Chloe were absolute stars. Our mortgage application was unique however their expertise and guidance assisted us with obtaining the mortgage we needed for our forever home. Thank you!

8 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum and Chloe were able to support you so well throughout your mortgage journey!

Rated 5 out of 5 stars

Would just like to say a special…thankyou to Joshua and Chloe

Would just like to say a special thankyou to Joshua and Chloe for sorting out my remortgage they were so helpful and efficient and kept me informed at all times and were able to find me the best deal for my remortgage now I can start planning my new kitchen will definitely be using Heron Financial again

7 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Joshua and Chloe were able to support you so well with your remortgage!

Rated 5 out of 5 stars

Mortgage application for moving house

Don and Leona were so helpful. They were knowledgable, responsive, very calm and made the process really simple. They sorted out moving my old mortgage onto a new product whilst the conveyancing process was in going (as it was about to expire) and helped me get a good deal for the new mortgage. I’d definitely use them again and would recommend them to anyone looking for a mortgage broker.

6 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Don and Leona were able to support you so well throughout your home move!

Rated 5 out of 5 stars

Fantastic service

Having dealt with Callum and Leona throughout the process of getting my mortgage with Heron, they have been nothing but very helpful, communication was always regular, they kept things simple to deal with, I definitely make the right choice with bringing them onboard to get me to where I needed to be. I can highly recommend Heron, especially Callum and Lenoa. Thank you for all your help.

20 April 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum and Leona were able to support you so well throughout your mortgage journey!

Rated 5 out of 5 stars

I'd Recommend Heron Financial

The Heron Financial Team are lovely. Both Kane and Zara in particular are so helpful, and they are always happy to answer any questions we have as first-time buyers. They sort everything out so quickly for us to avoid any delays, and always provide us with really helpful information. Both are lovely to speak to; they have a wealth of knowledge about the UK housing market and are incredibly efficient.
I'm so glad Heron Financial have supported us through the usually-stressful journey of a property purchase! We would absolutely recommend using Heron Financial's services.

3 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Kane and Zara have been able to support you so well as first-time buyers!

Rated 5 out of 5 stars

Highly recommend Heron Financial!

We were recommended Heron Financial by a friend and they have been brilliant throughout the whole process. Our mortgage adviser Callum was friendly, patient and very informative. Callum was also very quick with his response time and always kept us in the loop by updating us on what was happening on his end. Very happy with our experience with Heron Financial and would definitely recommend their services!

10 November 2025
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum was friendly and informative throughout the process!

Rated 5 out of 5 stars

Would like to take this opportunity to…

Would like to take this opportunity to say thank Callum in this matter been an absolute pleasure to deal with and help get over live for me brilliant service and highly recommended going forward to provide info to friends and family for future financials regards j. Phipps

2 May 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thank you for your lovely review. We’re so pleased to hear Callum was such a pleasure to deal with and was able to support you so well throughout!

Rated 5 out of 5 stars

Great service and very prompt response…

Great service and very prompt response to any questions or queries. Callum and his assistant were great and I would recommend. Was particularly happy with the deal I was able to get right at the right time !

27 March 2026
Unprompted review
Heron Financial logo

Reply from Heron Financial

Thanks so much for your kind feedback!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look