Whether you're stepping onto the property ladder for the first time, moving to a new home, investing in buy-to-let, or looking to remortgage for a better deal, Zen Mortgage Solutions are here to help make it simple, clear, and stress-free.
Are you Self-Employed? Do you have a Complex Mortgage Situation? That's where Zen Mortgage Solutions come in. With two decades navigating the mortgage landscape, I cut through the red tape to get your mortgage approval without the stress. I understand that as a self-employed individual, or someone facing unique financial circumstances, the path to homeownership can feel overwhelming.
So whether you're self-employed, have a less-than-perfect credit history, or are working with a smaller deposit, I'm here to provide expert guidance and find solutions tailored to your specific needs.
Let's turn your property dreams into a reality.
Hi, I’m Heather, the Director of Zen Mortgage Solutions.
What my clients love about me most is that I’m straight talking and don’t bother with any banking jargon! I’m also obsessed with saving money. And just like I enjoy teaching my two young daughters the value of budgeting and making their pocket money go further, I bring that same dedication and practical approach to helping you manage your finances and secure the right mortgage.
I believe in clear, straightforward advice and taking the burden off your shoulders, so you can focus on what matters most.
Let my 20 years of experience work for you.
Buying your first home is exciting — and maybe a little overwhelming. I'll guide you through the process from start to finish, helping you find the right mortgage that fits your needs and budget. No jargon, just straight talk and expert advice.
Being your own boss shouldn’t make it harder to buy a home. I understand the unique challenges self-employed clients face and know which lenders are most likely to say yes — even if your income is a little less straightforward.
Thinking about switching your mortgage? Whether you're looking to save money, release equity, or lock in a better rate, I’ll compare the best deals for you and handle the paperwork, so you don’t have to.
Whether you're a seasoned landlord or buying your first investment property, I offer tailored buy-to-let mortgage solutions designed to support your property goals and maximise your returns.
Moving house? We’ll take the hassle out of financing your next property. Our advisors can help you port your current mortgage or find a new one that suits your changing circumstances.
Your mortgage is one of your biggest financial commitments - I offer tailored advice on personal insurance solutions designed to safeguard your home and your loved ones. From life insurance that pays off your mortgage, to critical illness cover and income protection that helps keep you in your home if you're unable to work, I’ll help you find the right level of cover to suit your needs and budget
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Zen Mortgage Solutions is a trading name of Clear Mortgage Solutions Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Clear Mortgage Solutions Limited. Registered Office: Suite 5, Level 3, Orchard Brae House,30 Queensferry Road, Edinburgh, EH4 2HS. Registered in Scotland Number: SC463175.
Please note that a broker fee may apply, depending on the complexity and level of research required for your case. This fee will be discussed and agreed upon with you at the earliest opportunity. No fees are charged for initial advice, and any fees will only become payable upon the issuance of a full mortgage offer.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.