Why pay a mortgage broker fee when you don’t have to?

Professional mortgage advice. £0 broker fee.

Mortgage & protection advice

Helping first-time buyers
- Fee-free mortgage advice with no broker fee to pay
- Guidance on deposits, affordability, and lenders
- Support from first chat to getting your keys
Moving home made simple
- Moving home made simple and stress-free
- We compare lenders and manage the paperwork
- Focus on your move — we handle the mortgage
Remortgaging
- Remortgaging made easy
- Find better rates or raise funds for improvements
- Honest advice on switching or staying with your lender
Buy-to-let mortgages and remortgages
- Clear guidance on buy-to-let mortgages and remortgages
- Help with rental yield, lender criteria, and best options
- Tailored support for first-time and portfolio landlords

Mortgage calculator

Loan Amount: Annual Interest Rate: Loan Term:

Mortgage Type:

Monthly payment: £---

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you.

A little bit about me

I’m Steve Ellis, an independent mortgage broker based in Leicestershire and helping clients across the UK.

Whether you’re a first-time buyer, moving home, remortgaging or investing in property, you’ll receive personal mortgage advice and support throughout the process.

And unlike many mortgage brokers, I won’t charge you a broker fee for my services.

My broker fee: £0. Your mortgage advice: personal to you.

      
   3 Counties Mortgage Services Ltd
   125 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Isaac Johnson 
 
 
 
 Trustindex verifies that the original source of the review is Google. We can’t recommend Steve enough he’s been such a huge help for us. As first time buyers there’s so much to know and he explained everything so well making our whole process stress free. Helping us through every step and responded to us very quickly even when out of office which was fantastic. Not to mention he doesn’t charge for his First Time Buyer Services which has helped us out so much. We can’t thank Steve enough for going above and beyond for us and we’ll definitely be using his services again.
  
 
      Posted on Google  
   
   Colin Peacock 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommended, excellent service and expertise, very prompt response too
  
 
      Posted on Google  
   
   Libby Bond 
 
 
 
 Trustindex verifies that the original source of the review is Google. Steve makes what could be a fairly daunting and overwhelming task of getting a mortgage/remortgage simple and painless. He’s always on the other end of a phone/email should you need him and is constantly checking for the best deals on the market. We couldn’t recommend him highly enough!
  
 
      Posted on Google  
   
   darren rednall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Steve has been A* throughout my mortage process. Always available to call/message , even when on leave. Would high recommend
  
 
      Posted on Google  
   
   Siobhan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Steve highly enough. He was fantastic throughout us buying our new home. He was incredibly quick and efficient and nothing was ever too much for him. Steve was highly professional but also personable and we felt as though he truly cared about our goal. We can’t thank him enough!
  
 
      Posted on Google  
   
   Life Story Book 
 
 
 
 Trustindex verifies that the original source of the review is Google. Steve helped me with my mortgage. Once I’d found a decent solicitor (Blacks, based in Leeds), it took about 3 weeks. Steve found me a great deal/rate, answered all of my questions and responded quickly. Very efficient, friendly and helpful. Thank you Steve. 5/5 - Highly recommended
  
 
      Posted on Google  
   
   Audrey Crawford 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t thank Steve enough for everything he did to help me through what was an incredibly difficult and emotional time. When my two children and I found ourselves in a very sensitive and desperate situation, Steve went far beyond what you would expect from a mortgage adviser. From the very beginning, he took the time to talk us through every option, carefully explaining the process and helping us understand what was possible. His advice was honest, thorough, and always given with our best interests at heart. What really set Steve apart was the genuine care and support he showed throughout the entire journey. He understood how overwhelming everything was and was always there to answer questions, offer reassurance, and keep us updated every step of the way. He continued to follow our progress right up until the day we collected the keys to our new home. Steve’s professionalism, knowledge, kindness, and dedication made all the difference to my family. I am so grateful for everything he did and wouldn’t hesitate to recommend him to anyone looking for a mortgage adviser who truly goes above and beyond. Thank you, Steve, for helping us secure a fresh start.
  
 
      Posted on Google  
   
   emily Law 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommended. Excellent communication and advice right from the start to the finish of getting our mortgage. Being self employed it’s never easy when it comes to the paperwork side but Steve is always at the end of the phone when we have needed him.
  
 
      Posted on Google  
   
   Aimee 
 
 
 
 Trustindex verifies that the original source of the review is Google. I could not recommend Steve enough. From the very beginning, he went above and beyond to help us achieve something did not think was possible. Thanks to his expertise, dedication, and hard work, we are now living in our dream home. What makes Steve so exceptional is that he provided so much more than mortgage advice. He gave us reassurance when we needed it most, took the time to answer every question, and supported us through every step of the process. Nothing was ever too much trouble, and he always made us feel valued and confident, even during the most stressful moments. Steve's knowledge, patience, and genuine care made all the difference. We will be forever grateful for everything he has done for us. Owning our home is something we once only hoped for, and thanks to Steve, it has become a reality. If you're looking for someone who truly cares and will go the extra mile for you, Steve is the person you want by your side. We honestly can't thank him enough.
  
 
      Posted on Google  
   
   Oliver Godding 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really helpful, with everything and very patient with us too, during the processes

Personalised mortgage & protection advice made simple

Based in Leicestershire and supporting clients across the UK, I provide independent, tailored advice to help you find the right mortgage and protect your family.

With access to hundreds of products, I deliver unbiased recommendations that fit your circumstances. I take the time to understand your goals, making sure your mortgage and protection plan is personalised to you.

No jargon, no stress — I handle the paperwork, comparisons, and legwork so you can focus on your dream home or financial goals.

With experience helping clients since 1989, you can feel confident knowing you’re in safe hands.

Let’s have a chat

Before we dive into the finer details, it’s good to simply get to know each other. That’s why I offer a free, no-obligation call — an easy, informal conversation where you can share your plans and see how I may be able to help.

This is your chance to talk through your goals, ask any questions you have, and get a real sense of how I work. There’s no pressure, no confusing jargon — just an open and honest chat designed to give you clarity and confidence.

As an experienced Independent Mortgage Broker, I’ve supported people across the UK with buying their first home, remortgaging, and refinancing for many years. I’d love to do the same for you.

Book your free call today, and if you’d like, take a moment to read more about my journey or connect with me on LinkedIn.

I look forward to speaking with you soon.

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