Welcome to The Mortgage Specialists based in Essex

The Mortgage Specialists is an independent Mortgage brokerage, Steve McCarthy who operates the Mortgage and Insurance department has been in the mortgage industry since 1997 and is a very experienced financial adviser.

We are a small mortgage consultancy and pride ourselves on keeping things personal and ensuring the advice you receive is perfect for your individual situation.

Our clients receive clear, independent advice delivered in a professional way.


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You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Our Privacy Cookie Statement describes how we use your data, who we might share it with and what rights you have.

The Mortgage Specialists is a trading style of Stephen McCarthy who is an Appointed Representative of Ingard Financial Ltd which is authorised and regulated by the Financial Conduct Authority No 450731. Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Ingard Financial Ltd, First Floor, Maple House, Park West, Sealand Road, Chester CH1 4RN.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.