Mortgage & Protection Advice You Can Trust, Every Step of the Way

Whether you are a first time buyer making those first steps, looking to move property, purchase a buy-to-let, or retired and looking to release equity from
your home, we would be happy to discuss and guide you through the process.

We access the whole of the UK market to get you the absolute best mortgage and protection plans available in the marketplace.

Schedule an appointment

Mortgage Advice

Discover our diverse range of lending products designed to meet your unique needs. Whether you're interested in bridging loans, lifetime mortgages, or buy-to-let mortgages, we have the right solution for you.
Let us help you navigate your financial journey with confidence and ease. Reach out today to find the perfect lending option for you!

Protection Advice

We’re not just here to talk mortgages—we also care about protecting your financial future.
Income protection is one of the smartest (and most underrated) decisions you can make.
We strongly recommend that all clients secure the necessary insurance for both themselves and their homes and personal belongings.

Solutions tailored just for you

Get expert help from your personal advisor with
Jargon-free advice.
Access to a wide range of mortgage products.

First-time Buyers
Remortgaging
Buy-to-Let Mortgages
Bridging Loans
Lifetime Mortgages
Life Insurance
Critical illness cover

A message from our Founder, Lois.

I'm Lois Holder, and I believe everyone deserves a trusted guide when buying a home and navigating the financial landscape.

At Keyholder Mortgages, you’ll find advice that’s clear, caring, and built around you.

We believe that buying a home or protecting the life you’ve built should feel exciting, not overwhelming.

From first-time buyers to those remortgaging or looking to protect their loved ones with life insurance and critical illness cover, our clients know they can rely on us for friendly, straightforward support — every step of the way.

Because at Keyholder Mortgages, you’re not just another case — you’re part of our story.

Lois Holder.

What our clients say

Lois and her team have held my hand through this whole process; it’s not been without its stresses!
Lois has been professional and supportive, incredibly efficient, and all with an excellent sense of humour!
I cannot recommend them highly enough.

Hannah Warmsley

Schedule Consultation

Whether you’re buying your first home, remortgaging, or exploring later life lending, we’re here to make things clear, simple, and personal.

Your consultation is a friendly, no-obligation chat with Lois or Harry—experienced advisors who have helped hundreds of clients across Suffolk, Essex, and beyond.

What to expect:

Personalised advice based on your goals

Answers to all your questions (no jargon!)

A clear path forward—at your pace

Let’s take the next step together.
Book your free consultation today.

Schedule an appointment

Contact Info

Address: Pauls Farmhouse, Chursch Street, Belchamp St Paul. Essex. CO10 7DJ

01787 209880

[email protected]

Contact Info

Accesibility Statement

Licensing

Keyholder Mortgages is a trading style of Cutting Edge Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority FCA No 922009.