the science of mortgages

1 form – 10 minutes – 60 lenders

The science of mortgages

Buying a home can be a stressful and confusing time. I can guide you through this process right through to completion.  This step-by-step guide is designed to support and inform you throughout your mortgage application.

The science of protection

No wants to think about what will happen when a loved one dies. Your life changes forever and the financial strain your family will experience will be the last thing they would want to worry about. If you have dependants or if you are in any form of debt, it is essential that you are prepared and you ensure your family is properly protected.

The science of home insurance

It can be tempting to try and save money by cutting back on your buildings and/or contents insurance policies, but experts agree that this is a false economy. The right cover will provide you with the peace of mind and financial protection that any damage to your home; accidental or otherwise can be covered avoiding unexpected expense.

Online mortgage advice – In just one click

Fully qualified mortgage advice at a time to suit you.  No taking time off work.  No giving up an evening.  No making me a cup of tea! 

Complete my online enquiry form at a time to suit you, and let me do the rest. 

I’ll search the market, recommend products, put in an application and chase it until you complete, while you get on with your lives.

Online mortgage form

1 form – 10 minutes – 60 lenders

Compare the market


What they say…

Thank you so much for your help and advice. Buying my first property would have been a lot more stressful without you. Your very quick response to all my questions really put me at ease.



In my experience, integrity, efficiency and thoughtfulness are in short supply in the property industry, and you displayed all three in abundance. Thank you again for being a ray of sanity in a crazy situation.



Thank you so so much for all your support, patience, kindness, guidance and advice you’ve been amazing Steve and very efficient, we shall of course recommend you to anyone looking for a mortgage advisor.

Sam & Katie


Thank you so much for helping us to buy our first home together! We couldn’t thank you enough for the frequent communication to keep us updated with everything! Would highly recommend you to friends who are also looking to buy their first homes together!

Sian & Andrew


You have been incredibly patient with us and part of a big roller-coaster journey for us. We really appreciate all your time and effort to get us where we are now. Thank you so much

Alison & Nick


Definitely recommend Stephen to source mortgage deals. Stress free and easy plus he got me a very good rate. Responded very quickly to my questions.



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


All meetings, research and advice that I give are completely free of charge however, I do charge a one-off application fee for life.

This non-refundable fee is typically £295 and payable upon application of the first mortgage that I arrange for you, all future work that I do for you, such as protection, remortgages and new purchases is completely free of charge to you, although I will still be paid a procuration fee by lenders and providers.

Stephen Thatcher is an Appointed Representative of Mortgage Intelligence Limited, which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

FCA ref: 456905

The Old Schoolhouse, Church Street, Nympsfield. Glos GL10 3UB.