Independent · Whole-of-market · FCA regulated
Mortgage & protection advice built around you
FCA 522377 | Twickenham-based | South West London & Surrey
5.0Top Rated Provider 2026verified by TrustindexTrustindex verified that these reviews were published on Baneberry Finance Limited's Google Business Profile. Learn more
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Why Baneberry Finance?
Independent ADVICE
Not tied to any lender, insurer or network - advice from the whole market
PERSONALISED SERVICE
A named contact who knows your case, start to finish, providing tailored advice
Access to exclusive products and mortgage rates
FCA Regulated
Authorised and regulated, FCA reference 522377
We would like to thank Julian for all his hard work in managing to secure a retirement mortgage on our behalf. Despite the bank's best efforts to disrupt matters he guided us through the process with the minimum of fuss.
Peter and Alice H
Julian supported us in the mortgage application process for our new house. It was not a straightforward process given international aspects of the application and Julian was great in guiding and advising us in questions which were outside the scope of the normal mortgage application process. I can highly recommend him and his firm.
Thorsten S
Matt, Following the recent completion I wanted to write & thank you & your team for all your help. I appreciate that, given my particular set of circumstances, finding a mortgage supplier was not the easiest task in the world for you. Your detailed knowledge of the market made this possible. Furthermore, your guidance, diligence & patience helped make the whole process simple to understand & run as smooth as possible. I can not thank you enough. Rest assured that I will be readily recommending your services to others.
Roger C, Teddington
Thank you for your help and professional service Julian. Julia and I have been very happy with what you have done for us and wouldn't hesitate to recommend your company to friends and family.
Robert C
I can't thank Julian enough for all his efforts in arranging finance on our behalf.
David T, Surrey
Over the last 10 years Julian has become our go-to broker for mortgages. We have found him to be completely reliable, his advice and insights have been instrumental in us making the right decisions over the years with regard to our properties. We recommend him to all our friends confident that they will be well advised and looked after.
Deshpal P, London
I have had the recent opportunity to work with Matt Mustoe at Baneberry Finance as a first time home buyer in the UK. It was the most effective and seamless process I have experienced. As a busy professional and having lived in several countries, Matt and his team at Baneberry Finance were thorough, efficient and maintained communication. I also received a recommendation for the necessary legal representation and this was equally effective. I have no hesitation in recommending Matt and the Baneberry Finance team to any future home buyers. Thanks again!
Nisha M, Hampton Hill
Baneberry Finance have been a one stop shop for the remortgage of my property. Through the help of Matt Mustoe and the team every step of the process has been seamless quick and straightforward. All options were fully explained throughout and I always felt there was someone there should I have any questions. All in all a pain free experience and would highly recommend using Baneberry finance to anyone who isn’t completely au fait with the highs and lows of buying and selling a property.
Ross L, Coventry
I’ve worked several times over the last 10 years with Matthew Mustoe and have always found the advice intelligible and the execution efficient and of the highest standard. I will be using them again when the need arises and can recommend their services without reservation.
Andrei R, West Horsley
When my wife Jackie, a UK citizen, and I - a South African citizen - wanted to buy a property in the UK, and experienced delays over intercontinental financing, Matt Mustoe provided advice and support that was instrumental in the successful conclusion of this transaction. If it’s great professional, personal service, with attention to detail that you require, I have no hesitation at all in recommending the services of Matt Mustoe and Baneberry Finance.
Evelyn John HoltzhausenCEO HWB Communications, (Pty) Ltd
My wife and I have used Matt's services on numerous occasions and have been very pleased with his advice and mortgages resulting from it. Recently, we needed a new mortgage at quite short notice and both Matt and Julian could not have been more helpful and proactive in arranging it for us. We have always found Matt to be highly professional, approachable and extremely knowledgeable.
Steve W, Elstead FAQ
What does an independent mortgage adviser do differently?
Unlike advisers tied to one lender or network, we search deals across the whole market and recommend whichever is most suitable for you.
Is there a fee for an initial consultation?
Your first consultation is free.
Do you cover buy-to-let and protection as well as mortgages?
Yes – mortgages, buy to let and protection (life, critical illness and income protection) are all part of what we advise on.
READY TO TALK IT THROUGH?
Get in touch for a free, no-obligation conversation about your mortgage, Buy to Let, or protection needs.