Hello, I’m Michelle
Pear Tree Mortgages is my own business and I love what I do!
After 16 years with Lloyds Banking Group, managing three branches and establishing a mortgage processing centre, I escaped the corporate world, took the plunge and set up Pear Tree Mortgages in 2016.
I am completely independent and my business has grown as a result of client referrals. I am very approachable and honest – the opposite of the target driven, old style salesperson, which I loathe!
My initial consultation is free and I am more than happy to meet with you face-to-face or discuss your needs over the phone or via Zoom at a time convenient to you; I’m not restricted to office hours and I can lend all over the UK.
I am able to search the whole of the mortgage market, from High Street lenders to more specialist providers so it is rare that I cannot recommend the best available solution for you. I have established contacts with a huge range of lenders and industry experts whose brains I regularly pick to ensure my advice to you is spot on. Typically, I charge a fee of £349 for arrangement of your mortgage. However the actual fee will depend on your circumstances and will not exceed 1.5% of the mortgage amount.
I am an appointed representative of Stonebridge Mortgage Solutions who provide me with compliance and back office support as well as securing broker exclusives with the lenders.
I am also a specialist at mortgage related insurance and create bespoke protection plans that provide my clients with peace of mind.
I offer a very hands-on approach and will deal personally with your application from start to finish.
What People Are Saying
Meena - First Time Buyer
“Michelle was absolutely brilliant! She helped me find the right mortgage and went that extra mile to deal with my very difficult estate agents on my behalf. The first instance was when she was out of the country on holiday and helped me to secure my property and take it off the market. As a first time buyer this whole process was new and very daunting. A lot of the terminology and applications were all new and can be confusing when you've never seen these before. Along with my mortgage she was a great help when I was dealing with my solicitors and what they required from me and understanding their requests. She was very helpful and always made the time to explain and answer my hundreds of questions. She is so friendly and nice too which made it easier to talk to. She has helped me along this whole process to buy my first property and can't thank her enough! I would highly recommend her and have.”
Alexander - First Time Buyer
“Michelle did absolutely everything for us. She told us how to position ourselves to be able to get the best mortgage deal. Not only did she go through all the lengthy paperwork, sent all our information to the lenders and succeeded to get the mortgage we wanted, she kept in touch with us throughout the whole process, keeping us in the loop with our solicitors and the correct steps to take.
We are now homeowners and Michelle made the whole process painless. We couldn’t of hoped for anyone better.”
Nimesh - Purchaser
As an IT contractor, I was finding it difficult to find a deal on a mortgage after speaking to my original advisor. My sister had been recommended Michelle as a great financial adviser. After contacting Michelle she was able to find me a cracking deal. She has been professional, friendly, prompt, highly skilled and have recommended her to friends and family. I have been able to get the property that I needed with a great rate.
Debbie - Mover
“Michelle was so helpful. I needed a few different options looking at; a let-to-buy mortgage alongside a home mortgage and an option of just a home mortgage. Michelle gave me some great options. She was always on the other end of the phone when things were getting tricky with our purchase. Michelle has great contacts with the lenders so she was able to push our application through as well as smooth out any issues that were the result of our leasehold sale. Everything that could go wrong did go wrong with our sale and purchase and Michelle was always the calm voice at the other end of the phone helping it all move in the right direction. I honestly don't think we could have completed our purchase and sale if it wasn't for Michelle's expertise, insider knowledge and advice. There is nothing Michelle could have done better. She went way above and beyond and I'm so grateful. ”
JB - Re-mortgager
I really thought I knew and could do better and find a product on the web for myself. However, my rate was ending and I'd left it a bit late to sort out, so on a friend's recommendation asked for Michelle's help (thinking I'd take the free advice and run with it myself). However, Michelle found a slightly better rate than I could, and had looked into all the small print - like arrangement fee and redemption fee. She also advised which lenders offered good customer service as well. Michelle's fee was covered in the first 3 months of mortgage savings and I've been saving every month since. She also advised on how to get my finances in order to be mortgage ready for my next move up the housing ladder. I also feel more in control of things, rather than that 'brushed under the carpet' feeling I'm more used to.
Stuart - Re-mortgager
I wanted to change products and my circumstances (self-employed entrepreneur) meant I was getting 'computer says no' type responses from an advisor I had used previously. Michelle took care to understand the situation and my circumstances and advised on the best approach to take. Once I had made a decision and filled in the necessary paperwork she took care of the product change.
