Welcome to Penny House Financial Services  

Buying a property is probably the biggest financial transaction and commitment you’re ever likely to undertake. That’s why it’s so important to take advice from a professional mortgage broker like Penny House Financial Services. Our expert team have years of experience in helping and advising clients in London, Oxfordshire and Buckinghamshire to make the right purchasing decisions for mortgages and insurance protection. We also offer a range of other services through third parties. 

Tailored services to meet your individual needs 

In recent years, changes to financial legislation have made it harder to get a mortgage. Stringent lending criteria have placed restrictions on borrowers, making the process more challenging for foreign nationals or individuals with a complex income structure. 
Here at Penny House, we’re not tied to any one mortgage lender. Which means we can act entirely on your behalf. It’s our mission to represent your best interests and find the most appropriate mortgage quotes for your personal situation. 
Our clients come from all walks of life and we can provide anything from a simple residential mortgage for a first-time buyer to more complex financial solutions for investors, landlords and business owners. 


Sofia was amazing and i wish i had been introduced to her earlier. She is very tenacious and determined even when I had given up. When I was put in touch initially I had had alot of difficulty even when using another broker and one of my main options had outright declined me. She pushed ahead, gave me all the advice and was always available, going the extra mile when needed. I get my keys today on the house I wanted, amazingly with a mortgage provider that had already declined me. Reach out to Sofia early on in the process if you would like a hassle free experience. 
Sofia and the team at Penny House done a fantastic job on getting us a great mortgage deal on our new forever home. The property had some complications involved with it (a farm with outbuildings and a few acres) which makes it not as easy as a normal house mortgage, but these guys never gave in and was always following it up. 
I will be recommending Penny House to all my friends and family and hopefully use them for future investment. 
Cheers guys. L. Davies, September, 2019 
Penny House were brilliant and I cannot recommend them highly enough. They helped me secure my first mortgage and they couldn't have made the process any easier or stress free. Communication was brilliant throughout and they explained everything at every stage. I am recommending them to anyone and everyone I talk to if they are thinking about getting a new mortgage or remortgaging. Thank you Penny House! R. Blumire, June, 2019 
Sofia was amazing and did all the leg work! Very good. M.Shaw, June, 2018 
Easy, quick, fantastic organisation and helped to us to find the perfect mortgage to suit our requirements. Would 100% recommend. P. Schmidt, October, 2017 
Big thanks to Sofia Jones at Penny House for the professionalism and the speed in getting us our new mortgage. We were recommend to her through our estate agent and we are so glad we took his advise! Thanks again. L. Nicholson, January, 2018 
Sofia was brilliant. I was having difficulties getting a mortgage prior. Then I was introduced to Sofia and to be honest I wish I had been introduced months ago. My mortgage was sorted within a week. Good service, lovely lady and it was all stress free. Would definitely recommend to family and friends. Wooooo Hoooo Sofia. M. James, July, 2018 
Sofia has been amazing over the past 6 months! She has put up with me on the phone stressing out while asking all sorts of questions! She not only went miles further than she needed to but I always got off the phone knowing that she is great at her job and ACTUALLY cares about her clients! I would never consider calling any one else and would 100% recommend her in the future! Thanks for making a ridiculously stressful period a little less stressful. M. Rowe, October, 2018 
Sofia has made finding my buy to let / residential mortgages hassle free. Great rates, easy communication and quick turnaround. I will be using Penny House in the future and recommend to anyone who asks. S. Beattie, August, 2018 
Would highly recommend Sofia she has made the whole process stress free! S. Jones, July, 2018 
Exceptional service. Everything to do with our mortgage was hassle free, mainly thanks to Sofia. Wether weekday or weekend we could always get hold of her for advice or just for an update. Would highly recommend! J. Rookley June, 2018 
Just received our Mortgage offer today and over the moon, this was only because of Sofia's determination, dedication and going that extra mile for us. Sofia has been amazing and I can't recommend anyone more. You need help with your mortgage this is your lady. F. Tench, October, 2018 

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The Financial Conduct Authority (FCA) do not regulate buy to let mortgages. Penny House Financial Services specialise in sourcing high quality solutions for clients to secure their next purchase. Penny House is a trading style of Penny House Financial Services Limited is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Penny House Financial Services Limited is registered in England and Wales. Registration Number: 10861127 Registered Address: 207 Regent Street, London, England, W1B 4ND. The information and content within this website are subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only. 
Important note: A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. 
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