Quality mortgage advice you can trust 

Penny House Financial Services specialises in mortgages for first time buyers and business owners, We can arrange related insurance policies. Operating across London, Oxfordshire and Buckinghamshire, we have a diverse client base ranging from first time buyers to buy to let landlords to Egyptian princes. 

Committed to the highest standards 

Whoever we’re working with, our approach is the same: to provide excellent service and honest, tailored advice that suits your individual needs and circumstances. Our Director Sofia Jones, takes genuine pride in our shining reputation for offering the highest standards of mortgage advice and customer service.  
Sofia Jones Bsc (Hons), CeMAP 
Director & Mortgage Adviser 
I discovered my love for all things property after leaving university. Having worked in estate agency as a Sales Negotiator and Lettings Manager whilst building up my own portfolio, I understand the journey my clients embark upon. 
I am passionate about property and helping others in their journey; whether that be purchasing a new home or growing their portfolio. I specialise in Buy to Let but I can assist in all types of mortgages including; New purchases, Re-mortgages, Let to Buy, Help to Buy and Right to Buy. 
Besides my love for mortgages, I'm an animal lover and like to spend spare time with my dog; a Pomeranian called Ted, my ex-racehorse, Barney, or (the biggest animal of them all) my son, Ashton. 



Tracey Manser, CeMAP Mortgage and Protection Adviser 

With over 15 years’ involvement in the mortgage and insurance industry, I have a wealth of experience and I’m truly dedicated to all my clients. As a highly organised and motivated advisor with an analytical brain, I’ve also discovered the ability to develop great rapport both face to face and, importantly, given the times we now live in, over the phone or by video communication. I am calm in a crisis, discreet, capable and reliable; it has always been my objective to help others and I’m prepared to go the extra mile to achieve it. 
I’m a family person with three children, a daughter and two sons, along with my other “pets”, a black Labrador and five cats! I love the theatre and spending time with family and friends. Holidays are important to me but not as much as my work; knowing that I can do a good job for my clients and help them to realise their dreams gives me the most satisfaction and a great sense of accomplishment. 

Our promise to you 

Whatever your individual circumstances and requirements, we’ll always offer: 
Full advice and recommendations on mortgages  
Tailored advice to make sure you get the most appropriate product for your needs and circumstances 
A simplified process, as we’ll deal with your application from start to finish, keeping you informed at every stage 
Advice and guidance on insurance policies to protect your mortgage and family 
Arrangement of buildings and contents insurance on your behalf 
To make your life easier! 
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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