About Our Company

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We are experts in providing you with quality, professional Financial Advice that you can trust.

Whatever your particular requirements, whether it be a mortgage, protection against accident, sickness or death we can ensure that we find the best solution for you.

Who We Are

Find the most suitable mortgage for your ideal property

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Established in 1988, Home & Commercial Mortgages Limited are mortgage brokers. Our service is personal and friendly, and we are committed to helping our clients in every way we can.

All our Mortgage Advisors are CeMaP Qualified and we offer mortgage solutions tailored to suit your requirements. With access to thousands of mortgage products, we will recommend the most suitable product  for you. We are approved by Portsmouth City Council’s Trading Standards and maintain balance with consumer’s needs and legal rights. We promote and support fair trading with the City of Portsmouth.

We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. We are a company of action: proactive, professional and committed to creating long-term success for you, our client.

We understand that everyone’s different, and that’s why our approach is as individual as you. We know the financial side of life can be complex and that’s why we work hard to get to know you and your aspirations through careful life planning and consultation. We then provide quality advice services and practical pathways to help you achieve the life you want.

With us, progress means development. Life planning that helps you to navigate life’s financial complications, free of financial ambiguity and safe in the knowledge that the professional team is at your side, every step of the way.

Our team are happy to meet at a day, time and location most convenient to you, with no obligation to you. These meetings are usually arranged by prior appointment.

There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding but estimate this to be £494. 

Home and Commercial Mortgages Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Home & Commercial Mortgages Limited FCA number 412037 HL Partnership FCA number 303397

Meet Our Team

The Mortgage Experts You Can Trust

Mark Charlton

Director/Mortgage Advisor

Becki Haffenden

Mortgage Advisor

Lisa Abrams

Administration

Rhiannon Crisp

Mortgage Processor

Willow the Dog

Head of Dog Treats

Testimonials

What our clients say about us

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Luke Martin profile picture
Luke Martin
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Mark, Becki and Rhiannon were fantastic from start to finish. We were first time buyers and had no idea of the process but they took us through every step, were always available when I phoned or dropped in and made the whole experience as stress free as possible. I would highly recommend them and can't thank them enough for their support.
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K M profile picture
K M
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I have been supported by HCM for many years now and frankly I would not go anywhere else. In fact I would not be where I am today without their help. I ask loads of daft questions and never feel like an idiot. They are patient and accommodating on so many levels. So happy to have found them.
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Rebecca Traynor profile picture
Rebecca Traynor
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Been using them for advice for over 30 years, helpful and professional
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Brandon Lashley profile picture
Brandon Lashley
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I’ve been incredibly impressed with the service from Home & Commercial Mortgages during my recent re-mortgage. Mark and Becki were fantastic and made the entire process feel seamless from start to finish. Their knowledge of the market is second to none, and they handled everything with the highest level of professionalism. What I appreciated most, however, was their communication and their genuine patience with my own understanding. They took the time to explain every detail and never made me feel rushed or like I was asking too many questions. If you’re looking for a team that is supportive, expert, and incredibly easy to talk to, I can’t recommend HCM enough! Thank you to the whole team for your help !
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Michael Hurley profile picture
Michael Hurley
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Excellent as ever
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Gianluca Godwin profile picture
Gianluca Godwin
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Mark, Becki, and Rhiannon have handled my mortgage case over the past 10 years, and I can’t thank them enough for their support. As a client of HCMO, I’ve always found them to be incredibly helpful, especially when dealing with more complex or niche property situations throughout that time. They consistently secure the best available rates and are very responsive whenever something urgent comes up. I’m sure the past five years have been particularly challenging for mortgage advisors, but they’ve continued to deliver an excellent service and achieve great results for me.
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Lucy Wadham profile picture
Lucy Wadham
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We could not recommend HCM enough. We used them to help buy our first home, after they were recommended to us through word of mouth. Mark was super helpful in helping us understand the process of buying a home and the financial side of everything. We also cannot thank Becki enough for her patience with us and our 10000 daily questions. Never made us feel silly for asking any question. We would not have been so calm throughout this process without the HCM team. Forever grateful for the care and compassion they show within their roles. A wonderful, supportive and amazing team.
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Geraldine Lewis profile picture
Geraldine Lewis
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Becki and Mark were fantastic at helping me secure a mortgage for my new home. They made the process easy and stress free, and they were both very knowledgeable. I highly recommend Home & Commercial Mortgages!
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Amanda profile picture
Amanda
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We have used HCM a few times over the years after we were recommended to Mark by a friend. Mark is so knowledgeable, professional and helpful, he always finds the mortgage that is best for us and also takes the time to explain everything so clearly. Becki and the team are all super helpful too, phone calls and emails are always answered promptly, professionally and politely. I would highly recommend HCM to anyone looking for a mortgage!