Mortgage Advisers Harrogate

The team at 1st Mortgage Services are here to help you find the right mortgage for your current financial situation, providing bespoke, tailored, one-to-one advice throughout Harrogate and the surrounding areas.

Your Future in Harrogate…

Securing your own connections in the historic town of Harrogate is made easier by engaging the advice of 1st Mortgage Services. This supportive, friendly, and non-judgmental team is led by Julie Gilbert – a mortgage adviser with over 20 years of experience, who launched the business in back 2008. Like the popular spa town, 1st Mortgage Services has evolved in a way that builds on its impressive strengths – providing a level of service that guides clients through the entire process; from initial enquiry, right down to the practicalities of actually moving.

Customer satisfaction is the beating heart of 1st Mortgage Services, and this is achieved through the provision of bespoke, tailored, one-to-one advice. Serving clients nationwide, the company has access to a comprehensive range of over 65 lenders, allowing the team to find suitable solutions for every circumstance. Whether that is a re-mortgage, a first-time purchase, buying to let, dealing with adverse credit, company ownership, or financing a divorce – clients can expect the utmost discretion and value for money, as well as guidance on every kind of insurance associated with the mortgage process.

But the service does not end there. Re-location and property purchasing can be a complex undertaking, which is why 1st Mortgage Services is pleased to provide a further range of advice that makes every step completely clear.

  • Selling your home
  • Mortgage calculators
  • Mortgage types
  • Solicitors
  • Moving day

Your Dream Team

Ripon, York, Boroughbridge and Harrogate Branch

Jen Knowlson

Mortgage and Insurance Adviser
“The Mortgage Matchmaker"

When Jen started at 1st Mortgage Services in 2025, she brought with her 6 years experience and an unwavering work ethic to support her clients with their Mortgage and Insurance requirements in the Ripon, York, Boroughbridge and Harrogate area. Her dedication to go the extra mile and her friendly and bubbly approach is reflected in the reviews we regularly receive about Jen’s support and proactive attitude, particularly with tricky cases.

Jen will guide you through your mortgage and protection journey so you can enjoy your home in the Ripon, York, Boroughbridge and Harrogate area.

Karen Phillips

Administrator to Jen
“The Ray of Sunshine”

Karen looks after the daily administration of the business, which includes liaising with lenders, solicitors, estate agents & insurance companies and keeping you, our lovely clients updated throughout your journey with us. 

Kim Story

Compliance Manager to Pamela
“Julie's Right Hand Woman”

Wearer of many hats, Kim juggles paraplanning, administration, training and all round support for 1st Mortgage Services. Whilst she works closely with business owner, Julie, Kim also assists Pamela by ensuring her files are all fully compliant.

About Harrogate & The Area

For three consecutive years – in 2013, 2014, and 2015 – Harrogate was crowned ‘Happiest Place to Live in Britain’ in an annual poll administered by property website Rightmove, with participants citing living costs, community, facilities, contentment, safety, and town pride as reasons for their love of the place. In the same poll in 2019, Harrogate remained a frontrunner – taking second place nationally, while retaining the top spot within the Yorkshire and the Humber region.

Part of the reason for such contentment is the connectivity of the town – both in terms of community, and transport. Harrogate is home to the leading arts festival in the north of England – Harrogate International Festivals – which includes writing, literature, music and comedy events throughout the year. It is also home to the Great Yorkshire Showground which hosts many events throughout the year including the famous Great Yorkshire Show. Harrogate is also renowned for its ‘Britain in Bloom’ entries, and has a thriving grassroots sports scene, including football, cricket, hockey, water polo, rock climbing, Rugby Union, athletics, and even Ultimate Frisbee.

This connection to sport is reflected in the status of Academy based Harrogate High School as a specialist Sports College. This popular, co-educational state school leads educational provision for the town, including the independent institutions of Harrogate Ladies’ College and Ashville College, and state institutions such as St John Fisher Catholic High School and the Rossett School.

Harrogate is well served by railway connections through no less than four stations – connecting the town to Leeds, Knaresborough, York, and London’s Kings Cross. Buses, meanwhile, provide a comprehensive transport service throughout the town and surrounding areas, with electric buses operating within the town limits as part of the government Low Emission Bus Scheme. Connections to Leeds Bradford International Airport and Manchester Airport can also be made by bus and train from Harrogate.

All in all making Harrogate a great place to live, work and play! Call the 1st Mortgage Services Harrogate team to review your existing mortgage or find a brand-new great deal for your Harrogate home. Tel 01423 740885.

What our clients are saying

Pam has been an absolute life saver!! After 7 weeks with another mortgage adviser and almost losing the house we were buying - I was recommended Pam at 1st Mortgage Services. 1 week later we had more progress than the previous 7 put together - not only that but took away all my stress too. Everything went smoothly after switching to Pam and we now have the keys to our first home! And with a mortgage on a much better rate than anyone else advised too. Thanks so much will definitely recommend you to everyone!
Purchaser 2020
We recently were recommended to 1st Mortgage Services by somebody who used them. Pam is very efficient, responsive and knowledgeable. She was patient to answer tons of questions we had. She was always chasing after related parties to make sure that process does not stop at any point and we got our mortgage sorted right on the time we expected.
Purchaser 2020
Pam was incredible throughout the whole process. Her advice was comprehensive and she always responded quickly to any correspondence. Karen was also very helpful, sending us regular updates with regard to progress. I wholeheartedly recommend 1st Mortgage Services and will definitely use them again in the future!
Purchaser, 2022
Well what can I say about my experience with Pam at 1st Mortgage Services. She is amazing, enough said. Firstly thank you so much Pam for all the help and support over the last 8 weeks. Always there for help and support even when it was nothing to do with the mortgage. As Pam has worked in the housing market for many years she has unrivalled experience and understands what is happening at all points during the buying process. Thank you so much if anyone needs a mortgage please try this lady and find out for yourself. Easy and painless - many thanks Pam.
Purchaser, 2022
Sorry for the late email, I had wanted to wait until I had a good amount of time to write a proper email that did justice to the amount of gratitude that I have to you Pam (and Karen)! I moved in on Saturday and it has all been so exciting, and I know this never would have happened without you two. Honestly, I cannot put into words, and certainly not an email, how much I appreciate everything that you have done to support me with the flat buying process. I know you have gone way above and beyond and I really owe it all to you the fact this has completed and been minimally stressful. Thank you for always being available to talk to me and answer all my small questions, I honestly can’t thank you enough.
Purchaser, 2022

Speak to Us

We specialise in finding suitable mortgages for our clients from a curated list of over 65 lenders. We’ve done the hard work – we’ve already built fantastic relationships with these lenders, so you don’t have to. Our service is completely tailored to fit your requirements. We cater for most parts of the mortgage market and clients nationwide.

To inquire about succession planning or onboarding, reach out to us by email or phone.

Request an Appointment