We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress.

  • I’ve used Cradon Mortgages a number of times, Steve has always been very helpful with advising me the best options available and makes sorting the mortgage the easy part when buying a house. Would highly recommend to anybody. Adam


  • Steve has been my broker since 2014 and has completed many mortgage / remortgage applications for me. Steve is professional, efficient, easy to talk to and always up to date with the latest products. He communicates directly with lender's underwriter to offer valuable advice tailored to one's needs. He is totally trustworthy and highly recommended.


  • Phil was recommended to me by a friend in 2012 and has been invaluable to me since then. He set up my first residential mortgage at a time when I faced a series of challenges and he’s been my go-to-guy for my BTL needs. I know I can drop him an email and get honest advice whenever I need it. I’d certainly recommend his services. Iftikhar R

    Iftikhar R

  • I have been using Phil’s services for several years now – and I can honestly say his work is very professional and helpful. He dedicates his time to deliver me good products and excellent service.


  • Thank you so much for making my mortgage easy and painless. Had 3 other mortgages brokers in the last 5yrs and all seemed to be aggravation and didn't really get me the best deal,unlike you guys. Thanks once again,

    K Read

  • I could not recommend Phil enough! This is our second time using his services for our mortgage and I wouldn’t go to anyone else, a totally stress free experience done completely in my own time, there was no pressure at all, he answered all my questions and made everything simple to understand, each time went smoothly, a very quick and reliable service! Thanks again for everything, Leslie & Alison.

    Leslie & Alison

  • Thank you Phil - for yet again for providing us with a stress free service. Your ability to keep me calm is so appreciated - I can’t believe you still have the time to response to my most stupidest questions - but you do. Not only are you super smart and trustworthy but you are also caring (which is the best attribute). This is why I always recommend you. Karen, Lenka and Molly.

    Karen, Lenka and Molly.

  • Thanks so much to Phil for completing another stress free re-mortgage for us. He goes above and beyond to provide the best possible service and get the best deal for us. We have used Phil at Cradon Mortgages for many years and will continue to do so for many years to come. Fab service! Thanks again Phil! Donna & Carl

    Donna & Carl

  • If you want simply excellent, seamless, pain free mortgages use Phil at Cradon mortgages. I have used Phil’s mortgage services for over ten years now and I am very happy to highly recommend him to others. Jon

    Jon M

  • Friendly, knowledgeable and professional service as always. Thanks again to Phil and the team for both the invaluable advice and for taking all of the hard work out of the mortgage application.


  • Knowledgeable, resourceful and always thinking of the questions you’d never think to ask yourself, Phil has always been brilliant. He’s easy to deal with, thinks one step ahead and takes the hassle and hard work out of it all, making buying a home as easy and enjoyable as it ought to be. Thanks again! Marc & Gill

    Marc & Gill

  • Thanks again Phil! So helpful and clear, it really is a pleasure to hear from you. I can’t stand personal finances admin and you really take the sting out of it. Thanks for making my life easier (and cheaper!) Jim

    Jim G

  • Thank you so very much for Phil and the team for helping making our change of mortgage deal swift an easy-yet again! Will always use these as I trust them completely! Thanks again-Laura and Chris

    Laura and Chris

  • Just wanted to say a huge thanks to Phil. Made everything so simple and understandable. He was recommended to me by a friend and she kept on and on about him, now that’s me going on about him to others. Gave so many different options for me and was so quick with responding to my queries.


  • We have worked with Phil at Cradon Mortgages for a few years now and can highly recommend. Phil was recommended to us by a friend and he’s certainly lived up to that recommendation. Through circumstance we have a couple of properties and that can be quite a minefield when you don’t really know what you’re doing. Phil has worked with us, helping us navigate buy to let, let to buy and re-mortgages. He’s been on hand throughout answering our questions, the amount of scenarios we have given him has seemed endless, and he always comes back with the clarifications to enable us to make the best decisions. He must have a medal for patience somewhere!

    Hayley & Emma

  • Phil at Cradon has been assisting me and family members for several years now, and is always incredibly reliable, efficient and easy to deal with. He has consistently ensured that we secure the best product for our needs. I highly recommend him.

    Audrey S

  • Phil at Cradon Mortgages has assisted myself, family members & friends in securing good product for our differing requirements, on many occasions now, & over a number of years. Always courteous, reliable, & efficient with the service delivered in good time. A pleasure to work with. Highly recommended.

    Clayton R

  • I have been using the services of Phil at Cradon for many years now. I have always found the whole process to be straightforward and stress free. Jon G. Hertfordshire

    Jon G. Hertfordshire

  • We have used Phil at Cradon for the last 3 mortgages we have taken out and we have found the process each time very straightforward and easy to navigate. We have been really well looked after and everything was explained by Phil at each stage of the application. It’s reassuring to know Phil is able to sort out all of the issues which have arisen and always explains things clearly and we have been able to complete various home improvements as a result of our new mortgage. Thanks to all the team, Mark and Emily

    Mark and Emily

  • It’s always so daunting buying your first house. Phil and the team are incredible at sorting out all there is and getting the best rate possible. It’s made us feel at complete ease as we know they always choose the best rate tailored to us and our needs. For over 7 years, we have also used them to remortgage, we wouldn’t dream of going anywhere else. We have also used them to sort out insurance for our house and our business too! We have ourselves brilliant cover and at a very good price. Absolute brilliant team. Thank you all so much! Laura & Chris

    Laura & Chris

  • We have been using Cradon Mortgages for the last 6 years from when we bought our first home having been recommended Steve by friends. Most recently Phil helped us move from our first home to our new family home. Phil has been fantastic in helping us port our mortgage, helping with all our insurances, he has kept us up to date throughout a very stressful process and has always been at the end of the phone/email to answer our questions/queries. He has gone above and beyond to help us! Would highly recommend Phil, Steve and the Cradon team! Kind regards, Maxine

    Maxine & Nick

  • Steve has assisted me with 3 mortgages over the last 10 years and I would definitely recommend him based on responsiveness, ability to secure great products and clear explanations as questions arose. He was great at providing updates, even when it was "no update as yet" so we knew where we stood and I was confident that his advice was sound. I have also bought insurance through him and again that has been efficiently handled.

    Martina C

  • We would highly recommend Steve from Cradon Mortgages, he was incredibly helpful through out the entire process, ensuring everything was fully explained whilst also taking the time to answer any of the questions we had. As first time buyers we had plenty of questions about how things work, and Steve was quick to answer these questions for us and we felt no pressure at any point. On top of everything else the mortgage that Steve managed to offer for us was by far the cheapest compared to what we were offered elsewhere. A thoroughly professional, impartial and friendly service. I would have no hesitations recommending Cradon Mortgages to anyone else and will certainly be contacting Steve in the future. Thanks for everything! Jamie and Chloe

    Jamie and Chloe

  • Steve was recommended to me by a friend almost 10 years ago. He helped me get onto the property ladder by taking all the elements that I thought made it impossible for me to buy a property and found me a mortgage. He has always contacted me in good time before my agreement steps up and finds me a new mortgage that suits whatever position I am in at the time. And he has just helped my husband, son and I buy our first house 10 years on from my 2 bed flat. I have recommended him to countless friends over the years, I wouldn't trust anyone else to take such time and care to find me the best possible mortgage. Steve is always quick to respond to any questions, he listens, is extremely patient and always puts your needs first when looking for a mortgage agreement. You are in the best hands when talking to him, I couldn't recommend him more highly. Natasha, Tom and Harry

    Natasha, Tom and Harry

  • Fabulous service from Phil. He was so helpful and patient (even with our seemingly never ending lists of questions!) Always quick to respond with good advice. Really pleased, thank you so much! Lisa & Ken

    Lisa & Ken

  • Following a recommendation from friends who have used Phil for many years, Phil has now been providing me with mortgage twice since 2007 on two properties that I own. One is my primary residence, the other a buy to let. He has always provided me with a number of different options to consider taking account of the long-term outcome I want to achieve. It is Phil’s wider knowledge and commercial acumen in focusing on the end goal that has saved me money and placed me in a better financial position at the time each mortgage has come to renew. Information is presented in a concise, factual way. His business has strong virtual compliance systems in place that make it easy to finalise paperwork and get the best deal! It is always a positive experience when interacting with Phil - he is professional yet very personable. We always have a laugh about life through what could easily be considered a stressful or boring process. I have recommended Phil to my friends and work colleagues who now also use his outstanding service. As ever, thanks for all your support Phil!

    J Darby

  • We first used the services of Phil Sarginson in 2011 for the remortgage of our flat and new mortgage on another property. We were immediately impressed by his knowledge, approachability, ability to simplify and speed of getting things processed. He removed all the pain from the process and was brilliant to deal with. When we needed further advice in 2018, Phil was the obvious choice, and once again the advice and service he provided was excellent. He even strongly advised us to leave one mortgage where it was, thereby diddling himself out of a fee. I completely trust the advice he gives, and will certainly recommend him to my friends.

    Caroline and Micky

  • The professionalism, help and fantastic communication puts Phil Sarginson and Cradon Mortgages above any other company I have ever used for moving and re-mortgaging. Phil has always catered for every thing we needed and I felt happy to share all our financial details with him with the assurance of confidentiality and safety. He made all the paperwork seem so simple to complete for both our re-mortgage and our new mortgage. We have used him in the past and have recommended him to many friends who have always had great things to say about his help in reducing their financial commitments and helping with obtaining their dream home. Well done Phil and Cradon Mortgages for your professional friendly and well run business. Francky & Mark

    Francky & Mark

  • We have come back to Phil Sarginson at Cradon Mortgages three times over the last six years, and would not go anywhere else for mortgage advice/assistance. He makes a complicated process so easy and has always responded very quickly – our most recent re-mortgage took just four days to complete. We would, and have, strongly recommended Cradon Mortgages to anyone wanting mortgage advice, and we will be returning again when our new fixed deal expires. Rory & Vicki Thanks again Phil.

    Rory & Vicki

  • Phil really takes the stress out of the mortgage process. He is really thorough and explains all the available options clearly. This is the second time we have a got a mortgage through Phil and I happily recommend him to friends. Oliver and Claire

    Oliver & Claire

  • We would highly recommend Philip Sarginson at Cradon. He managed to get us a fantastic deal, has been great support throughout the whole process from start to finish. He's always happy to answer any questions we had and in a timely manner, help us with solicitors and land registry queries. Phil was recommended and I can see why. Hes has been more than your typical adviser and felt he had our best interests at heart through the whole process. Thank You Phil. We look forward to doing business with you again in the future.

    Gemma & Richard

  • Excellent service, as usual. We wouldn’t go anywhere else for our mortgage advice. Prompt responses & everything is always fully explained. Thank you in particular to Phil Sarginson, who was recommended to me by my Dad 5 years ago. We continue to go back. Any advice we need in future we will be back. Thank you.

    David & Heather

  • Excellent service, as usual. We wouldn’t go anywhere else for our mortgage advice. Prompt responses & everything is always fully explained. Thank you in particular to Phil Sarginson, who was recommended to me by my Dad 5 years ago. We continue to go back. Any advice we need in future we will be back. Thank you.

    David & Heather

  • Superb service and a very professional service. The whole process was progressed with regular updates and sound advice. We were never left ‘wondering’ and we cannot praise the team (and In particular Phil Sarginson) highly enough. Thank you!

    Sean Yates and Mary Purcell

  • Hi, this is our testimonial for Steve Bradley, he was superb. "Having been recommended Steve by a family member, we have found him to be incredibly helpful, patient, diligent and calm throughout the process. As first time buyers, no question was too big or too small and he simply went above and beyond and exceeded our expectations. We wouldn't hesitate to recommend his services to anyone." Many thanks, Harry & Katie Houghton

    Harry & Katie Houghton

  • I can’t thank Steve Bradley enough for the support and help he has provided to me. This was my first time getting a mortgage and Steve made sure all my questions were answered and everything was completed in good time. He has been amazing through out the entire process and was always ready to help me at any given moment.

    Jarmila Pereira

  • Steve has been amazing, always so speedy to respond to all my random query’s, even over Christmas and weekends. He was recommended by a couple of friends and will recommend him to any family and friends needing a mortgage. Absolutely fantastic, won’t go anywhere else!

    Louise and Josh

  • ‘Having used Steve Bradley in the past I recently contacted him to help me remortgage and he found me the best deal that suited my needs. He is always on hand to answer questions and provide clear explanations. Efficient, professional, friendly and honest, I would highly recommend him to anyone. Thank you Steve for a stress free transition over to my new mortgage.’

    Catherine Martin

  • Phil has helped us both remortgage our existing property as well as purchase a new flat. He made choosing a mortgage very easy by guiding us through our different options, explaining in simple terms what the costs and benefits of each were and giving us great advice. We had many questions which Phil answered very quickly and in easy to understand terms. Throughout the process we felt in control of what was happening and it was very stress free, largely down to all the work Phil put in on our behalf. I would highly recommend using Cradon Mortgages, the service they provide is outstanding and their fees are very reasonable. Nicole & Jake

    Nicole & Jake

  • My wife and I have known Phil at Cradon Mortgages for many years and he has assisted us through the mortgage minefields for personal and buy to let properties and for life assurance. He has always made thing clear and over the years saved us time and money. His fees are always competitive and very fair given the research he does on our behalf. We do not hesitate to recommend his services.

    David and Laura Jeffries

  • We have used Phil and his financial services on numerous occasions now. We would highly recommend the services they offer. Phil is professional, knowledgeable and very efficient in what he does. I wouldn’t go anywhere else for my financial services in the future because I know phil and his team would get us the best there is. Well done to you all for Providing excellent customer services and delivering what your customers needs. Very satisfied customers once again. Mr and Mrs O’Connor.

    Mr and Mrs O’Connor.

  • We have called upon the services of Phil on five occasions to renew our mortgage. His professionalism, knowledge and customer service are first class. I have recommended to everyone who has ever sought the services of a respected financial services professional and none have ever been disappointed. Do not hesitate to use this company, they are exceptional. Steve


  • Steve Bradley worked tirelessly to get me the best possible mortgage for my needs, was always there to answer any questions I had, and succeeded in getting me a fantastic mortgage at a brilliant rate. Thank you Steve! Megan


  • I have used Steve Bradley ever since I bought my first house. He has been invaluable in his advice and has paid for himself many times over. You can always get hold of him when you need to and now whenever I get a letter through regarding my mortgage the first thing I do is drop Steve and e-mail and let him sort the rest, freeing up my time for other things rather than wasting hours looking on mortgage comparison sites. James Barlow

    James Barlow

  • I have used Steve Bradley to source the best deal for me on my mortgages for more years than I care to remember. He is always very knowledgeable, efficient and honest. Communication is always swift, helpful and no question too trivial. I've already recommended Steve to friends and would never hesitate to do so in the future. First class service . Lynn


  • I have used Phil Sarginsons services for a mortgage several times over the years and do not hesitate to recommend him to anybody seeking a mortgage. He is super efficient and very helpful. Yes you pay fees, but on many mortgages there are hidden arrangement fees anyway. The truth is you save a lot of time and frustration, and he will get the best deal for you. So there are many benefits to using his professional services.


  • We have relied on Phil three times now for mortgage advice and cannot thank him enough for his help each time. We have switched providers and saved money easily by using Cradon Mortgages. Phil has been easy to contact and extremely helpful with my many questions. Sarah & Nic

    Sarah & Nic

  • I'm constantly recommending Phil Sarginson to people because he's always so helpful and efficient - more importantly, he always delivers and finds the mortgage I need. In fact, I'm often thanked by people for bringing Phil into their lives! He never tires of my constant questions and he's really taken the stress away of finding, and understanding, a mortgage for me. Linsey.


  • Can't thanks Steve enough. Always answering my emails straight away. It was my 1st mortgage and Steve was such a great help, No question was too silly and he was always so professional Would defiantly recommend to friends and family

    Emma Cox

  • Steve Bradley of Cradon a Mortgages. A wealth of knowledge & experience, very open & honest. Helped me on numerous occasions get the best deal thats right for me. Always kept the lines of communication open. Took the edge off what could've been a very stressful situation when buying & selling my home. Can't recommend his services enough. Thanks again


  • Massive thank you to Phil Sarginson for all the help in the purchase of our first home. Responding to all our emails, calls and queries with impressive speed, giving clear definition each time. From start to finish we completed within half the expected time, exchanging at just 3 months after first contact. Exceptionally happy. Jenny and Stuart

    Jenny and Stuart

  • Steven Bradley was recommended to me by a friend to deal with my first mortgage back in 2015, he has now just dealt with my new mortgage and I have to say it was entirely stress free (for me). It was done so simply and efficiently and he worked so hard to get me the best deal possible. I have now recommended him to friends and family myself. 5 * service.

    Laura Palmer

  • A big thank you to Steve Bradley, for my 2nd remortgage through Cradon Mortgages. As with the 1st experience, Steve was extremely helpful and everything worked out in the favour of my pocket. No question is too trivial, and the replies are always in a language I can understand. Thanks again.


  • Thank you to Cradon and especially Phil Sarginson for helping to make the remortgage really easy and stress free. This is the second time we have used Phil to help with our mortgage in both cases he has provided a really simple service with very good advice and recommended not only the cheapest mortgage rates but also those with the lowest fees. Matt and Suzy

    Matt & Suzy

  • Just wanted to express my thanks to Steve Bradley for all the hard work and advice he gave us investigating the best type of mortgage for my daughter Louise. The professionalism, experience and knowledge he has, helped us obtain a mortgage with an interest rate and deposit, which suited her needs as a first time buyer perfectly. It’s really refreshing to see this level of genuine personal care, which goes the extra mile and is the reason we continue to use, trust and recommend Steve to family and friends. Dave Perkins

    Dave Perkins

  • "Used Cradon Mortgages for many years now and they've always provided an excellent and professional service with a special mention and thank you to Phil" Alan and Kay Milton Keynes

    Alan and Kay

  • Phil Sarginson has been assisting us over the years with our various house sales and purchases. Our finances, including mortgages and bespoke protection plans, have been consistently and thoroughly organised, relieving us of all of the associated stress. We trust Phil’s wisdom and capability 100% and have recommended him to family and friends, all of whom have had an equally positive experience. Thank you as ever Phil! Sarah & Sue (Northampton.)

    Sarah & Sue

  • A superb service that took all the stress out of searching for the right mortgage for us. Phil was superb and will recommend him to all our friends.

    M Davies, Staffs

  • “We have been clients of Cradon Mortgages for over six years, and their commitment to our needs is the very reason as to why we will continue our relationship with them. Cradon are not only professional and thorough with their knowledge, they are compassionate and caring. Phil has been our rock, he has provided us with the best advice and deals. He has really gone above and beyond to assist us, he has not only been a professional but a great friend too. “

    Karen and Lenka, London, BR1

  • The Service I have received is second to none. Reliable, professional and trustworthy- I thoroughly recommend Cradon Mortgages- you won't find a better service provider. They take the stress out of re-mortgaging.

    A Wood, London N13

  • I found my experience with Cradon Mortgages stress free, informative and helpful. I dealt with Phil who was experienced and professional and who guided me through the whole process to a successful purchase.

    Mrs S Tripp, Chelmsford

  • Fantastic service. Polite, swift, great advice and saved me money on my mortgage!! Very happy.

    Mr A Harriss, Enfield