Making your dream home a reality

Thomas Honour is an independent, home-buying specialist firm, providing personal, honest mortgage advice and insurance products for first-time buyers, home movers and property investors, wanting to secure the most suitable mortgage and protection deals from an extensive number of recognised lenders and providers.

Based in Brackley, we cover Northamptonshire, Oxfordshire and Buckinghamshire.

Mortgage & Protection Services

Taking out a mortgage is renowned for being a really stressful process. If you are losing sleep over:

You are not alone. The numerous mortgage products and industry-specific jargon can leave you feeling overwhelmed and often scared of making the wrong decision.

That’s why we want to make the process as simple as possible so that you don’t have to fret about your application being accepted, choosing the right product, or having sufficient equity to borrow enough for your next property.

Whether you’re looking to get your foot on the property ladder, move to a bigger home or change your mortgage deal, we can help. We can address key lenders in the whole of the UK mortgage market, including those private banks who do not have a high-street presence, to guarantee you get the best mortgage deal.

Because for us, what truly matters is you.

Our Services Include

Mortgages & Loans

We search the whole of the UK mortgage market to enable you to grab the property you want. From First Time Buyers, Remortgages, Home Movers, Joint Borrower/ Sole Proprietor Mortgage, Buy-To-Let Mortgages, Limited Company Buy-To-Let Mortgage, HMO Mortgages to Help-To-Buy Equity Loans, Shared Ownership, Second Charge Mortgages, Bridging Finance, and Specialist Mortgages, we have you covered when it comes to finding the deal that’s right for you.

Insurance & Protection

Although sometimes the best things in life come with risks ‒ from investing in property, starting a business to having your first child ‒ ensuring you and your loved ones are protected is always in your best interest. Taking the right insurance to cover you for life’s mishaps not only can provide you with peace of mind, but long-term financial stability.

Google Reviews

  • Tom was a huge help for us through the process of discussing with us our mortgage options through to having it accepted. He was very responsive and informative. We asked quite a few questions and got in touch with questions at short notice and he was always happy to give us a call to discuss. Our mortgage was accepted very quickly with the help of Tom and his team. We would definitely recommend him and use his services again.

    Alice Healey Avatar
    Alice Healey
  • Can’t thank Tom enough for his services!! Before using Tom we was pushed by our new build customer service team to use their in house approved mortgage advisor, which from day 1 did not fill us with confidence. We then chose to select our own and used Toms services which turned out to be the best decision. From the get go he was on the ball and determined to find us a mortgage to buy our dream home. He was very responsive, professional and at the end of a phone or email at all times which gave us the feeling... read more

    Leon Leroy Byfield Avatar
    Leon Leroy Byfield
  • Both Thomas and Joseph have been so helpful and kept us in the loop throughout the process. An absolute pleasure to deal with!

    kara tuckey Avatar
    kara tuckey
  • I would highly recommend any one buying a new home to use Thomas Honour mortgage services. They have help myself and my wife without uneccasry stress and dealt with everything keeping us upto date with progress and going over and above contacting my legal eagles i used to ensure everything is on track. The documentation upload is easy to use and they will ask for any information needed in a timely manner. Again - Highly recommended.

    Jason Cattermole Avatar
    Jason Cattermole
  • I cannot thank Tom and his team enough for the support they have given me as a first time buyer in securing my mortgage and completing on my home.I approached Tom about two months ago after a bad experience with a free mortgage adviser where I was left with no mortgage in place and an offer accepted on the house I wanted to purchase.Tom arranged a new mortgage for me and also appointed a new solicitor when my original ones weren’t able to support. He has liaised and chased throughout the process so I haven’t had to worry about getting... read more

    Danielle Izenstain Avatar
    Danielle Izenstain
  • I started talking to Tom at the start of the year to see what options we had to get a mortgage and to buy our first home. Before I spoke to Tom I was so sure that getting a mortgage was unachievable but with Tom's guidance and vast knowledge of products available we quickly realised that it was achievable and actually something we could do quite quickly.I first spoke to Tom in July and we completed on our very own home last week! In less than 4 months we went from thinking we were stuck in rented to completing and... read more

    Lisa Giles Avatar
    Lisa Giles
  • I was recommended by someone to use Thomas Honour and I have not been disappointed. Very helpful, explained everything clearly and helped me through the whole process. I would highly recommend.

    Ellis Currell
  • Tom is very professional; his advice and guidance made securing a mortgage for my first home very straight forward. I would highly recommend his services. Thank you.

    Ashley Russell
  • A massive thank you to the team at THMS for helping me along with my mortgage offer and making the whole process seem effortless. I was recommend by a friend to use THMS as they had used them as their Mortgage Advisor. When I had spoke to Thomas at the first initial stage he was very welcoming and was very knowledgable about what my options were. From here he always kept in regular contact with me to ensure I was made aware of any changes/updates. I have also been in regular contact with Hannah and Joseph who have also been... read more

    Andrew Thomas
  • A very professional and yet friendly service. Knows what he is talking about and helped us even out of hours when we needed it. Will definitely use again.

    Yvonne Konczak
  • Tom provided us with an amazing service throughout the process! Buying our first home felt so unbelievably easy, he always made me feel at ease with his expertise and I know things were under control. He was always quick to reply and helped me understand things that weren't even his responsibility! Everything was complete in a very timely manner, and when pressured by the builders you managed to get us an Authority to proceed in a matter of hours, so we could get the house we wanted! Thank you so much for helping us, I will always recommend your services!

    Victoria Varzi
  • I would highly recommend Thomas for anyone looking to get a mortgage! We were looking for a really big loan during the trickiest of times when banks were being incredibly cautious about loans and he was incredible at sorting it for us! There were a lot of hoops to jump through and he helped us to navigate them all. He is super professional yet friendly, calm and supportive. Thank you Tom!

    Briar Keen Avatar
    Briar Keen
  • The service that Tom provides is second to none, he makes the mortgage process seem so easy and stress free that it isn't worth trying to go through it yourself! Tom explains everything that he is doing and why it is necessary, so as first time buyers it really put our minds at ease (and we got a really good mortgage as well!).Tom's communication is excellent and he is available day and night for any query you might have. He is friendly, very knowledgeable and has kept us informed at every stage in the process so we knew there was... read more

    Ben Forward Avatar
    Ben Forward
  • Thomas advised my husband and I on the purchase of our first house, and we can't recommend him highly enough. He gives a huge amount of effort, responds extremely quickly, gives advice on every aspect of the buying process, not just on the mortgage. He made the whole process really smooth, keeping us sane throughout!Thomas's professionalism and expertise are very impressive, we couldn't be happier with his services.

    Isabel Wilkinson Avatar
    Isabel Wilkinson
  • A very heartfelt thank you!Moving house is up there with stressful situations and Tom’s calm professional and measured approach to finding and arranging our mortgage was so reassuring.Tom did not just arrange the mortgage but was with us all the way through the process and pivotal to us completing on the day we needed to by constantly chasing the lender and solicitor.Cannot recommend highly enough, will definitely be contacting you again when we need to remortgage!

    Joanna Coxall Avatar
    Joanna Coxall
  • Tom was super efficient, knowledgeable and friendly. We are very pleased with the service he provided to us and would highly recommend

    Hannah Fall Avatar
    Hannah Fall
  • Having spoken to a few mortgage advisors to start with about our complex situation ( bad credit / first time buyers with no idea if it would be possible to obtain a mortgage.) Thomas was the only one that gave us that feeling that he would give us 110% and we was right!Having been very anxious the whole way through with using a specialist lender ( making it harder.) Thomas kept us up to date with everything the whole way through.. I would ask him with a question at 9pm on a Sunday and he would reply within minutes. As... read more

    Jason Clarke Avatar
    Jason Clarke
  • Tom has been fantastic from start to finish. Nothing we asked was too much. He made the process easy to follow and kept us updated right through. When things went a little bit wrong with the transfer of funds by solicitors, he took over communication with them in order to resolve, whilst also settling our minds. Thanks for making it easy for us Tom!

    Neil Hopkins Avatar
    Neil Hopkins
  • Thomas was excellent in helping us with our remortgage application.He was very informative and really listened to our circumstances to give the best advice.Found us a great deal straight away (saving a substantial amount each month). Due to Thomas’s due diligence this was accepted in the quickest time imaginable. Then COVID hit but his communication and persistence in chasing has gotten the mortgage over the line and we couldn’t recommend highly enough.

    James Lay Avatar
    James Lay
  • Couldn’t of asked for an easier mortgage renewal from Tom. Quality from start to finish.

    Tom Watson Avatar
    Tom Watson

About Us

Thomas Honour Mortgage Services is a family-run business, born from a deep desire to help people make their dreams a reality and obtain the finance they need for the property they want.

Today, they are a passionate team of three, committed to delivering a welcoming, professional service which enables people to gain access to better deals, leading to a happier lifestyle.

Helping clients with mortgage and insurance products across Northamptonshire, Oxfordshire & Buckinghamshire


You’ll find a variety of articles about mortgages, property and everything in between!

Video Resources

3 Mistakes to Avoid When Applying For A Mortgage

To maximise your chances of being approved for a mortgage you need to avoid these pitfalls.

First Time Buyer Deposit

In this short video I discuss your options for a deposit ☝🏼

Why Your Agreement in Principle is Worthless

What most brokers and agents do not want you to know 🤫

The Mortgage Application Process

“Enquiry to Keys” 🔑 🏡 The entire mortgage and home buying process explained from start to finish.

How To Make An Offer On A Property

This short video explains everything you need to know about making an offer on a house.

Mortgage & Home Buying Costs
In this short video I provide everything you need to know about the associated costs when obtaining a mortgage and buying a house.
How Much Can I Borrow?
In this live session I tell you the key factors considered by a lender when assessing your affordability and how much you can borrow.