Advice you
can trust.

Mortgage advice from experts with over 40 years' combined experience in residential, buy-to-let, protection, and commercial finance.

Residential Mortgages· Buy-to-Let· Protection· Buildings & Contents Insurance· Commercial Finance· First Time Buyers· Remortgages· Residential Mortgages· Buy-to-Let· Protection· Buildings & Contents Insurance· Commercial Finance· First Time Buyers· Remortgages·

A fresh approach to mortgages & finance.

In 2024, Daniel Smalley and James Mason launched Mason Smalley with a vision to provide a fresh approach to mortgages and commercial finance for clients across the UK.

Founded on the principles of a traditional brokerage - building a company on relationships - combined with technology to provide a seamless, modern experience.

40+
Years' combined experience
100+
Lenders on panel
UK
Wide coverage
5★
Google Reviews
MS

Trusted by hundreds
of homeowners.

01

We're Experts

Our advisers are seasoned professionals who know the ins and outs of the mortgage market, working across the whole market to find you the best deal.

02

We're Trusted

We focus on finding the right mortgage for you. Our clients trust us to manage their mortgages and protection, as reflected in our 5-star Google reviews.

03

We're Passionate

We take pride in helping our clients through some of life's biggest moments - from first homes to growing portfolios and everything in between.

Our Services

From first time buyers to complex commercial lending, we have the expertise to find you the right solution.

home

Residential Mortgages

We help with almost all aspects of residential mortgages - first time buyer, moving home, remortgages, product transfers, and buy-to-let. Advice to find the best deal for your circumstances.

shield

Protection

Safeguarding your financial future and family through expert protection advice. Life insurance, critical illness cover, income protection, and buildings & contents insurance.

business

Commercial Finance

A wide range of commercial funding options including commercial mortgages, portfolio finance, development finance, bridging loans, and more - with access to over 100 lenders.

Meet the Team

DS

Daniel Smalley

Director & Head of Residential
daniel@masonsmalley.com
07411 223 955
JM

James Mason

Director & Head of Commercial
james@masonsmalley.com
07403 225 015
LH

Leisha Hatton

Mortgage & Protection Advisor
leisha@masonsmalley.com
07401 132 438
JP

Jay Patel

Mortgage & Protection Advisor
jay@masonsmalley.com
07961 203 823

Ready to begin your
mortgage journey?

Start your application online, or speak to one of our advisers directly. We’ll search deals from across the market to find the most suitable for you.

hello@masonsmalley.com

Frequently Asked Questions

Answers to our clients' most frequently asked questions.

How much can I borrow for a mortgage? +

How much you can borrow depends on your income, expenditure, credit history and the lender's criteria. Typically, lenders offer between 4 and 5.5 times your annual income. Our advisers will assess your full financial picture to find the maximum you can comfortably afford.

Do I need a deposit to buy a house? +

Yes, most lenders require a deposit of at least 5% of the property's value, though a larger deposit (10–20%) will usually secure a better interest rate. There are also government schemes like Shared Ownership which can help if you have a smaller deposit.

What is the difference between a fixed and variable rate? +

A fixed rate locks your interest rate for a set period (typically 2–5 years), giving you certainty over monthly payments. A variable rate can go up or down, potentially offering lower initial rates but with less predictability. Our advisers help you choose the right option for your circumstances.

How long does the mortgage process take? +

From initial application to completion of your purchase or remortgage typically takes 8 - 12 weeks, though this can vary depending on the complexity of your case, the lender, and the property chain. Our team works to keep the process as efficient as possible.

Do you cover the whole of the UK? +

Yes. While we're based in Rearsby, Leicestershire - close to Leicester city centre - we advise clients across the whole of the UK. Much of our process can be handled online and over the phone, making it easy to work with us wherever you are.

Is your mortgage advice free? +

Our initial consultation is free with no obligation. We'll discuss your situation, answer your questions, and explain how we can help before you commit to anything. Our fees are always transparent and discussed upfront.