A proper starting pointClear advice. Careful preparation.A real conversation before any recommendation or application.
Mortgage & Protection Adviser · Melksham, Wiltshire
Mortgage advice,
made clearer.
Calm, straightforward advice built around your circumstances, whether you are buying, moving, remortgaging, self-employed or reviewing protection.
Mortgage & Protection AdviserAdvice based on your full circumstances
Based in MelkshamHelping clients across Wiltshire and beyond
Clear preparationUnderstanding the detail before an application
Flexible appointmentsPractical conversations around your availability
How I can help
Advice for real lives,
not simple labels.
Your mortgage options depend on the full position. A proper review can help establish what evidence, questions and routes may be relevant before a recommendation is made.
01
First-time buyers
A clear starting point for your deposit, budget, documents and the steps ahead.
Explore this guidance →02Home movers
Advice that considers your current mortgage, equity, timescale and the wider move.
Explore this guidance →03Remortgage
A review of the whole position, not an assumption that changing lender is right.
Explore this guidance →04Self-employed
Preparation built around how your business, income and evidence actually work.
Explore this guidance →05Contractors & CIS
A careful review where income does not fit a standard employed template.
Explore this guidance →06Complex income
Clear fact-finding where income, ownership or the property needs more explanation.
Explore this guidance →07Mortgage advice
Practical support for purchases, remortgages and circumstances requiring care.
Explore this guidance →08Protection
A calm review of existing arrangements, responsibilities and what matters now.
Explore this guidance →How it works
A calm, clear process.
A mortgage or protection recommendation should follow a proper understanding of your needs, circumstances and available evidence.
Initial conversation
Talk through what you are considering, your timescale and the questions you have.
Full review
Gather the relevant facts, priorities and evidence so the position is understood properly.
Research & advice
Consider suitable options and explain the recommendation, costs, features and risks.
Application support
Help coordinate the agreed next steps and keep the process clear as it progresses.
More targeted guidance
Context matters when your position is less standard.
These pages provide general starting information for particular working patterns and communities. They do not imply special access, preferential treatment or a guaranteed outcome.
Targeted guidance
Limited company directors
Salary, dividends, ownership and company performance considered in context.
Read the guidance →Targeted guidanceAviation professionals
For working patterns, allowances and income structures that may need explanation.
Read the guidance →Targeted guidanceVeterans & blue light workers
Straightforward guidance handled with clarity, privacy and respect.
Read the guidance →Targeted guidanceMelksham & Wiltshire
Local, relationship-led mortgage and protection advice from Melksham.
Read the guidance →
About Matt
A straightforward conversation before a financial commitment.
I’m a Mortgage and Protection Adviser based in Melksham, working with My Simple Mortgage. My role is to understand the full position, explain what may be relevant and help clients move through the process with clear expectations.
I regularly help first-time buyers, home movers, remortgage clients, self-employed applicants, limited company directors, contractors, CIS workers and families reviewing protection.
LOCALBased in Melksham, with an understanding of Wiltshire and the surrounding area.
PRACTICALClear preparation, careful research and communication throughout the process.
The work behind the recommendation
Clear explanations and steady communication.
Understand the position. Check the detail. Explain what may be worth considering.
A structured approach can help identify the evidence, questions and next steps relevant to the individual circumstances. It does not assume that one route will be right for everyone.
Client feedback
A client’s experience, in their own words.
Every mortgage journey is different. This review describes one client’s experience of the communication and support they received during a time sensitive move.
Open the source review on Google ↗★★★★★Google Business Profile
I honestly cannot recommend Matt highly enough.
We came to Matt with a particularly complicated and extremely time-sensitive situation. We needed to secure a mortgage very quickly to keep our house purchase and the wider chain together, and from the moment we spoke to him he has been absolutely relentless in trying to make it happen.
Matt has been incredibly responsive and completely on the ball throughout. He has chased the lender, spoken directly with their intermediary and business development teams, pushed for things to be expedited wherever possible and kept us updated every step of the way. Even when I’ve been chasing him for updates because of the pressure we’re under, he has always responded quickly and done everything he can to get answers for us.
We’ve had some unexpected hurdles along the way and Matt has worked tirelessly to find solutions rather than simply telling us something couldn’t be done. When time really mattered, he understood the urgency and treated it as though it mattered just as much to him as it did to us.
Buying and selling a house can be incredibly stressful, particularly when you’re working to such tight deadlines, and having someone who is proactive, approachable and genuinely willing to keep pushing makes such a difference.
Thank you Matt for everything you’ve done and for being so relentless in getting this over the line for us. We really appreciate it and wouldn’t hesitate to recommend you.
The review is reproduced verbatim. Individual circumstances and outcomes vary.
Mortgage guidance & articles
Useful reading,
without the noise.
General information to help you understand the mortgage process and questions worth asking. Articles are not personal advice.
Mortgages · 15 September 2026
Forces Help to Buy: what serving personnel should check before choosing a property
Forces Help to Buy can make a significant difference when you are planning to buy a home while serving in the Armed Forces. But there is an important distinction worth understanding from the beginning: Forces Help to Buy…
Read the article →Mortgages · 1 September 2026Before a Mortgage Recommendation: What Happens First?
When people start thinking about a mortgage, one of the first questions is often: “What rate can I get?” It is an understandable question. But a mortgage recommendation should not begin with a rate, a lender or a…
Read the article →Mortgages · 14 August 2026When Should You Start Thinking About Remortgaging?
If your current mortgage deal is due to end in the coming months, it can be tempting to put it to one side until the date gets closer. After all, if nothing needs to change today, why worry about it now? The problem is…
Read the article →A conversation, before a commitment
Choose a convenient time to talk.
Book a 30-minute discovery call online, or contact me by WhatsApp or telephone. Any advice or recommendation would follow a full review.
Primary contact
Book a discovery call
Choose an available time online for an initial 30-minute conversation.
View live availabilityBooking an initial call does not constitute personal advice.Your home may be repossessed if you do not keep up repayments on your mortgage.