Nick Gott Mortgage & Insurance Specialist:

Your Trusted Mortgage Broker

Navigating the UK mortgage market shouldn't be overwhelming. With over 20 years of experience and access to a wide range of lenders, I'll guide you to the perfect mortgage solution tailored to your unique circumstances.

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Expert Mortgage Advice

I am a fully CeMap qualified, FCA-regulated mortgage professional bringing decades of experience to your mortgage journey. Unlike banks offering limited products, I access the entire market to find you the most competitive rates and terms.

Based in the South West but advising throughout the UK, I specialise in home movers, first-time buyers, remortgages, and buy-to-let.

A bit more about me:

I live in Plymouth with my wife Lisa but am originally from Exeter. In our spare time, we love to walk our two spaniels, Milo and Woody, on the local beaches and moors. I am a keen golfer and also follow cricket and football.


Our Comprehensive Mortgage Services

Residential Mortgages, First Time Buyers, Home Movers, Remortgages, Buy To let.

Fixed, variable, and tracker options with exclusive rates and terms tailored to your financial situation and property goals.

Mortgage Calculations

Detailed affordability assessments and stress testing to ensure your mortgage remains manageable even if circumstances change.

Protection Products

Comprehensive insurance solutions including life cover, critical illness protection, income protection, family income benefit, buildings and contents, to safeguard your investment.

First-Time Buyer Support

Taking your first step onto the property ladder can be daunting. I am a dedicated first-time buyer specialist helping to demystify the process and will help you every step of the way. I can help you to access government schemes like First Homes and Shared Ownership.

I can also advise on a suitable conveyancer and surveyor.

95% Mortgage Options

Access competitive low-deposit mortgage products specifically designed for first-time buyers.

Increase buying power with exclusive products

Enhanced income multiples available.

£5000 deposit mortgages


Track record mortgages for renters

Available with a minimal or zero deposit.

Poor Credit

If you've had credit issues in the past that doesn't mean you can't get accepted. With access to specialist lenders if required, your dream could still be a possibility.

Self Employed

It's a myth that self employed people can't get a mortgage. If you are a Sole Trader, Ltd Company director, Partnership or part of the Contractor Industry Scheme I can help. Most lenders require a minimum of 2 years trading figures, however some do accept 1 year.

Remortgage Solutions

Could you be paying less on your existing mortgage? With interest rates constantly fluctuating, remortgaging could save you thousands of pounds over the term of your loan.

I handle the entire process from comparing lenders to managing paperwork and legal requirements, ensuring a smooth transition with no gaps in your mortgage arrangement.

Remortgage interest rates from 3.75% subject to criteria.

Buy-to-Let Specialist Advice

Whether you're a seasoned property investor or considering your first buy-to-let purchase, I provide tailored advice.

75%

LTV Available

Access competitive loan-to-value rates for your investment properties through our specialist lender relationships.

500+

BTL Mortgages

Choose from over 500 buy-to-let mortgage products, including options for limited companies and HMOs.

** Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

What My Clients Say

Ben Hobbs, First-Time Buyer

Nick was fantastic throughout the whole process.

He was very clear and concise in the information provided.

As a First Time Buyer the process was new to us but Nick made it exceptionally easy to understand. He also always responded in a time fashion.

I would highly recommend to anyone. Thank you Nick.


Debi Scott, Remortgage

Nick was friendly, professional and very helpful throughout my remortgage journey. He is supportive, efficient and provided clarity and transparency throughout.

I cannot recommend Nick highly enough.


Mike Wood, Buy To Let Remortgage

I have used Nick for two of my mortgages recently. His knowledge and communication is excellent.

He knows the market and ensures you are kept up to date at every stage.

Nick even stepped in to help ensure my mortgage completed on time when I had an issue with my conveyancer.

Highly recommended


View My Google Reviews

Latest Mortgage Rates and Market Updates

Stay informed with our monthly mortgage market analysis. Our experts monitor Bank of England announcements, lending criteria changes, and market trends to keep you ahead of important developments.

Market Outlook

The Bank of England voted to keep the Bank Rate at 3.75%, which is in line with market expectations. Lower inflation at 2.6% was balanced against increased energy market volatility.

With existing mortgage rates falling, lenders are beginning to introduce enhanced income multiples for first time buyers and home movers, increasing buying power. Income dependant.

Bank Of England base rate

30/07/2026

3.75%


Free Mortgage Consultation

My no-obligation consultation provides personalised mortgage guidance tailored to your specific circumstances. I'll discuss your property goals, explain suitable options, and calculate your borrowing potential.

If the normal working hours don't suit you that's fine I will endeavour to fit in with you.


  • Comprehensive affordability assessment
  • Explanation of all relevant mortgage products
  • Clear breakdown of all fees and costs
  • Same-day mortgage in principle certificate

Contact Me for Personalised Mortgage Advice


17 Tylney Close, Plymouth, PL6 6BX


Phone: 0789 4056972
Email: [email protected]

Opening Hours:
Monday-Friday: 8:30am-8:00pm

FCA Registered: 947058

Nick Gott is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered address: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH. Registered in England and Wales no. 08130498

 
Your home may be repossessed if you do not keep up repayments on your mortgage.

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For detailed information on how we collect, use, and protect your data, please review our full Privacy Policy

** The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

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** The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.


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