Matthew Fretwell
Financial Advisor
Profile Summary
I am Matthew, a graduate in Industrial Economics with extensive experience in finance and property since 2010. I specialise in residential and buy-to-let mortgages for both individuals and companies, bringing a well-rounded approach to every client’s mortgage journey. I have in-depth knowledge of lender criteria and understand the areas of flexibility that can make a real difference when arranging a mortgage. My goal is to provide clear, practical advice so my clients can make confident decisions. I am committed to delivering exceptional service, ensuring every client receives tailored guidance, whether buying their first home, expanding a property portfolio, or refinancing existing loans.
Investment & Financial Services Offered
Mortgages
Matthew provides expert mortgage advice for first-time buyers, remortgaging, and property investors. He tailors solutions to each client’s needs, ensuring financing is sustainable, cost-effective, and aligned with long-term financial goals.
Who Matthew Fretwell Works With
Matt works with a wide range of clients, including: - Individuals looking for residential mortgages or first-time home buying guidance - Property investors seeking buy-to-let mortgages or portfolio expansion - Companies requiring commercial mortgage advice - Clients who value clear, expert guidance and a personalised approach to their mortgage journey
Investment Philosophy & Approach
Matt’s approach is focused on practical, informed decision-making. While primarily a mortgage broker, he considers financial outcomes within the broader context of a client’s overall wealth and investment strategy. He aims to ensure that property and mortgage decisions support long-term financial goals, balancing risk and opportunity. His philosophy emphasises: - Understanding each client’s objectives and circumstances - Structuring mortgage solutions that are sustainable and cost-effective - Leveraging flexibility within lender criteria to achieve the best possible outcome
Fees & Charging Structure
Matthew’s fees are tailored to each client’s individual needs. All charges are agreed upfront and are only applied with your explicit consent. For an accurate estimate, clients are encouraged to contact Matthew directly to discuss their circumstances and the type of advice required. Mortgage Advice Fees Mortgage advice usually involves an arrangement fee, typically ranging from £200 to £500, although it may be higher for larger mortgages. Clients often have the option to add this fee to their mortgage if preferred. Commission from Lenders In addition to the arrangement fee, Matthew may receive a commission from the mortgage provider. This is fully disclosed and does not affect the impartiality of his advice. Transparency and Personalisation All fees are explained clearly before any work begins. Matthew ensures that clients understand the cost of advice and the value provided, delivering a personalised approach that fits each client’s unique mortgage journey.
Areas Served
United Kingdom nationwide, Willing to travel to meet clients up to 80 miles from WC1V 6RB.
Frequently Asked Questions
What types of mortgages do you specialise in?
Matt specialises in residential and buy-to-let mortgages for both individual clients and companies.
How do you determine which mortgage is right for me?
Matt assesses your financial situation, goals, and lender criteria to recommend a mortgage that fits your needs, ensuring long-term sustainability.
Can you help first-time buyers?
Yes. Matt provides guidance throughout the entire process, from understanding affordability to completing the mortgage application.
Do you work with property investors?
Yes. He helps investors structure buy-to-let mortgages and provides advice on portfolio expansion.
How do I start working with you?
Simply reach out to Matt for a consultation. He will review your circumstances and outline the best mortgage options available.
Do you offer advice on remortgaging?
Yes. Matt can help clients refinance existing mortgages, potentially securing better rates or more flexible terms to suit their goals.