About Us

We founded Thomas Nicholas in 2009 to provide fee-free residential mortgage advice. Our aim is to simplify the mortgage process, to get you the finance you need, and to ensure you and your family are protected.


At Thomas Nicholas, we’ll guide you through each step of the moving process. We’ll find the right mortgage deal for you, liaise with the solicitors and estate agents, and even help you with removals.

As well as fee-free mortgage advice, we’ll also give you the peace of mind that you, your income, and your family are protected should the worst happen.

Our fees

For online moving advice, we’re completely fee-free. Our service is funded by lenders, so whether you’re looking to move or improve your home, we won’t charge you a penny.

The only services we charge for are specialist loans which require just a little bit more time and expertise to get over the line. Click here to find out more.



Meg Evans

Such an amazing mortgage advice service! They kept us in the loop with every process of buying our first home and made it seem easy and not stressful.  

Samuel Cowan

Thomas Nicholas provide a great service, support and advice throughout and have taken a lot of pressure away from the stress of moving house. 

Scott Maclennan

Many thanks to Thomas Nicholas for their help while we remortgaged. This is the second time we've used their financial service. Once again they catered perfectly to our needs. 

Alex Haws

Great service from Tom and the team. They talked us through all the options for our first mortgage and got us a great deal. They were also able to help with solicitor recommendations. 

Daniel Wilson

Once again, excellent service provided by Thomas Nicholas. The support and help all the way is brilliant. Will always use them to remortgage as it's made so easy by the staff. 

Coco Hardy

Tom and his team were excellent assisting me with my first home purchase. They even helped me with insurance and personal income protection. I wouldn't have known where to start without their help!