Why Choose Us

Citrus Mortgages are mortgage advisers based in Shenley Wood in Milton Keynes & are well positioned to serve Milton Keynes and the surrounding areas. With thousands of products available, finding the right mortgage can be confusing; we are here to help you obtain the right deal for your needs.

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Free Initial No Obligation Consultation

All initial advice and obtaining an Agreement in Principle is free of charge and without obligation.

Not a Comparison Site

Comparison Sites do not check Lending Criteria or individual circumstances. At Citrus we research and recommend the right mortgage product for you.

Comprehensive Panel of Lenders

Citrus Mortgages has access to a Comprehensive Panel of Lenders, which means you can be confident that we can find the right deal for you.

Dedicated Mortgage Support

At Citrus Mortgages your case is not handled by call centre operators. You will always have access to your adviser and a dedicated administrator to give you expert mortgage support and advice throughout.

Customer Feedback

Citrus Mortgages place picture
4.9
Based on 192 reviews
S P profile picture
S P
5 months ago
Thank you Andrew, Vivien and Melanie for their very professional help and support in handling our mortgage needs. Right from start, Andrew's guidance on numbers was superb, taking us through various options. We initially started with sale-purchase last year and then moved to sale-BTL. Andrew guided us in every step with lots of patience, I must admire. Right from finalising deals and post completion services, I'd highly recommend Citrus mortgages. Thanks, Sushil

I am adding further to my review earlier as doing remortgage in 2026. Absolutely brilliant service and professional support from Andrew, Vivien and team. Quick response and resolution to queries. Recommended for sure!
Nyall Lewis profile picture
Nyall Lewis
5 months ago
Was suggested citrus from a colleague in a similar position to mine a few years back.

All started great but unfortunately Nick went very quiet on me on various occasions and hazey excuses and delays. Ended up doing the homework myself and securing a deal better than citrus could offer, and with more transparency.

Not sure if it’s just my circumstances or if they are busy at the moment but did not make the effort with me or any of it easy in a stressful time. Wouldn’t recommend for first time buyers.
Robyn May profile picture
Robyn May
6 months ago
We were recommended Citrus Mortgages by a customer of ours, and we are so glad we took their advice. The team is super friendly and made finding the right mortgage for our Right to Buy property feel effortless. Even though the RTB process can be quite long, they were incredibly proactive, checking in with us regularly to see how things were progressing. Most impressively, they even reached out to us when interest rates dropped to secure us a better deal! They found the perfect mortgage for our needs in no time at all. Highly recommended!
Samantha Gulliver profile picture
Samantha Gulliver
9 months ago
I cannot thank Emma and Viv enough for their total commitment and professionalism, they are a great team who keep you informed at all times throughout the process. I've used Citrus mortgages twice and on both occasions they were brilliant. I would not go anywhere else. Thank you ladies
Jack Dodd profile picture
Jack Dodd
9 months ago
David and Laura were excellent help. They were able to provide the advice I needed, and answered all the questions I had as a first time buyer. I would recommend them to everyone.
Dean Lewis profile picture
Dean Lewis
9 months ago
I called Paul the MVP of our mortgage process, he was incredibly helpful throughout the process of buying our own home and was always able to answer any questions around the house buying process, even after he had already secured us a great mortgage offer. Viv was equally as helpful in setting up life insurance for me.

I would recommend the team to anyone looking to buy a property.
George Perrott profile picture
George Perrott
10 months ago
I can’t thank Paul and Vivien at Citrus Mortgages enough! They made the whole mortgage process so easy and stress-free, keeping me informed every step of the way. On top of that, they also helped me arrange all the relevant insurances, which was a huge help. Their service is professional, friendly, and genuinely focused on what’s best for you. I’ll definitely be recommending them to friends and family, truly amazing service from start to finish!
Simon profile picture
Simon
11 months ago
From start to finish Paul Barnes made the whole process of applying for a new mortgage when moving house so simple compared to other financial advisors in the past, no question was too silly and he managed to unlock the most competitive array of offers we received. The application process was simple and fast and from being the last ones to join our chain we were the first to get our paperwork in order, thanks to Citrus Morgages.

Then Viv Powell offered up some really sound advice for insurance / critical illness cover and options we had not even considered before. Again the prices were the most competitive, it was well explained and there was no pressure to take anything we didn't want, just focused on giving us the full picture of what is available both now and in future.

Would highly recommend
I had an excellent experience working with Citrus Mortgages! They were professional, knowledgeable, and incredibly patient throughout the entire process. From explaining my mortgage options in detail to guiding me step-by-step, they made what could have been a stressful experience smooth and straightforward. Their responsiveness and dedication to finding the best solution for my needs were truly impressive. I highly recommend Citrus Mortgages to anyone seeking expert mortgage advice!

Finally, special thanks to Gavin Potter (Mortgage Advisor) who helped to get submit the Mortgage application and got is approved though my first application was cancelled when I submit via another advisor. He has an excellent experience throughout this process. And thanks to Vivien Powell (administrator) who always keep me updated on the application status on time which is stressful experience compare to my first application.

Thanks & Regards,
Senthil
Kai Howard profile picture
Kai Howard
2 years ago
A very honest and reliable Mortgage Broker. Big thanks to Andrew, Stacey and Laura for a smooth transaction. All of the complexities of securing a mortgage were handled very well and made you feel like everything was in control at every stage of the process.
Alice Bonnot profile picture
Alice Bonnot
2 years ago
Super happy! Paul and his team are very friendly and accessible. They make the process clear and easy to understand. I was a first time buyer buying on my own and really appreciated all the advices, support and guidance I got from Citrus Mortgages. Paul was recommended by a friend and I am so pleased I worked with them. Highly recommend, you will be in good hands!
James Marry profile picture
James Marry
2 years ago
We have worked with Paul and the team at Citrus for our first mortgage two years ago and most recently with our remortgage. I could not recommend them highly enough. Paul is easy to deal with, quick to respond and is always at the end of the phone or email to clarify any issues or ask any questions. In using Citrus it really took away a huge amount of stress. In our recent remortgage we believed we could not secure a better rate but Paul managed to secure us a new deal with a significant reduction in monthly payments and everything went smoothly. We will be using them again in the future and would not go with any other advisors.
Nick Terelinck profile picture
Nick Terelinck
2 years ago
Originally recommended by a family member and used them for a decade or so. Very helpful with an enquiry re selling or renting and all the stuff around this. Can’t complain.
Daniel Holland profile picture
Daniel Holland
2 years ago
Citrus was recommended to me and my partner by a family member. As first time buyers we had no idea what to do or where to start. But citrus helped us whenever we needed it. Me & my partner would just like to say what an absolute credit David Morris is to the company. He was constantly helping to find us better deals in the market. He even worked late in the evenings to help us. Thanks again citrus for making our mortgage journey as easy as possible.
It does Lighting profile picture
It does Lighting
2 years ago
Citrus Mortgages never fail to deliver, time after time. Gavin and his team are knowledgeable and really helpful, they make what is always a fairly stressful time easy. Best products are sourced and each time they beat other brokers to ensure I get the best deal for my mortgage. They are the superheros of the mortgage brokers and I would definitely recommend them without hesitation.
Beth Mills profile picture
Beth Mills
2 years ago
We've used Citrus Mortgages, Paul to be precise, for over 5 years now since our first mortgage application and we could not do it without him. He handles any of the many curveballs we throw at him without flinching, and we always come away feeling more confident about what we're doing.
Adam Thomas profile picture
Adam Thomas
2 years ago
As a first time buyer who asked a lot of questions, I couldn't have asked for a better broker than Emma at Citrus Mortgages. Very responsive, knowledgeable and friendly - I would highly recommend her and the team!
Emily Wallis profile picture
Emily Wallis
3 years ago
There's nowhere else I would trust to handle my mortgage! Emma and her team constantly go above and beyond to guide you through the process and ensure you get the best deal possible. They provide lots of helpful information to make you feel confident with your house purchase, always lovely to speak to and fast responses. I used Citrus when buying my first home and have just used them again to buy my second home - thank you!
Aaron Garzia profile picture
Aaron Garzia
3 years ago
What a fantastic company we bought our first house using Citrus mortgages. We can’t speak highly enough of the team Emma was brilliant from start to finish throughout the whole process. Laura was brilliant keeping us informed every step of the way, Vivien and Andre were also brilliant for helping us set up home and life insurance. We will be using Citrus in the future without a doubt. *****
James profile picture
James
3 years ago
Just remortgaged with Citrus. Excellent experience - very quick to respond to emails and provided regular updates. Highly recommend.
Georgie Clarke profile picture
Georgie Clarke
3 years ago
I cannot express how happy I am with Paul and the whole team at Citrus Mortgages. Paul's communication and responsiveness is nothing but perfect. He is quick to reply, wonderfully patient, and incredibly easy to understand whilst he walks you carefully through the various twists and turns of mortgage processes. As a self-employed person, he has the most amazing knowledge and, importantly, contacts. If/when I ever need another mortgage or re-mortgage I will be coming straight back to Paul. I feel beyond grateful that a friend passed his details on, and I hope to share his name with many more. If you are looking for a mortgage broker, I can categorically say (having worked with a couple) you need look no further. You will be in the most capable, knowledgeable and attentive hands. Thanks again, Paul. You are quite truly a star!
Gabrielle Sear profile picture
Gabrielle Sear
4 years ago
My colleague at work recommended Citrus Mortgages to me and I am so glad he did. Andrew has been very helpful throughout the process and has answered all of my questions. He has really taken the time to find us the best deal. Sarah-Jane has been really helpful too and has kept us up to date. I would definitely recommend using Citrus Mortgages. The deal they found us has worked out £200 cheaper than the deal our previous mortgage advisor found us. You’re definitely in good hands with their team.
Daniel Winyard profile picture
Daniel Winyard
4 years ago
I've used Citrus twice now; once for a move and mortgage-port, and again just recently for a remortgage. Really professional and helpful, always quick to reply. Wouldn't go anywhere else now.
Chloe Whitehead profile picture
Chloe Whitehead
4 years ago
Citrus Mortgages were recommended to my partner and I by a friend of ours. We have had so much help and support from Paul throughout our experience of buying our home, nothing was too much trouble and we had regular updates and conversations with him. Given the current financial times and the worries that have been highlighted in the news, we were hesitant and concerned we may not even get an affordable mortgage but we have been able to secure a very good deal through Citrus Mortgages. We couldn't recommend this company or Paul any higher, we are so pleased with the service we have received and we would definitely use them again. They have made the whole experience pleasant and effortless
82MULLAC profile picture
82MULLAC
4 years ago
We would highly recommend Citrus Mortgages. They have been excellent in helping us secure our first mortgage and 2nd year renewal. Throughout the whole process we felt supported and any questions or queries were answered quickly. Communication with both Andre and Vivien was very prompt and professional and included regular updates while waiting for the outcome of our mortgage application. As people who had no previous experience in securing a mortgage, it was very reassuring using Citrus Mortgage and their expertise.

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About Us

Our expert, friendly mortgage advisers have access to a Comprehensive Panel of Lenders and exclusive deals not available on the High Street. Our role is to find the most suitable mortgage product for you and ensure that everything goes through as quickly and with as little fuss as possible.

Whether you are just dipping your toe in the water & need some initial mortgage advice, require an Agreement in Principle or are ready to move forward with a mortgage application please don’t hesitate to get in touch.
We don’t mind how you prefer to deal with us, face to face, over the phone, via email or using our unique virtual appointment service; you can rest assured you will receive friendly advice tailored to your needs.

WE ARE HERE TO HELP

LET US FIND YOU A DEAL

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

There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is £399.

The Citrus Mortgages Team

Director

Emma Hodge

Adviser

Andrew Phillips

Administrator

Viv Powell

Adviser

Andre Marcel

Adviser

David Morris

Director

Nick Blatcher

Administrator

Laura Monaghan

Director

Gavin Potter

Director

Paul Barnes