About Us

Professional, independent mortgage advice in Lincoln

White Mortgages Ltd was formed in 2011 by Steven White CeMAP who, in 2013, was joined by his brother Robert Dip CII, Cert CII(MP). Their combined years of industry experience has resulted in a thriving business in the heart of Lincoln.


From the very beginning, our philosophy as a company has been set clearly towards treating our customers fairly and building good relationships with them, both new and existing.


We offer clear, transparent advice and a whole of market service to ensure that you, as our client, benefit from the most competitive deals the market has to offer.


Our dedicated team of advisers and administrators act on your behalf and in your best interests at all times. We are committed to giving you the highest standard of service and customer care – before, during and after your mortgage completion.

Our Commitment

As a company, we are committed to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress.

We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client.

Understanding that everyone's needs are different, our approach is as individual as you. We know the financial side of life can be complex so we work hard to get to know you and your aspirations through careful planning and consultation – providing quality advice and practical pathways to help you achieve what you want.

Treating Customers Fairly

White Mortgages are committed to offering our customers the highest possible standards of service. In so doing we are pleased to support the Financial Conduct initiative ‘Treating Customers Fairly’.

We recognise that both we and our customers have everything to gain if we look after your best interests and treat you ‘fairly’ in all aspects of our dealings with you.

Our commitment to you

We will:

  • Provide you with clear information about the products and services we offer, including fees and charges

  • Ascertain your individual needs, preferences and circumstances before recommending a mortgage

  • Only recommend a mortgage that we consider suitable for you and that you can afford – and always the most suitable from the available options

  • Not recommend a mortgage if we can’t find one we consider suitable

  • Encourage you to ask if there’s something you don’t understand

  • Give you access to a formal complaints procedure should you become unhappy with our service

How you can help us?

To help us give you the most appropriate advice, we will ask you to:

  • Tell us as much as possible about your income and outgoings, to enable us to properly assess how much you can afford

  • Let us know about changes that might affect your ability to repay a mortgage

  • Let us know if there is any aspect of our service, or of a product we have discussed or recommended that you don’t understand

  • Tell us if you think there are ways we can improve our service

Meet the Team

Director, Shareholder & 'Head Hustler'

With over 15 years in the industry, Steven is an experience mortgage & protection adviser. 

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Compliance Manager

With over 40 years experience in the industry, Mark is an experienced mortgage & protection adviser. 

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Protection Adviser

Jonny is an experienced adviser, who joined White Mortgages in July 2022.

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Samantha is an experienced administrator, who joined White Mortgages Ltd in 2015. 

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Kirsty is an experienced administrator, who joined White Mortgages in November 2021.

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Director, Mortgage & Protection Adviser

With over 8 years in the industry, Robert has a wide range of experience in the financial services. 

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Mortgage Adviser

Tom has worked within the property sector since 2006, joining the White Mortgages Team in May 2022.

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Ruth is an experienced administrator and has been with White Mortgages Ltd since 2012. 

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Rebecca has been with White Mortgages Ltd since 2018 & is an integral part of the admin team. 

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Beth joined White Mortgages Ltd in 2021 & works as part of the admin team, as well as managing our online presence. 

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Customer care is incredible. Wouldn't think of using any other advisor.

I recommend White Mortgages to everyone I know.