Xchange Mortgages Ltd was founded in 2006 by Matthew Kelly and James Howell and together they have over 30 years of experience in the Mortgage and Protection industry. Both Matt and James have a passion for helping people by saving them time and money, researching what is a vast and complex mortgage market. At Xchange Mortgages, our overriding objective for our clients is to find you a mortgage th
at allows you to buy or remortgage your home in the most appropriate way. A way that’s affordable to you now, next year, the year after and so on. More than that, we want to ensure that your home is yours to keep no matter what happens to you in the future. We give a fair, friendly and focused service which forms the cornerstone of our offering. We do not work on behalf of any lender or protection provider. We are independent of them, we work for YOU and solely you, with the aim of getting you the most appropriate mortgage and protection package that fits with your current needs, circumstances and goals. The expert advice we offer, combined with the volume of mortgages that we arrange, places us in a very strong position to ensure that our customers have access to the latest deals available and that they receive a first-class service. Whatever you are looking to do, we will find the right solution and take care of the entire process. We don’t just stop there though, we will continue to advise and service your mortgage and protection requirements throughout the lifetime of our professional relationship together. We search 1,000s of mortgage deals to find the right one for our customers' circumstances and needs. Some of these schemes cannot be found on the high street and are exclusive to us. You’ll get advice that you can understand and trust, completely jargon-free. We cover all aspects of property-related lending including and have a wealth of knowledge in the following areas; first time buyers, remortgages, product transfers, homemovers, Help to Buy, buy-to-let, holiday lets, new build, self-build, self-employed and contractors, offsets, Affordable Housing Schemes, bridging finance and many more. On the protection side we cover life and critical illness, family protection, income protection, accident protection, accident, sickness and unemployment cover, sports injury protection, buildings and contents insurance and landlords insurance. We are based in both Oakwood and Belper and offer home visits but we can also visit you virtually in the comfort of your own home, via video call or telephone appointment, so there are no postcode boundaries to whom we can help. Our Mortgage and Protection advisors offer fee-free, initial, no-obligation consultations and they will give you the expert advice you need at a time when you need it most. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Think carefully before securing other debts against your home. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on 09/04/2026
