North To South Financial Services

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Your Mortgage, Sorted | 5⭐ Rated
First-Time Buyers → Home Movers
Remortgages | Adverse Credit
⬇️ Link to book your appointment with us👇
www.northtosouthfs.co.uk

📧 [email protected]
☎️ 0115 7845546 “North to South Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Limited which is authorized and regulated by the Financial Conduct Authority”

“YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE”

“We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.”

“The Financial Conduct Authority does not regulate most Buy to Let Mortgages”

18/10/2026

Imagine telling these two 22-year-olds they’d end up married and running a mortgage brokerage together.

A little Sunday throwback to 2013 and us singing Money On My Mind on the way to Blackpool, without a care in the world.

13 years later, we’ve grown up together, built a life together and somehow built a thriving business together too.

Still the same two idiots, just with a few more responsibilities. We’ve always been a package deal. 😂

And 13 years on, we’ve still got money on our minds every single day… only now it’s helping you lovely lot with your mortgages! 🏡🤎

“Above & beyond” 🤎Three little words that pretty much sum up exactly how we want every client to feel.Because to us, it’...
16/10/2026

“Above & beyond” 🤎

Three little words that pretty much sum up exactly how we want every client to feel.

Because to us, it’s never just about getting the mortgage sorted.

It’s answering the questions, chasing things when needed, keeping you updated and being the person in your corner from start to finish.

And the biggest compliment? "Will definitely be using again.”

That’s the kind of review we’ll never get bored of reading. 🏡

If you’ve found yourself here, HELLO! 👋🏼🖤A little introduction to the people, the story and the passion behind North to ...
15/10/2026

If you’ve found yourself here, HELLO! 👋🏼🖤

A little introduction to the people, the story and the passion behind North to South.

Built from scratch, grown through recommendations and forever grateful for everyone who’s trusted us along the way.

We’re not your regular mortgage brokers. And we don’t really want to be.

For more, visit www.northtosouthfs.co.uk

Love, Lauren, Zach & The NTS team x

This is your sign. ✨You didn’t manifest this post appearing on your feed for no reason.Maybe it’s time to stop wondering...
14/10/2026

This is your sign. ✨

You didn’t manifest this post appearing on your feed for no reason.

Maybe it’s time to stop wondering if you could buy a house and actually find out 🤎

Can we PLEASE normalise speaking to a mortgage broker before you’re actually ready to buy a house?! 🏡👏

Because I think so many people put off booking an appointment because they think they need to have everything figured out first.

The perfect deposit.
The perfect credit score.
The perfect salary.
The perfect house.

YOU DON’T 😂 and we speak to clients every day who don’t!

You don’t need to be viewing houses next weekend, have £20k sitting in your savings or even know where you want to live.

Sometimes an appointment is simply about finding out:

🏡 How much you could borrow.
💸 How much deposit you might need.
💰 What your monthly payments could look like.
👀 Whether your credit history could be an issue.
🫶 What you need to work towards to get mortgage-ready.

And sometimes the answer might be “not just yet.”

THAT’S OKAY TOO.

Because wouldn’t you rather know what you need to do now than spend another year assuming you can’t?

We’d much rather have a conversation with you 12 months too early than one week too late.

AND BEFORE YOU ASK ABOUT OUR FEES… 👀

Our initial appointments are completely FREE.

Our broker fee is £495, and you don’t pay us a penny of that until your mortgage offer has been issued.

So no upfront broker fee, no pressure to buy a house tomorrow and absolutely no expectation that you’ve got your whole life figured out.

Just a conversation about what’s possible, with a mortgage broker who’s happy to help you work out how to get there.

Because the first step towards buying a house isn’t finding one on Rightmove.

It’s finding out what you can actually afford. 🏡🤎

📲 Book your free initial appointment at www.northtosouthfs.co.uk

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

14/10/2026

We’re not your regular mortgage brokers. And we don’t really want to be. 💅🏡

We’re the mortgage brokers you can WhatsApp with a “WTF DOES THIS MEAN?!” at 4pm on a Tuesday. 😂

The ones who’ll tell you when something is a bloody terrible idea, rather than just what you want to hear.

The ones who’ll chase your solicitor, speak to the estate agent, deal with the underwriter and keep you updated without you having to chase us.

Because getting your mortgage approved is only PART of what we do.

We’re here for the panicked messages, the stupid questions (there aren’t any), the Rightmove addictions and the emotional rollercoaster that comes with buying a house.

Professional when it matters. Unfiltered when it doesn’t. 😂

We don’t want to be the biggest mortgage brokerage.

We want to be the one you’d recommend to your best mate.

And if that means becoming your mortgage broker, unofficial therapist and biggest hype girl along the way…

Well, that’s just part of the service. 💅🥂

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

Buying your first home is exciting… but also a whole lot of wait, what happens now?”And THIS is exactly why we do things...
14/10/2026

Buying your first home is exciting… but also a whole lot of wait, what happens now?”

And THIS is exactly why we do things the way we do.

We don’t just sort the mortgage and disappear. We explain every step, answer the questions you think are silly (they’re not 🤍), and support you right through the journey.

Because buying your first home is a big deal — and you shouldn’t feel like you’re figuring it all out on your own.

Reviews like this mean everything to us. 🥹🤎

If buying your first home is on your 2026/27 plans, come and have a chat with us.

No pressure, just a plan.

61 referrals rewarded this year… and counting 🤎Amazon. The butchers. Homesense. Smyths. IKEA-we’ve sent the lot You reco...
13/10/2026

61 referrals rewarded this year… and counting 🤎

Amazon. The butchers. Homesense. Smyths. IKEA-we’ve sent the lot

You recommend someone to us.

We look after them like we would you.

Once their mortgage offer is issued, you get a £100 voucher of your choice.

And THAT is why we love Refer a Friend.

Because there’s genuinely no bigger compliment than someone trusting us enough to send their friends and family our way.

You send the referral. We deliver the service. You get £100. 🤝

Know someone who needs mortgage help? Send them our way 🏡

T&Cs apply. £100 voucher payable following mortgage offer.

*your home maybe repossessed if you do not keep up repayments on your mortgage*

And after 14+ years in the mortgage industry, trust me, I would NOT be sitting around with my fingers crossed hoping rat...
13/10/2026

And after 14+ years in the mortgage industry, trust me, I would NOT be sitting around with my fingers crossed hoping rates drop.

If my fixed-rate mortgage was ending in the next 6 months,
Here’s my game plan…

1️⃣ FIRST THINGS FIRST. WHAT’S IT GOING TO COST ME?

Because as much as everyone loves talking about interest rates, I can’t pay my bills with a percentage.

I’d want to know what my new monthly payments could look like and what I can comfortably afford. Because THAT’S what actually matters.

2️⃣ I WOULDN’T ASSUME MY CURRENT LENDER IS THE BEST OPTION.

Loyalty is lovely. But when it comes to mortgages, it doesn’t always pay!

I’d be comparing my existing lender against the rest of the market. Why wouldn’t I want to know ALL my options?

3️⃣ I WOULDN’T JUST LOOK AT A 2 OR 5-YEAR FIXED.

I’d want to understand everything available to me.

Fixed rates, trackers, product fees, overpayments, flexibility… the LOT.

Because the lowest interest rate doesn’t automatically mean the most suitable deal.

4️⃣ I’D GET SOMETHING LINED UP EARLY.

Where suitable, I’d secure a deal in advance.

Not because I think rates are definitely going up.

But because I’d rather have a plan in place than be running around like a headless chicken a few weeks before my deal ends.

5️⃣ AND THIS IS THE BIT I REALLY WANT YOU TO READ… 👀

I WOULDN’T SECURE A RATE AND THEN FORGET ABOUT IT.

Absolutely bloody not.

I’d be keeping an eye on the market right up until my new deal starts.

Because if rates change and something more suitable becomes available that I can switch to, you can bet I’ll be looking at it.

AND THE ONE THING I DEFINITELY WOULDN’T DO?

Sit around waiting for mortgage rates to drop because someone on TikTok said they’re going to. 😂

Nobody has a crystal ball.

SO IF YOUR MORTGAGE DEAL ENDS BETWEEN NOW AND APRIL 2027…

Consider this your little nudge to get the ball rolling.

You don’t need to know what you want to do yet.

That’s what the appointment is for. 🫶

📲 Book your appointment at www.northtosouthfs.co.uk

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

First home = approximately 847 questions 😂🏡And we wouldn’t have it any other way. 🤍Another lovely review for Sarah, doin...
13/10/2026

First home = approximately 847 questions 😂🏡

And we wouldn’t have it any other way. 🤍

Another lovely review for Sarah, doing exactly what we want our clients to feel — supported, never a bother and guided through the whole thing.

First-time buyers, we’ve got you. 🥹🔑

SMALL BUSINESS OWNERS… THIS ONE’S FOR YOU. 🤎🥹We’ve just celebrated 5 years in business, and if there’s one thing we’ve l...
09/10/2026

SMALL BUSINESS OWNERS… THIS ONE’S FOR YOU. 🤎🥹

We’ve just celebrated 5 years in business, and if there’s one thing we’ve learnt, it’s that small businesses supporting small businesses REALLY does make a difference.

So we want to give a little something back.

TAG YOUR SMALL BUSINESS BELOW! 👇

Whether you’re a beauty girlie, baker, tradesperson, photographer, independent shop or anything in between…

We want to find you, follow you and try our absolute hardest to share as many of your businesses as we can with our community! 🫶

And if you don’t own a business, TAG ONE YOU LOVE!

Because we know what it’s like to start with a dream, work ridiculous hours, wear every hat and wonder if all the hard work will pay off.

AND IF YOU’RE SELF-EMPLOYED AND WANT TO BUY A HOUSE… THAT’S WHERE WE REALLY COME IN. 🏡

Because WE GET IT.

We’ve done it ourselves. And we still do it every single day.

We know what it’s like juggling business accounts, paying yourself, managing cash flow and trying to plan your own future while running a business.

And we know how frustrating it can be when someone looks at your income on paper and doesn’t understand how your business actually works.

That’s why we love helping self-employed people understand their mortgage options.

You spend your days building your business. Let us help you work towards buying your home. 🤎

And that’s what makes North to South a little different.

We’re a husband-and-wife team who built our brokerage around how WE would want to be treated.

No confusing jargon. No corporate nonsense. Just real people, proper advice and a team who genuinely give a s**t.

5 years later, with an incredible team and over 500 five-star reviews, we’re still those same two people who started with a dream. 🥹

And we’ll never forget those who supported us along the way.

SO LET’S FILL THESE COMMENTS WITH SMALL BUSINESSES! 👇

Tag yours, tell us what you do and let’s give each other some love.

Because your next customer might just be reading these comments. 👀

Lauren & Zach 🤎🥂

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

Address

Nottingham

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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