About Us

PHLS Mortgage Services was established by Clive Parish in 2002. With over 40 years of experience in the mortgage and property market, Clive brought a wealth of knowledge and expertise to the business. Today, Clive is joined by his son Andy, ensuring that the tradition of exceptional service and personalized advice continues with the next generation.

We are your trusted family-run mortgage brokerage serving the Southeast, including Maidstone, and clients across the UK. We pride ourselves on offering a full advice and recommendation service on various types of mortgages, as well as essential protection products such as life and critical illness cover. Our goal is to demystify the mortgage process, making it more friendly, down-to-earth, and personal.

We can meet you at a place of your choosing such as your home or place of work to make things more convenient for you as well as video calls if that’s your preference.

We offer a comprehensive range of mortgage services designed to cater to diverse needs:

Why Choose Us?

Choosing PHLS means choosing a partner who genuinely cares about your financial well-being and future. We take pride in building lasting relationships with our clients, offering continued support and advice even after the mortgage process is complete. Being independent allows us to provide unbiased advice from lenders across the whole of the UK mortgage market and our size enables us to offer a level of personalized service that larger firms cannot match.

Areas we serve


Areas We Serve

Based in Maidstone, we primarily serve the Southeast but extend our services across the UK. No matter where you are located, we are here to assist you with your mortgage and protection product needs.


Fees and Notice


Our Fees

We understand that every client’s situation is unique, and so are our fees. Our fees vary depending on the complexity of your needs and the specific services we provide. During our initial consultation, we will provide a clear and transparent breakdown of any costs involved, ensuring there are no surprises along the way.

Regulatory Notice

We are fully authorized and regulated by the Financial Conduct Authority (FCA). This means you can trust that our services adhere to the highest standards of professionalism and ethical conduct. Your financial well-being is our top priority, and our FCA authorization underscores our commitment to providing you with reliable and secure mortgage advice.


Get in touch!

Get In Touch

Ready to take the next step? Contact us today to schedule a consultation and discover how we can help you with your mortgage or protection needs.

We look forward to hearing from you!