At Lakes Mortgages, we understand that everyone is different, and that's why our approach to mortgages is as individual as you are. We provide specialist, trusted and local advice when you need it most. Lakes Mortgages are 'whole of market' experts which means we can find you the most exclusive and best deals for your mortgage and of course, any protection needs. We work hard to combine traditional values with a contemporary, friendly approach.

Phil Bovis has 25 years experience and has been looking after clients since 1996, specialising in Cumbria, Lancashire and the Western Dales but in fact has clients all over the whole of the UK. With extensive experience in mortgages and protection, Phil and his team are committed to providing a level of service that we’d expect to receive ourselves. With an unrivalled knowledge of the local market, together with our professional yet friendly manner, we are extremely well placed to meet your mortgage needs.

Why Lakes Mortgages?

Our testimonials speak for themselves; we're a well-established business with 25 years’ worth of experience in securing mortgages. We're friendly and approachable with a strong focus on working for our clients, not the Lenders. We go that extra mile to secure the best mortgage for you, with a process that keeps you advised every step of the way.

Local People

Our team is made up of local people, who know the area well and have built up a good relationships with clients throughout Cumbria and beyond! We are proud to have clients who consistently return to us for advice - and who consistently recommend new ones.

Great Communication

Communication is so important! We keep in touch throughout the process and are always here to answer any questions you have. Mortgages aren't easy to understand so we are happy to help in any way we can.


Applying for a mortgage can be overwhelming so we promise to provide a trustworthy, confidential and helpful service. Our reputation has been built on these values and it’s something we’re so proud of - our return clients are a testimony to this!


We listen to you and your needs as we understand that everyone is different. We pride ourselves in exceeding your expectations of a mortgage broker and being able to find products tailored to you.  Our advice doesn't stop at mortgages, we can help every step of the way, in all areas of the transaction - any questions, just ask!


Yes we are! We're motivated and enthusiastic as it's great for us to see clients happy at what we can achieve for them, there's simply no better compliment. Arranging a mortgage can be a good experience…honestly!


We don't stick to a 9 to 5 schedule as we know so many of you can't - life doesn't always work that way.  Flexibility is as important to us as it is to you – we fit in around you and are more than happy to see you at times that suit you.  If it helps, we can see you at weekends to help make things that little bit easier.

What people say about us……

  • This is the second time using Lakes Mortgages and a brilliant service once again and communication was superb. Many thanks

    Martin & Linda of Kendal - September 2023

  • Fantastic service received from Lakes Mortgages with a big thanks to Phil & Nicola. Having used them on two separate occasions over the last 10 months, I found them to be excellent at communicating from start to finish, extremely professional and always on hand to answer any queries. Highly recommend!

    Paul & Karen of Stockton on Tees - August 2023

  • Absolutely first class service from start to finish. Great communication, would certainly recommend.

    Gemma of Crosthwaite - August 2023

  • We are first time buyers and struggled to get a mortgage but Lakes Mortgage helped in every possible way to get the best possible deal for ourselves. Superb service from start to finish. Always on hand to answer any questions day or night. Every staged was discussed and backed up via email. Finally we would highly recommend Lakes Mortgages to anyone!

    Paul & Karen of Stockton on Tees - August 2023

  • Thankyou for being so patient with me, you and Phil have always been great helping me understand everything as I’m not the best with it!

    Sam of Blackpool - July 2023

  • Can I just thank you and Phil for everything you have done in making the remortgage seem so effortless. We have used Lakes Mortgages on a few occasions now and have always had a great experience. Would highly recommend you to anyone thinking of using you.

    Patrick & Joanne of Caton - July 2023

  • An amazing experience with Lakes Mortgages, from start to finish all of the team has been very helpful. What we initially thought was going to be a very stressful process it has been made much easier thanks to the team. Being first time buyers we were unsure where to start and had a lot of questions, all of these were replied to super quickly and we have received great support and guidance throughout the process. Thank you all. Would highly recommend.

    Josh & Lauren of Maryport - June 2023

  • In case it didn’t I just wanted to say Thank You to yourself and Phil, for all the work involved with us being able to purchase our property, without you it wouldn’t of been possible.

    Paul and Janet of Cartmel - June 2023