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The Mortgage Oracle

Clear, straightforward, stress-free mortgage guidance
Get in touch

Making mortgages & protection simple, personal, and stress-free

how i can help you

Whether you’re taking your first step onto the property ladder, reviewing your remortgage options, or seeking to protect yourself and your family with life assurance, critical illness cover, or income protection, my aim is to make the entire process clear, straightforward, and stress-free.

I support you in financing your ideal home while offering expert guidance on protecting your investment for the long term.

  • First Time Buyers
  • Affordable Home Schemes
  • Moving House
  • Remortgaging
  • Buy To Let: Personal and LTD Company
  • New Build
  • Adverse Credit
  • Joint Borrower Sole Proprietor
  • Interest Only
  • Equity Release
  • Mortgage Capacity Reports
  • Life assurance
  • Critical Illness
  • Income Protection

I take great pride in providing personalised, professional advice that reflects your individual financial circumstances and long-term goals.

By taking the time to understand what truly matters to you, I ensure you’re equipped with the knowledge and confidence to make well-informed decisions at every stage of your mortgage or protection journey.

Let’s work together to secure the best mortgage & protection solution for your future.

Michelle1
Free & Impartial Advice!

about me

I have been in Financial Services since 2001 where I worked with the Woolwich building Society. I then trained as a mortgage broker in 2002, before moving to Financial Advice in 2010 and then adding Later life/Equity Release lending in 2014.

I am originally from South London however I now call the Kent Coast Home. I live with my partner, daughter and 2 labradors. We’re always on the go!

I’ve helped countless clients realise their dreams—especially those who thought homeownership was merely a fantasy. Together, we’ve shattered barriers and paved the way to their very own front door.

Testimonials

Don't just take my word for it - see what people say about me

Sarah J - Margate

Michelle is very knowledgeable and helpful. She was able to get me a mortgage even though my credit was poor. She was informative the whole way through the process and I would highly recommend her to anyone.

Andy C - Canterbury

Michelle was fantastic to work with. She guided me through the mortgage process with ease. She explained everything clearly and was always available to answer my questions. I would definitely recommend her to anyone needing a mortgage.

John K - Birchington

I had a great experience working with Michelle. She made a complicated mortgage process feel simple and straightforward. Despite my challenging credit situation, she found the right solution for me and kept me informed every step of the way.

See My Google Testimonials

Let's have a chat!

Make a general enquiry with Michelle

If you have any questions or are seeking advice, please don’t hesitate to get in touch.
We can connect by email, over the phone, or meet in person for a relaxed chat over coffee.

Your home may be repossessed if you do not keep up with your mortgage payments

We charge £150 to process a mortgage application, plus £350 once the mortgage offer has been confirmed.

The Mortgage Oracle Ltd is a trading style of Suitable Choices Limited, which is authorised and regulated by the Financial Conduct Authority, our FCA registration number is 911717. Suitable Choices Limited is registered at Companies House, our company number is 12016977, our registered office address is 95 Station Road, Birchington, Kent, CT7 9RE.