0160 339 8010
Based in Norwich
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: December, 2017
4.9 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Tom is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Tom's status
Last checked: 19 April 2025
Tom is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Tom's status
11
Recent Client Reviews
Tom has received 11 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Tom has received 11 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
Tom can advise across a wide range of mortgage products in the market. It is important to ask if Tom checks lenders’ direct-only deals.
Last checked: 08 December 2024
Tom can advise across a wide range of mortgage products in the market. It is important to ask if Tom checks lenders’ direct-only deals.
1
Qualifications Uploaded
Tom has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Tom has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Tom has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Tom has provided information on their typical fees
Tom has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
84
Positive First Impressions
96% of VouchedFor users have had a positive (4 or 5 star) first experience with Tom (based on 84 first impressions)
96% of users who are not yet clients had a positive first experience with Tom
96% of VouchedFor users have had a positive (4 or 5 star) first experience with Tom (based on 84 first impressions)
Checks carried out by VouchedFor
FCA status: Certified by Firm
Tom is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Tom's status
Last checked: 19 April 2025
Tom is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Tom's status
11
Recent Client Reviews
Tom has received 11 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Tom has received 11 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
Tom can advise across a wide range of mortgage products in the market. It is important to ask if Tom checks lenders’ direct-only deals.
Last checked: 08 December 2024
Tom can advise across a wide range of mortgage products in the market. It is important to ask if Tom checks lenders’ direct-only deals.
1
Qualifications Uploaded
Tom has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Tom has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Tom has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Tom has provided information on their typical fees
Tom has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
84
Positive First Impressions
96% of VouchedFor users have had a positive (4 or 5 star) first experience with Tom (based on 84 first impressions)
96% of users who are not yet clients had a positive first experience with Tom
96% of VouchedFor users have had a positive (4 or 5 star) first experience with Tom (based on 84 first impressions)
I am primarily based in Norwich and provide Mortgage and Protection advice. I carry out both face-to-face and telephone-based advice from a range of locations and provide cover for the rest of the team as and when required. I've worked in the financial services industry for almost 20 years starting with sub-prime lenders moving on to an advising role with NatWest & Royal Bank of Scotland, before switching to mortgage broking for Mortgage Advice Bureau in November 2015. I pride myself on providing friendly and easy to understand advice and assistance to a wide range of clients across Norfolk & Suffolk, and by telephone to clients in the rest of the UK. I take a common-sense approach with lenders and particularly enjoy negotiating with lenders and insurers to find a solution when an application doesn’t necessarily meet strict criteria. I enjoy European city breaks, most recently going to the Christmas markets in Germany last December. I have a 2 year old dog named Murphy who reluctantly takes me for a walk once a day, and spend a lot of my spare time running as I take on a marathon each year - the next one being Brighton in 2024. Book here: https://calendly.com/tom-margitson
Offers available through VouchedFor
Contact Tom through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Tom's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
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Adviser Disclaimer
Because we play by the book we want to tell you that… Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.