Straight forward friendly Mortgage and Insurance advice. Solutions tailored to your needs!

Give us a call on 01242 771 771 and speak to an adviser today.

Our registered address is in Cheltenham although we service clients nationwide. 

Give us a call on 01242 771 771 and speak to an adviser today.


Made Easy

Our skilled and experienced Mortgage and Insurance Advisers are here to make life easier for you. We take the confusion out of finding the right mortgage and appropriate protection product for you and present the options clearly and simply, allowing you to make sense of the products available.

Whatever you are looking to do we can show you the best route forward and help you to achieve your goals.

We offer a full advice and recommendation service and all advice is confirmed in writing

Protection for you & your family

We understand how important it is for you to protect yourself, your family and your home. With our experience and expertise, we can tailor a package for you to suit your needs and ultimately your budget.

We can advise you which cover is suitable and explain the benefits and extra options available so you can be sure you arrange the right type of policy. If you would like to arrange a review of your protection needs please contact us using the contact us section below.

Mortgage Calculator

Use our handy Mortgage Payment Calculator to work out how much your monthly payments might be. You can select the required loan amount,  interest rate and the number of years for the loan. The results are shown in both Interest Only and Capital & Interest payments.

These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders. Make an appointment to receive mortgage advice suitable for your needs and circumstances.

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

Mortgage amount


Interest rate


Term in years


Monthly payments  

Interest only £

Repayment £

About Us

IMS – Insurance and Mortgage Services Ltd was formed in 2002 and prides itself on offering a better kind of service to people seeking advice on Mortgages and the associated Insurances.

Every company will always profess to offer an excellent service and be customer focused. At IMS, the fact that all of our business comes either via personal recommendations or from existing clients would hopefully indicate that we are fulfilling our client’s expectations. Our service is built on trust and honesty and in every case the client is treated in the same way as if one of the IMS staff were arranging the business for themselves.

We offer full advice and recommendation to all of our clients and any advice we offer is confirmed in writing to allow you to see in detail exactly what the product details are, what all the mortgage and insurance related costs will be and also why IMS are recommending the product to you before you commit yourself to completing any application.

We also believe that an important decision such as arranging a mortgage, insurance or protection policy should be discussed on a face-to-face basis where possible and not by phone or post. We feel that you should have the option to discuss different scenarios and view different products and cost implications with a professional Adviser at the interview stage and be able to ask any questions face to face to enable you to make an informed decision.

Get in Touch

Call us on 01242 771 771

Feel free to send us a message using our contact form below.

  • Colin Knowles

    The mortgage services offered by IMS are second to none. Terry has dealt with our new and remortgages for the past 20 years and each time he has given honest, trustworthy and excellent advice. He always acts with total integrity, communicates every step in the mortgage process and goes the extra mile to get the right mortgage. I can honestly say we would not have the home we do if it wasn’t for the help and guidance Terry and IMS have given us over the years and therefore have no hesitation in recommending them to anyone who needs a mortgage arranging. Thanks again Terry and look forward to the next remortgage!

  • Tabitha Waldron

    Spencer gave such great service during my most recent mortgage renewal. Really knows his stuff, friendly and professional. This is my second time using IMS and I wouldn’t ever go anywhere else. Would highly recommend

  • Charlotte Helme

    5/5 Service. Spencer was very helpful, knowledgeable and friendly throughout the whole process. I'm a first time buyer and had lots of questions, and Spencer was able to guide me through all the steps. I highly recommend. Thank you very much.

  • L Shakespear

    Terry is without a doubt a fantastic mortgage adviser. He is thorough, professional and highly knowledgeable, but also an absolute pleasure to deal with. We wouldn’t go to anyone else.

  • Alex Davis

    This was our first time buying a house and during the whole process Spencer has been extremely helpful and supportive, he has explained everything to us in terms we could understand while also being very flexible and planning meetings to times that suit us. Spencer has responded to any queries we may have had in a quick manner and he has helped us with every step of the process and we could not be happier with the service we have received from him. We would definitely recommend him to others going through the same process.

  • Gema Sierra

    I recently purchased my first house and had the pleasure of working with Terry from IMS (Insurance and Mortgage Services). I can confidently say that Terry's exceptional service exceeded my expectations. As a first-time homebuyer, I was overwhelmed and confused, but Terry's patience and expertise guided me through the process seamlessly. Terry was always available to answer my numerous questions and promptly responded to every email. His thorough explanations helped me understand the intricacies of insurance and mortgage matters. No matter how trivial my inquiries may have seemed, Terry treated each one with the utmost importance and ensured that I felt supported throughout the entire journey. Furthermore, Terry's advice proved invaluable. His extensive knowledge and attention to detail provided me with peace of mind, knowing that I was making informed decisions. He shared valuable insights and practical recommendations that saved me time, money, and unnecessary complications. Terry truly went above and beyond to make my life easier. Based on my exceptional experience, I wholeheartedly recommend Terry and IMS for anyone seeking insurance and mortgage services. Terry's professionalism, patience, and dedication to client satisfaction are unmatched. I am grateful for his support and will undoubtedly be utilizing his services again in the future. Thank you Terry

IMS - Insurance and Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number 300993

Registered Address Applegarth, The Reddings, Cheltenham, GL51 6RL

Registered in England & Wales No: 4496808

The guidance and advice contained within this website is subject to the regulatory regime and is therefore primarily targeted at consumers based in the UK

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

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