01206 564 776

36 North Hill, Colchester CO1 1QR


We understand that no one likes to think pessimistically about the future. Taking out a mortgage to buy a property is probably the biggest financial commitment you will ever make - and it may not be just a property, it may your family home. Shying away from thinking about, discussing and addressing 'the worst that could happen' should not be an option for anyone - no one ever wants to say 'if only' after a tragic event.

We will discuss your own personal views and needs in detail and then provide advice to create a bespoke solution that meets your needs. In our opinion, you should never buy 'off the shelf' mortgage or family protection - you need to get advice to ensure that it is the right product for you.

Our protection range:

Life insurance
Critical Illness Cover
Family Income Benefit
Income Protection

Even if your mortgage is not due for renewal, you can still review your protection needs at any time. Contact us now to arrange an appointment - if anything we may be able to save you some money!

Contact Us Now To Arrange Your Appointment


What Our Customers Say About Us

Alice L

I highly recommend Gemma for her expertise in the mortgage market. She navigated us through two simultaneous mortgages, whenever anything arose in the process she was always there to help, explain and reassure us. We can't thank you enough, very much doubt we would be in our beautiful new home without your expertise.

Miss R

Gemma is fantastic! Friendly, helpful and always goes that extra mile! There is not a thing she doesn't seem to know about the mortgage market! Whether you are a first time buyer or have had 100 mortgages she will give you the right advice and help you through your property buying or selling process! I would absolutely recommend her!

Miss C Playle

Gemma made us feel like we were in good hands, was easy to get hold of, flexible with meeting times and got us a great deal! We highly recommend her!


Get In Touch

01206 564 776

36 North Hill, Colchester CO1 1QR

Legal Info

Registered Office:
Gemstone Mortgages Limited
4a De Grey Square, De Grey Road, Colchester, Essex, CO4 5YQ.

Registered in England: 10045238

Gemstone Mortgages Limited is an appointed representative of Sesame Limited which is authorised and regulated by the Financial Conduct Authority.

Your property may be repossessed if you do not keep up repayments on your mortgage.
FCA does not regulate some forms of buy to let mortgages.

For mortgages we are paid a fee, usually £399 and by commission from the lender

Website designed & developed by Harry Simpson