01206 564 776

36 North Hill, Colchester CO1 1QR

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!

Nicola G

Gemma is brilliant and has arranged all our mortgages. She is friendly and knowledgeable without being scary. Great services and great results.

Natalie M

Gemma is amazing! She couldn't do enough for us on our house mortgage!! She kept us updated with everystep! I would recommend her by far!!

Sarah B

When it was time to re-mortgage there was only one call I was making and that was to Gemstone Mortgages.

Gemma made the very stressful and confusing re-mortgage process straightforward and easy for me.

I trusted them to get me the best rates possible so that I can get my finances to work for me.

Always available to answer my questions no matter how basic they were it was great to have the reassurance that all was progressing as it should be.

Thank you Gemma and Emma for the professional and personal service you gave me.

I'll be back in 5 years!

Wilson A

I used Forces Help to Buy and didn't have a clue what I was doing. LUCKILY I came to Gemstone and Gemma pretty much held my hand and the whole way. It couldn't have been easier. I'm now going employ Gemma as a mother cus she tells me exactly what to do and when I'm im doing it! Thanks team!!!

Kim M

Could not recommend Gemstone enough

They made buying my first property so easy and stress free. No question I had was a stupid question and they explained everything in terms I could understand. Fantastic service and they were always on tap whenever I needed them. Thank you so much Gemma and Emma, you're the best

Alex P

Gemma and Emma were so helpful, guiding me along the way to securing my first mortgage! Breaking down all of the confusing jargon and making the whole process completely stress free! They managed to secure me an amazing deal, regularly updating me on progress, as well as speedily responding to any emails and questions I had.

I cannot recommend Gemstone enough! Competitive broker price with a brilliant knowledge and customer service to boot! Couldn't ask for a better lifetime broker! Thanks again to both of you!

Katie T

What Gemma doesn't know about mortgages isn't worth knowing. She knows how to get you the best deals and will answer all of your ridiculous questions - of which there were plenty in our case! She's assuring, hard working, friendly and dedicated. Gemma has completed two sales and two remortgages for us and I'm confident that I never need to worry. She's always going to secure me the best deal.

Anna K L

These girls.....

3 weeks ago we moved into our lovely 2nd home. I have finally had a chance to write down how much Emma and Gemma at gemstone mortgages helped us!!

Although there were hurdles in the way of us getting our mortgage, these beautiful ladies managed to overcome them all. I'm sure it wasn't easy for them as both myself and my husband are self employed, and I only had one years books, and the year before I was on maternity leave, and to top it off we had a detrimental mark on our credit file. With all of those things to overcome they still managed to find a lender, at a better rate, and release equity. So now we are living in our lovely 4 bedroom detached house that we didn't think we would be able to have this soon. These two have absolutely changed my little family's life. So all I can say is THANKYOU

Sarah R

Having lived abroad for 10 years and both my partner and I being self employed we were struggling with finding a lender. We were recommended to speak to Gemstone, we booked an appointment and Emma was fantastic and made it all very simple. We viewed our dream home the next day, made an offer and had our AIP in no time. We moved in 2 weeks ago and couldn't be happier! I cannot recommend Gemstone enough- Gemma and Emma, thank you so so much! X

Sarah-Jane T

Gemma the BEST MORTGAGE ADVISER EVER! Thank you for helping me get my mortgage offer, and even find a place. You went out of your way to help me in every way with everything and even when I thought I had silly questions you reassured me they were not. My offer was super quick and the whole process was seamless! I would 100% recommend you to others. And have done. Thank you Gemma for getting me on the ladder! Xx

Helen B

Gemstone Mortgages are absolutely fantastic. We have just purchased our dream family home and could not have done so without the help from Gemstone. I would highly recommend their services.

Nicola G

Gemma you made my life so simple, thank you for your quick, efficient no fuss service!! You got us a fantastic deal. I can't recommend you highly enough. Thank you from both me and Paul xx

Rachel K

Never thought I would enjoy having a mortgage apnt as much as I did!! Gemma was great and am now all sorted with much more knowledge than I went in there with. Thank you (and Emma). I would highly recommend

Phoebe S

Gemma and Emma were both so friendly and helpful. They made the whole process of buying our first home as stress free as possible. Would highly recommend.

Josie B

My beautiful Gemma Cuff & her team sorted our mortgage & it was the most stress free process. I didn't have to chase her at all for updates, everything was explains so we both understood all aspects and whatever time of the day it was she would be there to answer our questions. She really did make moving such a lovely experience and we can't thank her enough 💖

Michael D

Couldn't recommend gemstone enough. So helpful and so quick too. They have taken all the stress out of buying a first home and I couldn't thank them enough !

Antony D

Gemstone are great. Saved me some money on my monthly payments. Will not be using anyone else from now on.

Rachel E

Used Gemstone 2 years ago when I first got on the property ladder and Gemma fought tooth and nail to secure me a mortgage on my first home. Used her again this year to make a move up the ladder from flat to house and, again, she's been the easiest part of purchasing a house. Gemma and her team worked so quickly and efficiently to ensure we had our mortgage offer in place before our little one arrived. Thank you, we'll be using you again in future!

Jo B

Highly recommend gemstone ... excellent result for us today Gemma got us another 5 years fixed on our mortgage and saved us some money too ...we are both very happy and wouldn't go to anyone else thankyou Gemma keep up your outstanding great work !

Nigel Noy

I have already recommend Gemma to a friend. She has been brilliant with my remortgage application. Due to my situation it hasn't been a straightforward process but Gemma and Emma have navigated all this and kept me informed at all stages. Couldn't be happier with the service. Will wholehearted recommend Gemstone again.

Carli F

Knowledgable/ Helpful and amazing at her job. I recommend Gemma to anyone who is thinking of buying a property

Kerri N

Gemma was initially recommended to me by a friend who had recently bought a house. As a first time buyer I was a bit daunted by the process but Gemma made the whole thing feel so simple. She got me a great mortgage very quickly and within 4 months of seeing her I was in my new house!

She was also incredibly tolerant of me visiting with my two young daughters!

I would 100% recommend Gemma and her team.

Alex W

Buying a house can be a stressful time but Gemma made it painless and because of her help I managed to finally get on the property ladder.

Laura F

No words of thanks will ever be enough! Gemma the service you offer is simply amazing, you take all the pain and stress away and even when there is a drama at the last moments (!!) you are there to once again take control and get things done! Can't recommend you both enough .. and I absolutely will be to friends and family! Thank you again for all your help and advice, truly exceptional :) xx

Spencer G

I would only ever use Gemma for a mortgage. She has done a couple of mortgages for me - she always finds the best and most suitable product and always goes out of her way to be as helpful as possible and make sure I am happy. She has now also helped my family with mortgages where she has been patient with difficult situations and given fantastic advice to help them.

It's been a pleasure getting to know Gemma and I look forward to working with her on my next purchase.

Adam S

Our second mortgage taken out through Gemma who has once again gone above and beyond to get us the best deal and give us sound advice throughout. She knows the industry inside out and nothing's ever too much trouble. Very proffessional and highly recommended. Thanks Gem!

Lynn B

As a professional landlord always looking for more buy to let properties I need a financial advisor who has a sense of urgency, understands my requirements and can get fast results. I get all this and more from Gemma. Don't waste time with other advisors go straight to Gemma. You will not be disappointed.

Lucy R PT

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!

Contact Us Now To Arrange Your Appointment


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