About us
At Lumino Mortgages, everything we do is focused on one goal: helping you move forward with confidence. Whether you’re buying your first home, remortgaging, upsizing, or expanding your property portfolio, our expert guidance makes the mortgage process clearer, simpler, and genuinely supportive.
Founded by Alex Stoyles, a seasoned mortgage and property finance professional, Lumino Mortgages was created to provide a more human approach to mortgage advice. Having helped countless clients navigate the often-complex mortgage landscape, Alex recognised the need for a service built on clarity, trust, and personalised solutions.
We take the time to understand your plans, your concerns, and your long-term goals. This allows us to deliver tailored mortgage advice that fits your life - not just your paperwork.
Whether you’re a first-time buyer eager to get your keys, a home mover planning your next chapter, or an experienced property investor seeking strategic portfolio guidance, Lumino Mortgages is here to support you every step of the way with honest, expert mortgage advice.
Mortgage tools, all in one place
Get a Mortgage in Principle to see how much a mortgage lender could lend to you, and use our helpful range of mortgage calculators to help understand how much you can afford.
Calculate your monthly mortgage repayments with our repayment tool.
Your repayments vary depending on the term and interest rate of your mortgage. Speak to an adviser to the get the right mortgage deal.
Important information
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 £495.
Why Choose Lumino?
✔ Built on Trust:
Founded by Alex Stoyles, Lumino Mortgages delivers honest, client-first advice you can rely on.
✔ Solutions Tailored to You:
Every client is unique, and so are the mortgage solutions we create - We navigate the market for you, delivering solutions that match your unique financial situation.
✔ Clear, Transparent and Reliable:
We simplify the process, cut through the jargon, and keep you informed every step of the way - so you can move forward with confidence.
✔ Impartial Advice
Completely impartial advice, backed by expert market knowledge and personalised solutions.