local knowledge
real experience
advice you can trust
Hi, I’m Fran from The Mortgage Equation. I’m here to help make your mortgage journey feel simple and stress-free.
I’ve been supporting clients since 2017, starting out in financial planning before specialising in mortgages, insurance and referrals to specialists in equity release — areas where I found I could make the biggest difference. Whether you’re buying your first home, reviewing your current deal, or looking to release equity later in life, I’m here to guide you clearly through every step.
I grew up in Cirencester and Cheltenham, so I know Gloucestershire and the surrounding counties inside out. But I also work with clients across the UK — from Edinburgh and Cardiff to Somerset and London — so wherever you’re based, I can help you find the right solution.
Away from my desk, life is wonderfully busy. I recently married Karl, and between our three-year-old, two energetic stepchildren and three cats, plus a house renovation that seems never-ending, there’s never a dull moment!
How we work
- 1
Initial Catch Up
This is where we can grab a coffee (or your drink of choice), jump on a call and chat through the numbers. We will normally chat for 30-45 minutes and in this time discuss your plans, needs and generally get to know you! We will then walk through income and expenditure and give you an opportunity to ask any questions.
- 2
Setting You Up
This is where you will be provided access to your own personalised vault (our portal), this is where you can share any further information required and upload any requested documentation. We will also save your documents here so that everything is all in one place.
- 3
Providing the Options
This will depend on your plans and your timescales. We will provide a decision in principle, if necessary at that point, if not it could be providing you with your figures/affordability to allow you to make a plan. If you are purchasing a property, it will depend on how long it takes to find the dream home. Remortgages, you are likely to be working towards your current rates end date. Or we could be discussing the insurance options available to you. All different situations and this is where we walk you through thoroughly and relevantly to your plans!
- 4
When the Time is Right
Once you are happy with our advice, we can proceed to making an application to the relevant lender or provider. We will then advise you of the appropriate timeframes and what you can expect next.
- 5
Start to Finish
We will then keep you updated with progress from start to finish, we happily field queries and assist your Accountants, Solicitors, Estate Agents and any other professionals you are working with. As part of our service we will also ensure that we have discussed adequate qprotection.
why choose us?
Clear explanations
No jargon, no confusion — just straight answers.
Less Stress
We simplify everything so you always know what’s next.
Complex situations handled
Remortgages, expat cases, shared ownership, unusual income — it all adds up.
peace of mind
From first chat to final offer, we’re with you all the way.
get in touch
We offer flexible virtual appointments — whether that’s over lunch, in the evening or whenever you can find a quiet moment.
