We’re a proud, Watford-based business, with mortgage experience across Watford, Harrow, Stevenage, Hatfield, St Albans, Harpenden, Bushey, Rickmansworth and Chorleywood. We’re always happy to share local knowledge, which can be particularly valuable if you’re looking to buy property in Watford and the surrounding areas.

 

We have great working relationships with some local estate agents, too, which means we can deliver a smooth journey from here to completion. 

 

Talk to us if you live nearby, but also talk to us if you don’t – we can help nationwide. And we’re always open to answering questions. 

How does it work?

Wherever you are in the process, we’ll meet you there.

1. Agreement in Principle (AIP)

This is a conditional mortgage offer from a lender; it says that based on what they’ve seen, you’re likely to be accepted for a mortgage. We can help you secure one, so that you know exactly what you can afford, and an estate agent or seller can see that you’re serious.

2. The house hunt

Once you’ve found your dream home, you’ll be able to show the estate agent your AIP and make the seller an offer they can’t refuse. If you’re already here, give us a call and let’s get things moving along.

3. The mortgage application

We’ll talk you through your options and make sure we secure the best mortgage for your circumstances. We’ll take it from here, but we’ll keep you informed every step of the way.

Get in touch for an initial, no obligation chat with a mortgage advisor, any time.

Mortgages – what can we do?

Buying a new home is as daunting as it is exciting, especially if you’re a first-time buyer. So, let’s start from the beginning. A mortgage is more than just a loan – it’s the key that unlocks the door to your new home. It’s a commitment that could shape your life for years to come. That’s why getting expert mortgage advice is crucial. We’ll help you find the best rates, make informed choices, and create stability for you and your loved ones.

Life insurance and other protection

This is another important part of what we do. Protection is the shield that safeguards your home. Life insurance, critical illness cover and other forms of protection provide peace of mind, making sure loved ones will be financially protected if anything happens to you. Life is unpredictable and, while this is difficult to think about, we’re here to talk through the options and help you get it right. 

Do you know your credit score?

If not, click the link below to check your credit file with Checkmyfile.com. They offer a 30-day free trial, after which a £14.99 monthly fee applies, but the subscription can be cancelled at any time.

 

And remember: your credit score doesn’t need to be perfect to secure a mortgage.

Check your credit report

Sign up to their free 30-day trial after which a £14.99 fee applies, the subscription can be cancelled at any time. 

Please be aware that by clicking onto the above link you are leaving the Pagoda Mortgage Services website. Please note that neither Pagoda Mortgage Services nor PRIMIS are responsible for the accuracy of the information contained within the linked site accessible from this page.

What our clients say:

David is an extremely professional, helpful and attentive mortgage broker. We had the pleasant experience of using his services to purchase our first property and the experience was very smooth process (unlike the experience we had using some of the estate agent brokers).

Rakesh C

July 2023

David Goodman has been an absolute gem in the midst of what has been an extremely turbulent time for the housing market.

Declan Z

May 2023

Excellent customer service all round, David understood our situation clearly and found a mortgage that met our needs in a timely manner. Clear communication throughout the whole process, David was very responsive, would highly recommend. Will use again, for sure.“

Lorraine D

June 2023

David at Pagoda has been truly outstanding.. and i cant thank him enough he ensured that the product, services, rates and lender were suitable for our needs. He always keeps us fully updated and ensured we understood the process and guided us through everything in great detail. We have used David before and will be using his services again. I would highly recommend his service.

Phe W

May 2023

David is excellent at what he does, he is clear and concise with the information he gives and most definitely goes the extra mile for his clients.

Karan

July 2023

I have used big companies in the past and felt like I could never get the advisor on the phone or get an update for days at a time. David looked after everything in a timely manner from the first call, all the way to when we got the keys.

Tom D

April 2023

David couldn't do enough for us for our first ever mortgage. He left no stone unturned and went through our many different options

Iain W

February 2023

Highly recommended! Incredible professional service with that personal touch! Everything we needed was completely dealt with fast and accordingly and helped us secure our first ever home! Couldn’t recommend Dave more highly!”

Joe B

April 2023

With the uncertainty of the mortgage market at the moment. You need someone like David to find you the best deal.

Tom P

September 2022

I can't recommend David enough for his mortgage services. He was able to demystify the entire mortgage process from start to finish and be at hand to answer any questions I had. Always responds in a timely manner and provides unbiased and honest advice throughout.

Chi S

August 2022

David is superb at what he does. Nothing is too much trouble. Very knowledgeable and gave guidance on every step Always friendly, pleasant and a pleasure to speak with. I wouldn't hesitate to recommend David and Pagoda Mortgage Services

Sarah H

June 2023

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Still got questions?

Feel free to ask us anything about the process, any time.