We are proud to have built our business up in Watford and are always thrilled to share our local knowledge and wisdom which can be of real value to our customers purchasing property in Watford and surrounding areas.
We have working relationships with some great local estate agents who also know their stuff, meaning our customers tend to receive a smooth and well-informed journey from start to finish

3 steps to follow

Time to prepare!  Before you start looking at houses, you need to know what you can afford.

Speak to us

Speak to us
Establish your goals and calculate your budget
Secure an Agreement in Principle (AIP) with a lender.
Make sure you’re mortgage ready

Find your new home

Do your research, and once you've found your dream home, show them your AIP and make an offer they can't refuse.

Next, it's your mortgage application.

We'll talk you through your options and secure you the best deal that's suited to your needs. We'll take it from here, leave the leg work to us.

Get in touch for an initial, no obligation chat with an advisor about how we might be able to help


Buying a new home is exciting but can be equally daunting, especially if you’re a first-time buyer. 

A mortgage is more than just a loan – It is the key that unlocks the door to your new home. It’s a commitment that could shape your life for years to come which is why seeking expert mortgage advice is crucial. We’ll help you navigate this journey, ensuring you make informed decisions, find the best rates, and create a stable future for you and your loved ones.


You’ve worked so hard for your dream property, so why would you put it at risk?

Protection is the shield that safeguards your biggest asset, your home. It provides peace of mind, ensuring loved ones are financially protected if the unexpected happens.

Life is unpredictable so speak to one of our protection experts to make sure you’re covered.

Your credit score doesn’t need to be perfect to secure a mortgage (though it does help) Click the link below to check your credit file with Checkmyfile.com, and speak to us to check your mortgage options.

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.


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


Have any questions?

Ask us anything