3cms.com

What It Is

3 Counties Mortgage Services Limited is an independent mortgage brokerage based in Leicestershire, UK, primarily providing mortgage and protection advice to UK consumers. Its services cover first-time buying, moving home, remortgaging, buy-to-let mortgages, and related family protection advice. The website repeatedly emphasizes “no jargon, no pressure, clear guidance,” positioning the firm more as a traditional personalized mortgage adviser than a payment gateway, acquiring institution, or online lending platform.

Core Capabilities

Based on its service scope, the firm can help clients compare lenders, handle paperwork, assess deposits, affordability, rental income, and lender criteria, and support customers from the initial consultation through the mortgage process. The website also provides a mortgage calculator and mentions a secure mortgage portal where clients can upload documents and view real-time updates. Adviser Steve Ellis has worked in the mortgage sector since 1989 and founded the business in 2003. He holds the Financial Planning Certificate, Full CeMAP, and ER1 qualifications. However, equity release business is not handled directly and is instead referred to trusted specialist advisers.

Pricing and Compliance

Pricing disclosure is relatively limited. The website clearly offers a free, no-obligation initial phone call, but also notes that mortgage advice may involve a fee, with the amount depending on the customer’s circumstances. No fixed fee or percentage is provided. In terms of compliance, 3 Counties Mortgage Services Limited is an appointed representative of The Right Mortgage Limited, which is authorized and regulated by the UK FCA. The company is registered in England and Wales under registration number 04634675. The website also states that its content is intended for UK consumers.

Pros and Cons

Its strengths include independent broker status, UK-wide coverage, long industry experience, user-friendly process explanations, and support for common scenarios such as first-time buying, remortgaging, and buy-to-let mortgages. Its weaknesses are the lack of detail on fee standards, partner lender lists, product rate ranges, and approval timelines. It is also not a payment or collection infrastructure provider, and does not offer payment methods, settlement cycles, or API integration capabilities.

Who It’s For and Access from China

It is suitable for individual clients buying a home, moving home, remortgaging, or operating buy-to-let property in the UK, especially those who want one-on-one explanations and help with documentation. For Chinese users, if they are not UK-based consumers or do not need UK property financing, its relevance is limited. The review text does not provide information on website accessibility from mainland China, so its status is unknown.