Mortgage advice built around your life
From first-time buyers to property investors, we provide expert, personalised mortgage advice from initial consultation through to completion.
Big-firm experience. Boutique-level service.
With extensive experience across leading corporate and PLC mortgage environments, Bina and Tajal bring expert knowledge across everything from first-time buyers to complex, high-net-worth and property investment lending.
At Harmony House Mortgages, that expertise is combined with the personal attention and accessibility of a boutique mortgage firm.
Bina brings extensive experience from the corporate mortgage sector, combining specialist knowledge with a highly personal approach to advice.
She works with clients across the mortgage spectrum, from first-time buyers and home movers to experienced landlords, property investors and high-net-worth individuals with more complex borrowing requirements.
Her strength lies in understanding the bigger picture, navigating complex cases and finding the right lending solution while making the process feel straightforward from start to finish.
When she's not helping clients, Bina is a busy mum of three and knows just how important it is to have someone you can trust when making life's bigger decisions.
Tajal brings extensive experience from the corporate mortgage world, with a particular strength in navigating complex cases and finding solutions where the straightforward route isn't always the right one.
Her calm, considered approach and attention to detail give clients confidence throughout the process, whether they're remortgaging, self-employed, investing in property or have more specialist borrowing requirements.
Away from mortgages, Tajal is a busy mum of three and enjoys balancing family life with a career she genuinely loves.
Mortgage advice for every stage
From buying your first home or moving to your next, to remortgaging, building a property portfolio or planning your finances for later life, we provide experienced mortgage advice tailored to you.
Whatever your circumstances, we'll help you understand your options, navigate the complexities and make confident decisions, with Bina or Tajal alongside you from first conversation to completion.
Mortgage Advice
First-time buyers, movers, remortgages and homeowners looking for clear, tailored advice.
ExploreEquity Release & Later Life
Balanced advice on lifetime mortgages, RIO mortgages and later-life borrowing options.
ExploreFinancial Protection
Income protection, mortgage protection, critical illness cover and life insurance.
ExploreCommercial
Landlord, buy-to-let, property investor and commercial property finance advice.
ExploreMaking mortgages feel straightforward.
Genuinely personal
You'll deal directly with Bina or Tajal, receiving personal advice from vastly experienced partners who understand your circumstances.
Independent advice
We explore suitable lending options based on your needs, and explain clearly why we recommend them.
Clear from the start
Costs, timescales, documents and next steps, explained upfront so nothing feels like a surprise.
With you to completion
We stay involved from first conversation to legal completion, and are here again when it's time to review.
Your first home shouldn't feel this complicated
From understanding deposits and affordability to getting a mortgage in principle and finalising the offer, we walk with you through every stage. We'll explain the numbers, the paperwork and the timings in plain English.
First-time buyer advice
Review your mortgage without the last-minute panic
Whether your fixed rate is ending, you're raising capital for home improvements, or your situation has changed, we'll review your options and recommend the most suitable route, product transfer, remortgage or something else.
Remortgage advice
Grow a rental portfolio with confidence
Rental income calculations, personal versus limited company ownership, portfolio lending and refinancing, buy-to-let is more nuanced than it first appears. We help landlords in Leicester make well-informed borrowing decisions.
Buy-to-let advice
Balanced advice for later-life borrowing
Equity release, RIO mortgages and later-life residential lending each work differently. We help you weigh the benefits, costs and implications carefully, including the impact on your estate and any means-tested benefits.
Equity release & later life
Four calm, considered stages
A relaxed, transparent approach designed around your circumstances, whether you're at the very start of your journey or reviewing an existing mortgage.
- 01Initial conversation
A friendly, no-obligation call to understand what you'd like to achieve.
- 02Understanding your circumstances
We gather the essentials, income, deposit, credit, plans, without overwhelming you.
- 03Exploring suitable options
We compare lending options that genuinely fit your situation and explain our thinking.
- 04Supporting your application
We handle the paperwork, liaise with the lender, and keep you updated to completion.
Prefer to meet face to face?
While we advise clients across the UK by phone and video, being based in Leicester means we can also offer a more personal, face-to-face service closer to home.
Bina and Tajal can meet clients across Leicester and Leicestershire, including Oadby, Wigston, Hinckley, Loughborough, Market Harborough, Melton Mowbray and Coalville, giving you the choice of how you'd prefer to work with us.
Arrange a Face-to-Face MeetingWhat our clients say
Tajal provided exceptional mortgage advice and guidance for my new home. I highly recommend her services to anyone looking for a new mortgage.
Bina was very positive and definitely put my mind at rest, when she told me that she was sure that she would be able to help me find a deal that would suit me.
We can't thank Bina enough, she is knowledgeable, an intelligent person who is very confident and compassionate. She is an excellent communicator.
Tajal Mistry has been an excellent mortgage advisor. She is knowledgeable and is always happy to help, advise and clarify any misunderstandings I had.
Mortgage advisor Tajal Mistry is an amazing person, she helped me remortgage my house and now I'm debt free. Will definitely recommend her to my friends.
Excellent service from beginning to end. Bina Chauhan dealt with our case and was very efficient and polite. She offers an excellent service to her customers.
Arrange a conversation with an adviser
A relaxed, no-obligation conversation with Bina or Tajal to talk through your options.
Frequently Asked Questions
How much can I borrow for a mortgage?
Most lenders base your borrowing on income, outgoings, credit profile, deposit size and the property itself. Typical residential lending sits around four to four-and-a-half times annual income, though some lenders stretch further with the right profile. We will look properly at your full circumstances before giving you a realistic, personalised borrowing figure to plan around.
Can a mortgage adviser help first-time buyers?
Yes, and it is often where an experienced adviser adds the most value. We explain how deposits, credit files and affordability really work, help you get a mortgage in principle, then match your specific situation to lenders whose criteria genuinely fit. You gain a calm, informed guide through what can feel like a daunting first purchase.
When should I remortgage?
Most people start looking around six months before their current fixed or discounted rate ends, giving time to secure a new rate without paying an early repayment charge. You might also remortgage to raise capital, restructure existing borrowing or change the mortgage term. We will review your position and explain the most sensible next step for you.
Can landlords get mortgage advice?
Absolutely. We advise accidental landlords, portfolio landlords and limited company buy-to-let borrowers across Leicester. Lender criteria in this area change often and can be complex, so speaking with an adviser really helps. We will look carefully at rental income, deposit, ownership structure and long-term plans before recommending suitable options for your rental strategy.
What is the difference between equity release and a RIO mortgage?
Equity release, usually a lifetime mortgage, lets you release tax-free cash from your home with no compulsory monthly payments and interest that rolls up over time. A retirement interest-only (RIO) mortgage requires monthly interest payments and the capital is repaid later, usually on sale. Each suits very different circumstances, so proper regulated advice is essential.
Is the first conversation free?
Yes. Your first conversation with Bina or Tajal is a friendly, no-obligation discussion so that we can understand your goals and explain the options available to you. If you decide to proceed after that meeting, we will agree any fees with you clearly and in writing upfront, before any work is carried out.