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Meet the Founder

A decade inside
the mortgage industry
taught me what was missing.

Over ten years advising clients on one of the biggest financial decisions of their lives — I saw first-hand what the LGBTQ+ community was dealing with, and decided to do something about it.

CeMAP Qualified FCA Authorised 10+ Years Experience
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Paul Garner, Founder of Pride Mortgages

Why I started Pride Mortgages

I spent over a decade working in mortgage advice — and for most of that time, I watched the LGBTQ+ community receive a consistently worse experience than everyone else.

I've seen advisers fumble same-sex joint applications, unsure how to present them to underwriters. I've seen trans clients treated as a compliance headache because their ID documents were mid-transition. I've seen self-employed gay men turned away by brokers who didn't understand their income — and didn't think it was worth the effort to learn.

These weren't edge cases. They were happening constantly, to real people, during one of the most stressful financial moments of their lives. And in every single instance, the right mortgage absolutely existed — the problem was the person in the middle.

"Everyone deserves a home — and an adviser who genuinely celebrates who they are, not just tolerates it."

So I built Pride Mortgages. Not as a niche product or a marketing exercise — as a genuine fix. Every adviser I work with is personally vetted, not just on their qualifications, but on their actual understanding of LGBTQ+ life. Because good intentions aren't enough. Knowledge and empathy are.

Qualified, regulated,
and actually experienced.

Before founding Pride Mortgages, I spent over a decade working across the mortgage industry — from high-street brokers to specialist lenders. That means the lender relationships, the product knowledge, and the understanding of edge cases that now sit at the heart of what we do for clients.

CeMAP Qualified

Certificate in Mortgage Advice and Practice — the industry-standard qualification for mortgage advisers in the UK.

FCA Authorised

Fully authorised and regulated by the Financial Conduct Authority. You're legally protected every step of the way.

10+ Years in Mortgage Advice

From first-time buyers to complex portfolio landlords — I've worked across every type of mortgage situation the market has to offer.

Whole of Market Access

I work with advisers who have access to every lender on the market — not just a preferred panel — so you always get the best deal available to you.

What working with
Pride Mortgages looks like

When you reach out to us, you're not entering a call centre queue or filling in a comparison website. You're connecting with a team that was specifically built around your community — and led by someone who has a personal stake in getting it right.

If you've been turned away before,
read this.

One of the most common things I hear from new clients is some version of: "I didn't think we'd qualify." Or: "Our last broker made it feel impossible." Or simply: "We didn't know where to start."

In the vast majority of cases, the mortgage was there all along. The issue was never the product — it was finding an adviser who knew which lenders to approach, and how to present the application properly. That's the entire job.

Whether you're buying your first home together, remortgaging after a name change, navigating a complex income situation, or simply trying to find someone who won't make the process feel awkward — that's exactly what we're here for. The first conversation is free, and it will cost you nothing to find out what's actually possible.

"Your home isn't just bricks and mortar. It's security, freedom, and the right to live exactly as you are. Let's get you there."

Find out what's
possible for you.

Free, no-obligation consultation. An adviser who genuinely understands your situation. A response within 24 hours.

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