Harbour Home Finance
Harbour Home Finance
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About Harbour Home Finance

Harbour Home Finance was founded to provide clear, straightforward mortgage advice tailored to individual circumstances.

 With over 30 years’ experience in financial services, we focus on helping clients make informed decisions with confidence - whether that’s securing a mortgage, refinancing, or exploring later life lending options. 

About Matthew Fleming-Duffy

 Matthew Fleming-Duffy is a highly experienced mortgage and financial services professional with over three decades of experience advising clients across a wide range of lending scenarios. 


Throughout his career, Matthew has built a reputation for providing clear, honest and practical advice - particularly in more complex areas such as later life lending, expat and seafarer mortgages, and specialist borrowing requirements.


Having previously worked with leading firms in the industry and successfully built and sold his own advisory business, Matthew brings both deep technical expertise and a highly personal approach to every client relationship. Matthew is also featured on the Connect Expert Broker Directory.


His focus is simple: to understand each client’s circumstances and provide straightforward, tailored advice to help them move forward with confidence.

Experience you can rely on

Over 30 years’ experience

Clear, straightforward advice

Clear, straightforward advice

 Supporting clients across a wide range of mortgage and lending needs. 

Clear, straightforward advice

Clear, straightforward advice

Clear, straightforward advice

 Practical guidance, explained in a way that’s easy to understand. 

Personal, tailored approach

Personal, tailored approach

Personal, tailored approach

 Advice built around your individual circumstances. 

Specialist expertise

Personal, tailored approach

Personal, tailored approach

 Later life lending, expats, seafarers and complex cases. 

How it works

 A clear, structured process from initial conversation through to completion.

We start with a relaxed, no-obligation conversation to understand your situation, your plans and what you’re looking to achieve. 

We carry out a detailed review of your circumstances, including income, outgoings, assets and future plans, to ensure any advice is tailored appropriately. 

Based on your circumstances, we research and discuss the most suitable options available to you, explaining everything clearly so you can make an informed decision. 

Once you’re comfortable with the approach, we provide a personalised mortgage illustration outlining the key terms, costs and monthly payments. 

We guide you through the documents required for your application, ensuring everything is in place to avoid delays during the process. 

 We submit your application to the chosen lender, which will typically include credit checks and detailed underwriting.  

We manage communication with the lender throughout, responding to any queries and keeping the application progressing smoothly.   

Once the offer is issued, we review it with you to ensure everything is in line with expectations.  

Your solicitor will handle the legal work, and we remain involved to support you through to completion.  

 We stay on hand throughout the process and remain available for any questions or future advice as your circumstances evolve.   

Who we help

Mortgage advice for later life lending, remortgages, expats and more complex cases.

  •  Older borrowers exploring later life lending, including retirement mortgages and equity release 

  •  Home movers and homeowners looking to remortgage or refinance 

  •  Clients considering retirement interest-only (RIO) mortgages or lifetime mortgages 

  •  Families looking to support children or make financial gifts using property wealth 

  •  Expats and seafarers seeking UK mortgage solutions 

  •  Homeowners improving energy efficiency or exploring green finance options  

  •  Property investors and landlords seeking buy-to-let mortgages for rental or portfolio growth  

  •   First-time buyers taking their first step onto the property ladder 

Start a conversation

Clear advice, tailored to you - no pressure, no obligation.

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Tel +44 (0)1202 925365

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Harbour Home Finance Ltd an Appointed Representative of Connect IFA Limited which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1053423. The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be £1,495 or 1% of the loan amount. Harbour Home Finance is registered in England & Wales under number 17008189. Registered address Brooke house, oakley Hill, Poole, United Kingdon, BH21 1RJ. Not all services we offer are covered by the FCA. Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. © 2026 Harbour Home Finance. All rights reserved.

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