01202 925365

Harbour Home Finance
Harbour Home Finance
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About Harbour Home Finance Ltd

Mortgage application and loan agreement with house-shaped keychain.

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

With over 30 years of experience in financial services, Harbour Home Finance is dedicated to helping clients make informed decisions with confidence - whether that's securing a mortgage, refinancing, or exploring specialist mortgages and later life lending options.

About Matthew Fleming-Duffy

CeMAP, CeRER, CeFA, FCMI

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, including specialist mortgages. 


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 various specialist borrowing requirements. 


Having previously worked with leading firms in the industry, including Knight Frank Finance and Abbey National, and having successfully built and sold his own advisory business, Matthew brings deep technical expertise and a highly personal approach to every client relationship at Harbour Home Finance Ltd. 


Matthew is a fully qualified mortgage and later life lending adviser, a Fellow of the Chartered Management Institute (FCMI), and an adviser approved by the Financial Conduct Authority. His FCA registration can be verified via the Financial Services Register using reference number MDF01055. Read Matthew's media coverage on Newspage. 


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

Matthew Fleming-Duffy in suit smiling outdoors.

Experience you can rely on

Over 30 years’ experience

Clear, straightforward advice

Clear, straightforward advice

Founded by Matthew Fleming-Duffy, Harbour Home Finance draws on over 30 years in financial services to provide mortgage and later life lending advice in Dorset and across the UK.

Clear, straightforward advice

Clear, straightforward advice

Clear, straightforward advice

Understand your borrowing options, costs and commitments with clear explanations of repayment mortgages, interest-only mortgages, retirement mortgages and equity release.

Personal, tailored approach

Personal, tailored approach

Personal, tailored approach

Your circumstances and future plans shape our advice. We take time to understand what matters to you, helping you balance your immediate borrowing needs with your longer-term goals.

Specialist expertise

Personal, tailored approach

Personal, tailored approach

From mortgages into retirement to borrowing with complex income, we help clients whose needs require a specialist approach. This includes expats, seafarers and yacht crew seeking suitable mortgage options.

About Mortgage Advice and Later Life Lending from Harbour Home Finance

 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 every stage of life, from your first home to retirement and more complex borrowi

At Harbour Home Finance, we help clients in Dorset and across the UK find mortgage and property finance options suited to their circumstances.

First-time buyers - Clear guidance on deposits, affordability and the mortgage process, helping you take your first step onto the property ladder.

Home movers and homeowners - Advice on mortgages, remortgages and borrowing for home improvements or other planned expenditure.

Clients approaching or in retirement - Help exploring mortgages into retirement, retirement interest-only (RIO) mortgages and lifetime mortgages, with a clear explanation of the costs and implications.

Families considering financial gifts - Guidance on using property wealth to support children or other family members, whilst considering your own future needs.

 Expats, seafarers and yacht crew - Specialist support with UK mortgages where overseas residency, foreign currency earnings or unusual working arrangements require a different approach.

Homeowners making energy improvements - Help exploring borrowing options and green mortgage products for eligible properties and energy-efficiency projects.

 Clients with complex income or circumstances -  Mortgage advice for the self-employed, company directors and those whose finances do not fit standard lending criteria.

Landlords and property investors — Buy-to-let mortgage advice for purchases, refinancing and portfolio growth.

Professional Standards & Memberships

Emblem declaring membership in the Equity Release Council.

As a member of the Equity Release Council, we commit to its standards of advice and consumer protection. These promote clear information, responsible advice and informed decisions when accessing wealth tied up in your home.

CONNECT for Intermediaries logo.

 

Harbour Home Finance Ltd is an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority. Connect provides compliance oversight, professional support and access to a wide range of mainstream and specialist mortgage lenders.

FIBA Member logo with purple gradient line.

Our membership of the Financial Intermediary & Broker Association (FIBA) supports our continued professional development and connections across the specialist finance sector. This helps us stay informed about lending developments and explore options for clients with more complex borrowing needs.

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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Oakley Hill, Poole, Oakley, Wimborne, Dorset BH21 1RJ, UK

01202 925365

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 KingdoM, 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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