Get in touch
We will be closed for the Christmas period from 5.00pm on Monday 23rd December and we will reopen at 9.00am on Thursday the 2nd January. Any phone calls, web enquiries or emails will be answered upon our return.
IMA Mortgages & Protection
Expert mortgage advice without the fees*
Established in Hemel Hempstead for over 20 years IMA Mortgages & Protection, previously known as Independent Mortgage Associates, are passionate about securing the most suitable mortgage for our clients, whilst also ensuring that they can stay in the property no matter what life puts in their way.
Our Hertfordshire based mortgage brokers have access to a comprehensive range of options, to help you find the most suitable product depending on your individual needs and circumstances. We will show you the latest rates, explain all the options and handle the application to the lender or provider on your behalf.
Our office is based in the Old Town, Hemel Hempstead, where you can meet with one of our expert advisers, drop in your documents or pop by if you need help completing forms. We also offer appointments via telephone or video call and can arrange mortgages anywhere in the country.
Our Services
Mortgages
A mortgage is a loan secured against a property. Mortgage loans are used to buy a home or to borrow money against the value of a home you already own. It gives the lender the right to take your property if you fail to repay the money you've borrowed plus interest.
We have access to a wide range of lenders across the market to ensure you benefit from the best rates designed to your needs.
Insurance
A sudden loss of income can be devastating to your quality of life. Death, injury, or illness can cause irreparable financial damage. Insurance will protect your home and quality of life while your family recovers.
Choosing the right policies is important. This will depend on your circumstances and needs. We can help you do this free of charge, and we will arrange them for you.
Equity Release
Equity release mortgages lets homeowners aged 55 and over release tax-free cash from the value of their home. The amount you can release is based on your age and how much your home is worth. Depending on the equity release product you choose, you can claim your money as one big lump sum or as a series of smaller lump sums.
I cannot recommend Liane and her team highly enough. We have been working with Liane and team since 2017. They have been amazing to deal with and have managed our mortgage and provided guidance & support through all the market cycles and all the challenges.
Third time I have used them and another brilliant service. Thanks IMA team
Working with Independent Mortgage Associates Ltd., specifically with Naomi, was like finding a new friend who just happen to be brilliant at mortgage advice! Naomi's knowledge combined with the warmth and personal touch made us feel comfortable and reassured. I must also mention Hermione's friendly and approachable manner was an absolute joy. They both guided us through the process not once but twice - in 2020 and 2022, and now once more each time providing an impeccable service. Independent Mortgage Associates, with Naomi and Hermione, truly turn the daunting into the doable with a friendly smile. Highly recommended!
Response from the owner: Thank you so much for your positive feedback. We are so pleased to have helped!
We have been working with Nay and Hermione from IMA since we were looking to purchase our first house in 2019. Since then, we have continued with their services because of their excellent communication, knowledge, advice and support. Nay and Hermione take the time to explain things clearly, ensuring we have a full understanding, and they support us in making the best decision for our needs. As well as this they are such a friendly team and we can’t imagine working with anyone else for our mortgage and life insurance needs. Thank you so much!
Response from the owner: Thank you Jessica for your feedback!
Liane worked with us to get our mortgage. She went above and beyond, very prompt at sending and responding to emails and phone calls, always kind and friendly. We will keep using this company when we have to remortgage. Highly recommend.
Response from the owner: Thanks Michelle, we are so glad we were able to help you purchase your first home.
Naomi and Hermione were absolutely top class. Literally wouldn't have been able to get though the purchase without them. Thanks guys!
As a first time buyer, the prospect of buying a home is extremely daunting. Naomi and Hermione took on our case and from day 1 were helpful and understanding. No question was too stupid. They supported us through a sale that fell through, which was massively appreciated, And eventually, we bought our first home! It simply wouldn't have been possible without them. IMA came highly recommended and we're so pleased we used them. Professional throughout and always only a call or email away. Absolutely fantastic!
Second time using IMA now and I would hugely recommend using. Louis Miller is extremely helpful, knowledgeable and professional as the main advisor we’ve used.Their communication and response times as a firm is 10/10.Further assistance with insurance covers etc are followed up and secured brilliantly. Shout out to Claire, Nikki and Kelly!Will be back in the future!
Absolutely wonderful experience, we worked with Nikki and Nicola and we simply can’t recommend them enough. From start to finish incredibly responsive and very professional with a personal touch of having a broker deal with all the paperwork on your behalf. 10/10 on all accounts.
As first time buyers, my partner and I had no clue where to begin. I contacted these guys and they were extremely professional and helpful from start to finish. We were guided through the daunting home buying process with minimal stress or worries and found the best mortgage deal for our circumstances. I couldn't fault this firm in any way. A special mention to Naomi and Nicola, we couldn't have done it without you. Thank you so much 😁.
I'd like to say a big thanks to Independent Morgates Associates. They made the whole process of obtaining the right mortgage and also relevant insurances for the house purchase a stress free experience. Very competent professionals who are very friendly and are making sure you are fully aware of everything throughout the process and to get the best possible deal on the market. I will be leveraging their services in the future if I would be buying another propert and can highly recommend them.
Independent mortgage associates were so helpful in helping myself and my partner start to buy our first home. We really appreciated Naomi's help and support throughout the process of getting a mortgage in principle and then getting our mortgage approved. As first time buyers having someone who was patient and understanding was really useful! Nicola has also been super at keeping in contact and making sure everything is going smoothly in the next steps of our house purchase which we really appreciate. We really recommend them & I have already suggested to one of my friends that she uses you when she purchases her first home too! Thank you Naomi & Nicola!
IMA are highly recommended! We've used IMA on multiple occasions over the years for mortgages / remortgages and always recieved a professional service from start to finish. Liane and Claire offer timely and clear mortage advice, saving us a lot of time and stress when choosing between/processing mortgage products. We'll certainly use them again! Many thanks, Josh & Tania.
We couldn’t recommended IMA enough they have been fantastic from start to finish and will always answer your calls or emails. The staff are absolutely amazing always thoughtful and polite and want to give you the best of everything. Thank you all so very much 🙂
Great service offered by these guys. Louis and his team are faultless from start to finish of the process and make everything so much easier
Great customer service provided by Nicola Martin for Insurance covers and Naomi Hardy for my mortgage. They were informative, helpful and stayed in touch throughout the entire process. Highly recommend.
We have used IMA on more than one occasion to help with our mortgage and each time we are well looked after and more than happy with the level of service we receive. In particular we would highly recommend Ian and already do as he is so thorough and provides a great service.
The customer service provided by Louis and Claire was truly fantastic. Claire went above and beyond to help us with our remortgage and would highly recommend them. Everyone you speak to is so positive and helpful there!
We have been using Liane at the Hemel Hempstead IMA 2009. In that time she has seen us through mortgages, remortgaged, buy to let and equity release.In absolutely every case she has been kind, professional and above all, made it absolutely clear that her philosophy is that the best way to do business is to put the customer first.She will never push anything which is not right for the circumstances or a good deal and has sent us away without a ‘sale’ when she could not better the deal we were already on.As a result we have been back time and again and will always make her our first port of call for any advice.I cannot make a higher recommendation that to say we trust her completely and would have total confidence in her advice.In the confusing world of mortgage finance IMA and Liane are that rare thing - someone you can trust.
Just completed a re-mortgage with James and Louises help. So quick to complete, excellent customer service. James is extremely knowledgable on the products and Louise is fantastic at keeping you up dated all the way through to completion. This is the second time using them and I wouldn’t hesitate to use them again and highly recommend to anyone else. Fantastic team, thanks! Michelle & Lee
I've just completed a remortgage in these particularly trying Covid-19 times. Louise has been nothing but brilliant throughout this whole process, from providing a firm offer in a couple of days, through to completion. Cant speak highly enough of this service level.
My partner and I have been talking about IMA for the last few days, even after finishing our talks with James there. You’ve got a household for life, I can assure you of that. We’ve never experienced customer service like this before and it has absolutely blown us away. If only other mortgage brokers took a leaf from your book!
For many years now Liane Wade and her team have taken care of our mortgages, both at our own home and at our investment properties. They do a super job and nothing is ever too much trouble for them. I recommend them highly
I have used the Independent Mortgage Associates Ltd, a number of time with mortgage, life insurance and they have been great. Iv recommended them to friends and family and everyone has been happy with there help and support.Great Team and thank you for your help.
Great efficient service provided. Very helpful & knowledgeable. Highly recommend.
Have used the company twice now Liane and Nicole are very helpful either via phone or email. Mortgage sorted our fast and efficiently to our needs would use again and recommend to friends and family.
3rd time we have used them, and wouldn't use anyone else. Always fast turnaround and always very helpful, Ian has always been great with dealing with us.
Such great help and advice from Liane and the team, very highly recommend them.
Excellent service: efficient and prompt; did what they said they would do. Queries answered speedily. Definitely recommended.
Amazing Service !!Louis and his team stepped in and saved my house purchase, when the broker I was using still hadn't got an answer on a mortgage after over 4 weeks. They got the deal signed sealed and delivered in 4 days!!!I cannot recommend them highly enough.
Professional, friendly, and extremely knowledgeable in their field. IMA have been assisting me for some time now with a complex move and mortgage. James in particular has been outstanding and every other staff member I have had the pleasure of dealing with has been great. Nothing is ever too much trouble. I have already recommended friends to IMAB, the quality and passion in what they do and the service they provide is second to none.
went here for mortgage advice and consultation, received a friendly service with absolutely no hard sell or pressure.
