MORTGAGE ADVICE IN TRURO & CORNWALL

Mortgage Advice in Truro, Cornwall

Clear, one-to-one mortgage advice from Darren Hearne CeMAP, Mortgage & Protection Adviser at Sound Mortgages, based in Truro. Helping first-time buyers, home movers and remortgage clients across Cornwall, including limited company directors, self-employed applicants and people with more complex income.

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MORTGAGE SERVICES

Mortgage advice for your next move

Whether you’re buying, moving or reviewing an existing mortgage, I’ll help you understand the options available through my service and what lenders may consider.

First-time buyers

Understand the process, lender criteria and the costs to plan for when buying your first home.

First-time buyer advice →

Remortgaging

Review your current mortgage, product-transfer options and alternatives when your deal is ending or your needs change.

Remortgage advice →

Home movers

Mortgage advice when you’re selling and buying, including affordability, porting and arranging your next mortgage.

Home mover advice →

Shared ownership

Help understanding mortgage options and lender criteria when buying a share of a home.

Shared ownership advice →

New builds

Advice on lender criteria, timescales and mortgage applications for a new-build purchase.

New-build advice →

Self-employed

Advice based on how lenders assess self-employed income and the supporting documents they may need.

Self-employed mortgage advice →

WHY CHOOSE DARREN

Local mortgage advice, personally handled

I’m based in Truro and help clients across Cornwall with clear, straightforward mortgage advice from the first conversation onwards.

Whether you’re buying your first home, moving house or reviewing your existing mortgage, I can explain the options available through my service and what lenders may consider. Some Cornish properties may need additional checks, including older construction types, leasehold flats and new-build homes. We can discuss relevant lender criteria early in the process.

I also help company directors and self-employed clients understand how lenders may assess salary, dividends, company profits and other income. Read more about mortgages for limited company directors or see my self-employed mortgage advice page.

Truro & CornwallLocal advice for clients across Cornwall.

One point of contactDeal with Darren throughout your mortgage journey.

Flexible appointmentsPhone, online or in-person appointments to suit you.

Clear explanationsUnderstand lender criteria, rates, fees and key features before you apply.

INDEPENDENTLY RECOGNISED CUSTOMER SERVICE

Award-winning mortgage advice at Sound Mortgages

I’m a Mortgage & Protection Adviser at Sound Mortgages. The firm received three awards at the ESTAS Awards 26/27, based on customer feedback.

Sound Mortgages' three ESTAS Awards 26/27 badges: Cornwall Best in County Winner, South West Mortgage Broker Gold Winner and Best Mortgage Broker Office in the UK Bronze Winner

These awards recognise Sound Mortgages as a firm, not an individual adviser.

View the ESTAS awards results →

CLIENT REVIEWS

What clients say

REVIEWS FROM MY CURRENT GOOGLE BUSINESS PROFILE

All four five-star reviews currently published on my Google Business Profile. These are genuine customer reviews, shown in the customers’ own words.

★★★★★

EmmaGoogle review · 6 November 2026

I contacted Darren after initially speaking with a different mortgage broker about my shared ownership purchase.

I'm really glad I did, as Darren managed to find me a better mortgage deal than the one I'd previously been offered by the other broker.

He was professional, friendly and took the time to explain everything clearly, making the whole mortgage process much easier to understand.

I would highly recommend Darren to anyone looking for mortgage advice, particularly if you're considering buying a shared ownership property. It's definitely worth speaking to him before committing to a mortgage.

★★★★★

Hannah PGoogle review · 16 January 2026

Fantastic service from Darren throughout our remortgage. Clear advice, smooth process, and we wouldn’t go to anyone else for our mortgage needs.

★★★★★

Tom BenfieldGoogle review · 15 April 2025

I’d like to say a huge thank you to Darren. He’s been exceptional throughout the process, and I know he went above and beyond to get the right mortgage offer for me. I’m a first time buyer, and his support with navigating me through the process made it easy, understandable and stress free. I’ve been singing his praises to all my family and friends, and highly recommend to anyone. Thanks to Darren’s team who also supported me with updates during the purchase with my solicitor.

★★★★★

Emma RoutledgeGoogle review · 15 April 2025

Great service from Darren for my income protection and life insurance. Always on hand for questions and explains everything very well so I could understand. Thanks Darren!

View my Google Business Profile ↗

    
 
 
       Posted on Google  
   
   Chris Hickson 
 
 
 
 Trustindex verifies that the original source of the review is Google. We would highly recommend Darren if you’re looking for a mortgage broker. Our mortgage application was particularly tricky with a lot of back and forth with the mortgage lender. Darren went above and beyond to help us and made a very stressful process go as smoothly as possible. He offered great insights throughout and answered all of the many questions we had on our journey to purchasing our first home.
  
 
      Posted on Google  
   
   SARA BARNY 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service. Darren took the time to explain every step of the process and clearly communicated what needed to be done and explained the time scales. He made himself available when needed and was always responsive, which made this a very positive stress-free experience.
  
 
      Posted on Google  
   
   Shireen Darwood 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been working with Darren as a first time buyer to secure a mortgage.
Darren has been so supportive and helped me understand the process. Darren has communicated with us every step of the way and answering any questions we may have.
Darren has supported us to get the right mortgage for us at a great rate. Darren took time to explore lots of options and has made the journey of getting a mortgage a simple one.
Nothing was ever to much trouble.
I have recommended Darren to friends and will continue to do so.
  
 
      Posted on Google  
   
   Ross S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service by Darren, so quick and helpful with all of his replies, would 100% recommend him to anyone.
  
 
      Posted on Google  
   
   Mark Wallis 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Darren and CheapMortgagequotes! Darren help us through each step of our mortgage renewal and got us the best deal. I would recommend Darren to anyone! Great Service throughout !
  
 
      Posted on Google  
   
   Hannah P 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Darren, who made our mortgage application as smooth and stress free as possible. He was always on hand to answer any questions, taking the time to explain the process and finding the best quote for us. 10/10 service!
  
 
      Posted on Google  
   
   Louise Moye 
 
 
 
 Trustindex verifies that the original source of the review is Google. Darren has managed to get our mortgage through so efficiently and professionally, it felt like the easiest mortgage process we’ve ever been through! He was really thorough and friendly in providing options and made it very simple to understand the differences in what we had to choose from. I looked at different options initially but Darren got us the best rate from the whole of market and made the process seamless. We’re over the moon!
⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   Emma Routledge 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent advice, quick response whenever needed, best products from whole of market.