Your Next Step to a happy home

At Your Next Step, we aim to make your journey straightforward and stress free throughout the whole life of your finances. Whether you are looking to get on the property ladder, move home or re-mortgage, Your Next Step will be with you every step of the way.

We will take care of everything, from explaining all your options, and helping you select the right mortgage, to choosing the most suitable protection for you, your family and your home.

We handle the entire application process, with advice that is specifically tailored to your needs and circumstances.

📧 Hello@YNSmortgage.com

📞 0333 880 8593

Start your journey

5 star reviews from Google for mortgage advice

  • Patrick Durkin, Mortgage Advisor at Your Next Step, provided outstanding support and truly deserves high praise. He was not only incredibly helpful but also empathetic, offering clear and thorough explanations at every stage of the process. Patrick kept me well-informed, addressing all my questions promptly. His service is a solid 10/10, and I would gladly recommend him to friends and family. It was an absolute pleasure working with him—I can’t thank him enough!

    Jamie

  • Alan was incredibly helpful from the moment we got in touch through to receiving the mortgage offer. He was always available when we needed advice, and nothing was ever too much trouble. Alan even shared a link to his own calculation tool, which allowed us to see exactly what our monthly payments would be. We would definitely recommend Alan, and we’ll be sure to let friends and family know about his services in the future.

    Craig

  • Patrick Durkin and Alan Mackenzie from Your Next Step deserve high praise for their exceptional support. Patrick was incredibly helpful and empathetic, offering clear explanations and outstanding communication throughout the process. He kept me informed at every step and responded to my questions promptly. I would highly recommend their services to friends and family—the experience was fantastic, and Patrick was so friendly! It was an absolute pleasure to work with them, and I can’t thank Your Next Step enough for making our first home purchase so much easier. Thank you both for your incredible service!

    Neelam

Meet the Team

  • Image of Alan, the founder of Your Next Step

    Alan MacKenzie

    Founder and Mortgage Broker

    Alan is the Director of Your Next Step and an experienced Mortgage Broker, dedicated to helping clients secure the right mortgage and protection for their needs. With years of industry expertise, he has built a business focused on honest advice, outstanding client care, and long-term relationships.

    Having worked in the mortgage sector for several years before founding Your Next Step, Alan understands the challenges clients face and works tirelessly to make the process as smooth as possible. Whether it’s buying a first home, moving house, or refinancing, Alan ensures clients receive expert guidance every step of the way.

    Passionate about providing a first-class service, Alan has built a team that shares his values of trust, professionalism, and putting clients first.

    📞 07548 460038
    📧 Alan@YNSmortgage.com

  • Patrick

    Mortgage and Insurance Broker

    Patrick is a skilled Mortgage & Protection Broker with a strong track record of helping clients secure the right mortgage and insurance solutions. Having worked alongside Alan and Chris at First Mortgage, he brings a wealth of experience and a client-focused approach to Your Next Step.

    With expertise across all areas of mortgages, Patrick takes pride in guiding clients through every stage of the process, whether they are buying their first home, moving house, or looking to remortgage. He also specialises in protection, ensuring clients have the right cover in place to safeguard their future.

    Known for his friendly and approachable nature, Patrick is committed to providing clear, honest advice and making the mortgage process as straightforward as possible.

    📞 07397 123509

    📧 Patrick@YNSmortgage.com

  • Chris Urquhart

    Mortgage and Insurance Broker

    Chris is a highly experienced Mortgage and Insurance Broker with over 16 years in the industry. Having worked alongside Alan at previous firms and with Patrick at First Mortgage, he brings a wealth of knowledge and a client-first approach to Your Next Step.

    With particular expertise in remortgages, Chris has a strong track record of helping clients secure the best deals when reviewing their existing mortgage. However, his strengths span all areas of mortgage and protection, including life insurance, critical illness cover, and income protection. A great guy with a natural ability to build rapport, Chris is committed to making the process smooth and stress-free, ensuring clients feel supported every step of the way.

    📞 07539 966919

    📧 Chris@YNSmortgage.com