Andrew Johnson

Andrew (or Andy)

Locations: Ringwood, Bournemouth, Sandbanks

Andrew launched YES Mortgage Services Limited in April 2014, having previously spent 25 years in the British Army as a professional musician.

For the vast majority of Andrews military career, he was based in Dorset and so he bought his first house in Bovington many years ago and has lived in the Dorset / Hampshire area ever since.

Now running the Main Office for Yes Mortgage Services in Ringwood, Hampshire, Andrew is married to the lovely Amanda and dad to James and Jacob, his weekends are often chasing after the boys or watching rugby.

Testimonials for Andrew

Andrew and his team have worked miracles again. This is my second mortgage with the team and nothing is ever a bother. They go above and beyond to assist you with your needs. Great knowledge and phenomenal customer service. Highly recommended! 
Meant every word! Team is awesome! 
Vicki Graham

We are so grateful for the professional help and support we have received from both Andy and Kelly at Yes Mortgage Services and Yes Insurance Services. We bought our first home at the beginning of the lockdown and thought that under the circumstances we may have some difficulty, especially being first time buyers with no experience ourselves. But we couldn’t have been more wrong!

Despite not being able to meet in person, Andy was extremely helpful and able to secure and apply for a great mortgage offer for us (one that we would never have been able to arrange ourselves), all done remotely. He helped us every step of the way, explaining everything we didn’t understand and turned something that seemed so daunting at the beginning, into a very easy and pleasant experience. Andy’s knowledge and experience in the business really shines through and we could not thank him enough.

Kelly has also helped us no end with making sure we had all the correct information and helping us to choose the insurance policies that best suited our circumstances. Everything was so easy, she applied for the policies for us, which were carefully chosen to suit our needs. Her knowledge in the field, paired with her friendly, helpful attitude was perfect from beginning to end.

Andy was recommended to us by a friend and we will definitely be passing the recommendation onto others. We will certainly be speaking to Andy and Kelly again ourselves when we decide to move.


Michaela Frampton

“I’ve known Andy for over 20 years, having served with him in the Armed Forces.  Once I found out he was doing mortgages, it was an easy decision to get in touch with him and utilise his services. I wasn’t disappointed either.  He was clear from the start about what I needed to do and once I had handed over the necessary paperwork, he did the rest. The whole process from start to finish was well handled and any issues were quickly solved in a very professional manner.  The services of him and his company were that good that I used them again when it came to swapping my mortgage over.  This process was even quicker and sorted within a couple of hours of me contacting Andy to enquire about it. I’m also paying £50 a month less, which is always a bonus.  I’ve since found out that a mutual friend of ours has used Yes Mortgages in the past and they are also very happy with how business has been done.

It would be easy for me to just write a good review because Andy is a long standing friend, but I would still expect a good service from him, and this is what I have received. We have also talked about my mortgage longer term and discussed my options over the next few years, so this isn’t just a here and now product. When it comes to my remortgage  in just under two years time I will be using Yes Mortgages again and I will probably stick with them for the duration.

The whole team are dedicated and very friendly, but professional as well.  I cannot recommend them highly enough.  They also have someone who deals with life insurance (Kelly) and I’ve been in regular contact with her over the best cover for me.  Yet another member of the team that is highly proficient and seems to genuinely care about the client.

Good job to all involved. Five stars from me.”

Wez McInnes

“Andy was recommended to me by a family member two years ago when I was looking to buy my first property. His superior knowledge of the industry led to him finding me several very attractive mortgages, one of which I took. Upon coming to the end of my 2 year fixed-rate, it was an obvious choice to once again draw on Andy’s services, and this time he has found me an even better deal!

I have recommended Andy’s services to a close friend of mine, who has been equally impressed with his ability to find his clients the very best deals on the market. I would highly recommend Andy to anyone looking to (re-)mortgage a property.”

Dr Paul Brannagan

“Andrew is responsive, knowledgable and an incredible problem-solver. He gives you a straight answer and never over promises.

We have used him for our past 3 moves and I would recommend Andrew to anyone. And also he’s a top bloke.”
Nigel Parsons

‘We are very pleased with the help we received from Yes Mortgage Services, they provided us with a friendly and thorough service from start to finish. Andy clearly highlighted every scenario which could affect our financial situation, helping to choose the right option for us. We were kept informed throughout the whole process of our application and now have better knowledge to understand future queries. We will definitely be recommending to all friends and family.’

Joe and Tasha Ryall

Andy was amazing!! He seemed to have a magic wand and found us the perfect mortgage that got us out of our little one bedroom flat and gave us room to grow as the family we had become. He was willing to answer any of our questions and failed to make us feel like a nuisance. All the information was explained to us every step of the way and if he was unable to answer our queries, he would find someone that could. We cannot thank Yes Mortgages enough for their professionalism and wonderful service. We are one very happy family in our new home. Until the next time we decide to renew or move.

Thank you, thank you, thank you.

Rhiân and Simon Wootten

I have used Yes Mortgages and dealt with Andrew for several years now. Some mortgage applications have been more challenging than others in that time and I have always found Andrews advice and expertise to be excellent. Andrew is very personable and flexible and always happy to help. Can’t ask for much more really.

Simon Martin

As first time buyers it was important that we found someone who could go through the whole mortgage process with us to ensure we understood everything and had all the information we needed. Andy at Yes Mortgages certainly did this, and we could not be happier with the service he provided. We contacted Andy and arranged an appointment out of hours at a time that suited us, and he answered all our questions until we were happy we understood the process of getting a mortgage.

Once we found a property, Andy sorted our mortgage application within a couple of days, meaning we didn’t have to worry about that side of things which made everything a whole lot easier and quicker for us! Without a doubt I would thoroughly recommend Andy to anyone.

Another member of my family has already contacted Andy to discuss how he can help them, as they were so impressed when hearing about his service. We will definitely be going back to Andy and Yes Mortgages in the future.

Dan and Danielle

Andrew has provided us with great service and we appreciate his expertise and willingness to work with more than one lender to help us to reach our goals.

He has been professional and knowledgeable and I would highly recommend him for any of your mortgage needs.

Pieter & Corne

Pieter & Corne van Deventer

Second property purchased with Andy’s help. Highly recommended!

Dion McCarthy

Andrew has once again made the process of managing our mortgage stress free and changing it so easy. Always there to answer our questions in a very timely manner and provide the best advise. We are really happy to recommend Andy to our friends and family. Thanks again and look forward to working with Andy in the future.

Jess Shears

Yes! Yes! Yes! a fantastic service. Andrew helped my wife and I during a particularly challenging period. Our circumstances became very changeable and constantly variable – Andrew seemed to take it all in his stride and without noticeable, outward frustration or irritation advised and adjusted our Mortgage application accordingly. We were delighted with the offer we received and with the speed in which everything was completed. Super efficient. Super flexible and agile. Unflappable from beginning to end – can’t recommend Andrew and Yes Mortgages highly enough. Why would anyone use any other mortgage service when YES! is quite simply the best!? NO FEES OR ADDITIONAL COSTS!!
Wayne Parsons, Verwood, Dorset.

Wayne Parsons

I would like to thank Andy for all of his work and attention. When anything went wrong with my purchase he was always a phone call away with advice to help me. The process was quick and easy and always kept me informed with the application. 5 stars great service, top bloke and would happily reuse Andy’s services when I come to re-mortgage.

Kris Vowden

Absolutely fantastic!!When we initially started on the daunting journey of buying our forever home, I was referred to Andrew from a friend who had worked with Andrew in the past. He laid our mind to rest from the first time we spoke and we felt supported through the entire process and he was able to answer every question we had (even the stupid ones at 8pm on a Friday night…Sorry!!). A fantastic service and a great bloke whom I fully recommend if you are looking to get a mortgage…Thank you Andrew for your hard work in getting us a great deal!

Ryan Veal

I have used various mortgage advisors over the 26 years I have had a mortgage and I can honestly say, none of them where as helpful, easy to use or friendly as YES Mortgage solutions. YES Mortgage solutions were professional attentive and ensured that I had all of the information that I required to make a decision, I wholeheartedly recommend YES Mortgage Solutions, they are a Brilliant team!

Simon Wheeler, Wimborne, Feb 19

Thank you for making our re-mortgage so quick and easy.  Andrew was so helpful, advising us of our options and making sure we were happy with every step.  Andrew saved us money with our new deal and also advised us on how we could make savings on our current insurance policies.  The service we received from Andrew and the team was outstanding and I will certainly recommend Yes Mortgage Services to all of my family and friends.

Chris and Jo Hazel - Bournemouth, Mar 19

I have used Andy Johnson on multiple occasions, in fact this latest mortgage arrangement in 2021 is our third that he has organised.

Andy has always been able to secure the mortgage we want that meets our needs and at a welcome agreeable interest rate. Moreover the process is responsive, thorough and lightening quick.

Andy Hallowell

I have no doubt that when it comes to mortgages Andy is a magician. It’s true that not all hero’s wear capes, but Andy secured the mortgage I needed to get the house I wanted so he is a hero of mine.

Before I was introduced to Andy I was working with another broker/advisor who in hindsight done nothing but waste my time. After I made the decision to start working with Andy, which I now consider to be one of the best decisions I’ve ever made, I got results and I got them fast, because that’s what Andy does, he gets results and he gets them fast.

I cannot fault Andy and his team in any way, and any praise I give them simply will not do them the justice they deserve.

Big thumbs up from me. 10/10

Brenton De Wet

Andrew was recommended to me by a friend and what a relief! He was patient, clear, knowledgable and helpful throughout. Always prompt in his communications, he found me a better deal than I could have done so allowing me the freedom to buy the property I really wanted, I have nothing to complain about! I especially appreciate the easier form filling and he streamlined what would have otherwise been a lengthy process. All in all I now have peace of mind that it’s all been set up professionally and he has really alleviated the stress for me. With grateful thanks.

Claire Myatt

This is the second time we have used YES Mortgage Services. Andy first helped secure a residential mortgage 3 years ago and has now secured a buy-to-let mortgage for our first investment property.

Andy and the team are very efficient and do a lot of the leg work finding and securing mortgage offers, this is extremely helpful as my job doesn’t leave much time for sending endless mortgage applications. I will be using YES Mortgage Services again and I always recommend them to family and friends. Thanks guys for helping us getting property number 2, you can expect a call when I’m after the third!



Aaron Welch

Big thankyou to Andrew for his help with our remortgage finally all sorted and very happy with the lower payments.

Nigel Adams

This was the second mortgage Andy had arranged for me and it was smooth sailing. He was always there to answer my questions and guided me through everything I needed to know. I would recommend them to anyone! Thanks again a 5 star service

Andy Gibbs

Just wanted to let you know that we have moved in finally. Just want to say massive thank you for your help. I will recommend you to all my friends that are looking for a mortgage. We will also be in touch when it’s time to remortgage if that’s ok. Thanks again!

Magda and Marcin, Bournemouth 

Would like to thank Andrew for getting us our mortgage very straight forward guy and very friendly. We definitely be using you again and would recommend Andrew thanks again.

Lucinda Hewlett

I cannot thank Andrew enough for all of the help, advice and support he gave us whilst sorting out our mortgage.
We first contacted Andrew around a year ago to find out what we needed to do to sort out a mortgage. He has been a friend for many years and I trusted that he would give me a no nonsense reply and he definitely did that!

I thought it would be years before we were in a position to buy our forever home but he soon put that fear to rest by outlining what we needed to do financially to make it happen.

So we got to work saving and started looking at where we wanted to live. Fast forward a couple of months; we got back in touch with Andrew and told him we had chosen our new build plot, reserved it and he went through everything that we needed to do next. He sorted an “in principal” mortgage very quickly and we were able to exchange with a deferred completion until the house was due to be finished in June 18.

Over the next few months we contacted him regularly asking advice on lots of different aspects including life insurance, buildings insurance and general “eek panic” moments and he was brilliant every time. He talked us through the offers that our builders were giving and gave us ideas on how best to use these offers without them having an impact on our mortgage offer.

He explained everything to us in a calm and professional manner and didn’t ever make us feel as though we were asking stupid questions (which we were, A LOT).

As we had exchanged 8 months prior to completion we had to re-apply for our mortgage offer (which Andrew did in the background). The mortgage company came back with a different offer and Andrew was straight there, working with our solicitor to make sure that we were not affected by it.

About a week before we completed I went into full on panic mode with “what ifs”. By this stage I was 7 months pregnancy, very emotional and doing an amazing impression of Chicken little’s the sky is falling!

Again, Andrew chatted with us and assured me that everything was going well and there would be no last minute problems and again, he was right!

We have been in our little house by the beach for 2 months now and we couldn’t be happier. We WILL be using YES Mortgage services again when we look to remortgage and pay of the help to buy loan and also when we look for better deals in the future.

I wouldn’t trust any other company to look after us the way Andrew has. A real person approach is exactly what was needed. Honest, straight talking and looking out for US the whole time, not the mortgage companies.

Thank you Andrew and YES Mortgage Services.

Stefanie Davidson

Have been a pleasure and a luck to find Andy in the right time. As a just arrived in UK family, we had not proper credit history, and after visiting few different banks, the time with Andy was like having a interview with hundred banks and building society at the same time.

He found the better option for us and provided a set of advises that help us to better anticipate futures needs.

We did ours second mortgage with him and even the third one. Every time the mortgage god better and easier.

I recommend Yes mortgages as a top option. Andy is a great professional with a excellent personal and human touch, able to understand an international and intercultural point of view and find the right solution in very short time.

He was very kind and even visit us at home to avoid the need to move the child to his office.

And all of that was done for a fee that most of times will charge to you anyway even if you do the process at the bank office.

Thank you Andy for your help.

Benito Moreno Martin

We are in the early stages of planning to buy our first house, the team are so supportive and especially supportive and understanding of our military background. Since meeting the team we have referred to a few other people and will continue to do so.

Fantastic company, I wouldn’t go to anyone else!

Rachel Branagan

Andy and all the team were flawless in helping us purchase our first property and get onto the ladder. They’ve all got a real personal touch and completely understood our individual circumstances. I can confidently say I couldn’t recommend them highly enough, because I have to two of my colleagues who have gone on to purchase a house with help from the Yes Mortgages team!

Ed Watts

We would not hesitate to recommend Andy at Yes Mortgages Services LTD. From the very first contact Andy was very well informed and spoke plain English about the whole process and put us at ease. Even though at first our property purchase fell through, when we were ready to proceed again Andy was quick and efficient in helping us with the right mortgage deal. In dealing with various stakeholders during the (frustrating) process of buying a home, we found Andy without doubt the most efficient, accurate and friendly. We would use Andy’s services again if needed and thank him very much for his time and expertise.

Anna Kopec Massey, Bournemouth

Andy was excellent couldn’t fault anything he did for us throughout the process he is exceptional at what he does and made the process easy as possible and as stress free as it can be. Highly recommended and have already recommended Andy to my work colleagues!

Tom Davidson

Andrew at Yes Mortgages was a great help with our remortgage, saving me money and releasing capital to finish our renovation project. The fact I didn’t have to pay a broker fee was a bonus, although I happily would have, given the service.

Stuart Andrews

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