Michael Harris-Smith
Michael Harris-Smith
Michael Harris-Smith joined the Yes Mortgage Services Limited team as a Mortgage Advisor in May 2021, he has spent the last 10 years working for British Airways and currently he is still an Inflight Manager on long and short haul routes. He is an expert when it comes to working out cabin crew pay statements and helping the Lenders to understand these complex documents.
We asked Michael to tell us a little about himself to share with you:
“I, of course enjoy travelling and seeing new places around the world with my favourite destination being Cape Town, South Africa. In my spare time at home I enjoy spending time with my husband Jay where we like to go paddle boarding and enjoying the outdoors and the coast of Bournemouth as well as spending time at home renovating the house and enjoying the garden.
I am from Ormskirk, West Lancashire near Liverpool originally but moved to Bournemouth 5 years ago where I have now settled.”
Posted on Trustindex
Jordan Barratt13 December 2023
10/10 Me and my partner were first time buyers and Michael made the whole process, from start to finish, a pain free and enjoyable experience. We really felt like we were in good hands, he did everything to an exceptional standard and made our lives during the process easy. Thank you Michael, we will be coming back to you when we remortgage / move house.Posted on Google
Kerry Clegg23 March 2026
Thank you to Micheal Harris smith for helping me get my mortgage. I am cabin crew and I spoke to other mortgage advisors and they didn’t understand my wage and got me basically pennies for a house. Micheal understood my wage and made my dream come true. My first home bought on my own finally became a reality. Well recommended regardless if you’re crew or not. Thank you again! KerryPosted on Google
Jack Fox22 September 2022A massive thank you to Michael! He was able to help me get my first mortgage with a wage which is complicated to understand. The whole process from start to finish was made very easy and stress free.Posted on Trustindex
Aston10 July 2024Amazing Service! Michael has been amazing throughout this process. Every step of the way, he's been clear, concise and helped us navigate the tricky market, found us the best deal, and we've just completed on our first home! Thank you so much, can't recommend you highly enough!Posted on Google
Becky Smith27 September 2021My partner and I will forever be grateful for the phenomenal service we received from Micheal. He was reassuring, friendly, efficient and proffesional. We would not have secured a morgage without him. If I could give him a 10/5 I would. Many many thanks.Posted on TrustindexMike Macherakis15 February 2024Outstanding service We have moved.... After many years of disappointments and complications out of our hands, Michael was able to find us a great deal and stick it through to the end. He is very professional and knowledgeable. Gave options and honest opinions. Pleasure to deal with. Would 100% recommend.Posted on Trustindex
Simon Keeling21 April 2024Great experience Michael was brilliant, he helped us every step of the way, especially considering the current climate of fluctuating mortgage rates! We ended up with a mortgage we're happy with thanks to Michael's expert advice and outstanding patience!Posted on TrustindexJacob exton16 June 2025Yes mortgages - fantastic Michael was excellent throughout. My partner is cabin crew and we know the troubles that this potentially comes with when getting a mortgage, Michael was super friendly, knowledgeable and worked his magic to get us an offer we wanted. I would highly recommend.Posted on Google
Rebecca Casey14 December 2022A massive thank you to Michael for helping my boyfriend and I with a mortgage for our new house together. We both have variable pay and complicated payslips to understand and he couldn’t have made it easier for us, the whole process extremely smooth and stress free. Thanks for everything , will definitely use you again in the future and I can’t recommend him enough !Posted on Google
Aj Aujayeb26 December 2024Michael was absolutely great in securing me a mortgage. He is very knowledgeable and gets things done promptly and efficiently. He was always on hand when I had any questions or needed something sorted. I’d really recommend his services.Posted on Trustindex
Emily9 June 2024Thank you! Michael was amazing! Helped me with the purchase of my first property, kept me informed throughout and explained everything to me in language that I understood! Can’t thank him enoughPosted on Trustindex
Tom2 February 2024Mortgage Broker experience with Michael Michael was absolutely fantastic in helping me secure my first mortgage. Initially I got an Offer from my Bank but as rates dropped, they wouldn’t budge unless I completely reapplied. I was then recommended to use Michael. He was able to reduce my rate twice without any hassle. I would not hesitate to recommend him and Yes Mortgages.Posted on Trustindex
Manuela Uccello23 April 2025Professionalism, good communication, great service Michael was a real asset for us and made our experience of home buying extremely smooth. Fast, efficient, always available to answer to any query and doubt, got our back getting us a better rate, saving us money. Highly recommended.Posted on Trustindex
Jessi1 April 2024Amazing experience Michael was amazing right from the beginning was so quick to respond and always explaining everything to me. Was always happy to help! I have recommended him to others.Posted on Google
Liam Singh4 May 2023Words can't express how thankful I am for Michael's help regarding my mortgage and purchase of my first home. I hadn't the foggiest regarding rates and borrowing. Michael not only informed me but proactively contacted me to let me know how they're changing and how they could affect my payments which definitely gave me the kick I needed to speed up my search and application. Even towards the end of my purchase, he didn't quit and secured me a better rate days before completion. Couldn't recommend more highly!Posted on Google
Chloe1 April 2023Michael was great throughout, can’t recommend enough. Me and my partner now have our own home all thanks to him. He was able to explain our complicated wage slips to our lender with ease. 10/10 service!Posted on Google
Michelle Mann3 April 2023Excellent service. I couldn’t recommend Michael enough, who helped me secure my first mortgage. I felt nervous due to lots of different factors and it was all very new to me. Michael reassured and helped me through the whole process. I will be using Yes again and have already recommended to friends. Thank youPosted on TrustindexEvie Cunliffe4 March 2024Great experience with MichaelPosted on Google
Jasmine23 April 2026Michael has been excellent, so efficient & communicative. I’m a first time buyer & he really talked me through the process step by step, answering any questions I had, making me feel completely at ease. He kept the process as stress free as possible & was super reliable throughout the process. Thank you so much for all of your help, Michael! I highly recommend.Posted on Google
Daniel Clark1 October 2022Michael was fantastic from day one, he was efficient and always available to contact. We got a really good rate and was able to borrow more than we expected. Honestly can’t fault the service provided at all! Thanks Michael for all your help in allowing me and my partner to buy our first home together!Posted on Google
Gav Schollick25 August 2023Mike at YES Mortgages sorted me right out. So professional and friendly. He kept me updated and I didn’t need to do the chasing. Really recommend his servicesPosted on Google
Hannah C30 September 2022Recently used Michael for my mortgage. He was excellent, happy to answer any questions and was always available when I needed to speak to him. He made the process feel so smooth, especially after I had a negative experience with someone else before using him. Thank you so much Michael :)Posted on Trustindex
Sam24 September 2023Michael was amazing! I had an amazing experience with Michael from Yes Mortgages, he found me the best mortgage provider and rate. Without him I wouldn’t have found my first home! Thank youPosted on Google
Kel9 January 2026Michael Harris Smith is undoubtedly the most professional, efficient and talented mortgage advisor that I have ever had the pleasure with doing business with. From start to finish everything was transparent, all information explained and my miracle mortgage was actioned quickly! 5 star service, safe and secure process! A huge thank you!Posted on Trustindex
Mollie Haynes25 April 2025best first mortgage experience Michael Harris-Smith helped me and my partner get our first mortgage. This was totally new to us and I was so scared going in, but Michael made it feel so quick and easy and stress-free! No question was a silly question, he was there to answer our questions at any time! Thank you Michael, will definitely be with him for life now!Posted on TrustindexCourtney Blackman4 March 2024Michael Harris-Smith is amazing at what he does. He secured our mortgage so quickly, keeping us updated throughout the process. No matter the time of day, Michael would answer our questions and made us feel secure in getting our first mortgage. Despite both our income structures being complicated, Michael was able to get us the best possible rate. He is professional, approachable and just a lovely person. I have already been recommending Michael to colleagues, as well as friends and family. We cannot thank him enough!Posted on Trustindex
Shelley Pierpoint6 December 2023Remortgaging for the 1st time. I was remortgaging for the first time and Michael came very highly recommend by some friends. He was excellent from start to finish. He made everything so easy and stress free. He continually checked for me to get me the very best deal. I’m so grateful and appreciative for Michael’s help, experience and his kindness. I really couldn’t have done it without him. I recommend him to anyone who is looking for help with their mortgage, you’ll receive the very best!Posted on Google
Giulia Rinaldi26 August 2022After speaking with different companies and mortgage brokers, we decided to reach out to Michael for help. We thought no one would understand our needs and our worries but Michael helped us so much in so many ways! We are so grateful we chose Yes Mortgage Services Limited and our mortgage offer got approved within a month which we never expected... and that's thanks to Michael's work! 5 stars all the way!Posted on TrustindexCraig Jones23 October 2024Fantastic, straightforward service. Michael was fantastic! He made everything so easy and explained the mortgage process very clearly and kept me informed. Would highly recommend and definitely use his services again. Apologies for the long overdue review!Posted on Google
Abbie Robinson9 November 2022Michael our mortgage advisor was really great , got the job done and was available if we needed him . After a long nine months and a offer renewal we were really happy with the service we received . Given the market Michael still secured us a good deal , with cashback Thank you Yes mortgages :)Posted on Google
Connor Downes20 February 2025Big thanks to Kelly and Michael at YES. They were extremely helpful and sorted pretty much every possible step with regard to Mortgages/Insurance. As a first time buyer they made the experience stress-free and easy. I wouldn't hesitate to use their services again.Posted on TrustindexBecky28 October 2023Thank you! I’m over the moon with the service I received I’m a first time buyer and the wonderful Michael Harris-Smith helped me get my mortgage in place. I wouldn’t have been able to do it without him. The work didn’t stop when I was sent the first offer I agreed to take- I was getting sent new better offers regularly until completion. Thank you for your patience and help I’m beyond grateful!Posted on Trustindex
sarah1801954 December 2024Fantastic - couldn’t have been more helpful Michael was fantastic- so quick to respond and progress the whole mortgage application process. I was a first time buyer and Michael took time to explain everything thoroughly which I massively appreciated, and helped me through every step. I would recommend Michael to anyone- very happyPosted on Google
Rich S1 April 2023Fantastic service from Michael. Kept in contact with us throughout the process finding us a better mortgage than the initial one.Posted on Trustindex
Mike20 March 2024New mortgage From the beginning Mike reaching out I felt in safe hands. No question was looked down on and he was available whenever I had a query which as cabin crew is unheard of! Everything was dealt with efficiently and with confidence passing me to the care of Kelly to discuss the further steps. Amazing Mike thank you again and I will be using you in the futurePosted on Google
Alex Woolhouse15 December 2025Michael made the whole process of getting my mortgage completely stress free and seamless. He kept in regular contact with updates and I would not hesitate to use Yes mortgages and Michael in particular againPosted on Google
Annie24 March 2026Michael has helped us a few times now to remortgage and to move. He’s made what is usually a very stressful process much easier. Couldn’t recommend him highly enough.Posted on TrustindexLuke18 July 2024Amazing service Michael, Abbie and Kelly was fast and efficient in securing my morgage and explaining every detail to me. When the morgage rates changed they instantly applied for a better rate without me having to ask. I must of spoke over a 100 morgage advisors when searching for a morgage and the team at yes mortgages was able to get me a better deal than any other morgage brokers I had spoke to. I would highly recommend giving them a call to see how they could help you.Posted on TrustindexDavid Petchey7 May 2024Mortgage made easy! Michael was so helpful with my mortgage application, with very easy fact finding to enable the best match to suit my budget. Always quick to reply to my emails and queries. Can’t thank him enough.Posted on Google
Rachel Finan1 March 2023A huge thank you to Michael for all his help with securing me the best interest rate when re-mortgaging. His advice and constant checking of all the rates available up until my deadline date has ensured I now have the best deal (and has saved me a fair amount of money over the next couple of years) I will definitely be using his services again when it’s time to move! Thank you againPosted on TrustindexHelen3 March 2024Michael was really efficient, helpful and friendly. He replied to any messages or queries really quickly & found the best suitable rate for my situation when remortgaging to a buy-to-let deal. Thanks so much!Posted on TrustindexPhoebe middleton21 August 2025Excellent Excellent service! Michael was great and provided me with expert advice throughout and made the process of buying my first home stress free! Can’t recommend enough!Posted on TrustindexLeigh Rodda13 May 2024Michael was our broker for our first property purchase and we appreciated his friendly, professional manner. His communications were always clear and we felt comfortable asking for explanations where we were unsure. Would highly recommend.Posted on Trustindex
Laura Silvester22 July 2024Michael was absolutely fantastic and made our experience stress free. He always answered any questions we had and was so knowledgeable - highly recommend!Posted on Google
Scott Morrow1 December 2022Michael was our advisor and finding us a mortgage was no easy feat.... My partner recently only just started her job, I've recently become self employed and was struggling to evidence my income and not to mention my two ccjs. Anyway I'm now living in my house and couldn't be happier with the service I received from yes mortgage services and Michael. 5 star service he really went above and beyond on this one couldn't recommend them enough.Posted on Trustindex
Joe11 November 2025Great service! Fantastic service from Michael. So quick and straightforward. Explained everything so clearly and made the whole process very smooth. Thank you!Posted on TrustindexMillie Flannagan2 February 2024Michael was very helpful and very prompt with any changes, he always kept me notified and was very quick at respondingPosted on Google
Emma Wilson26 February 2023Definitely recommend Michael, super friendly and secured us the best deal!Posted on TrustindexRae Corby5 December 2023So good! I was introduced to Michael through a friend who he had sorted a mortgage for previously. It was the first time after buying my flat that I needed to get a new mortgage product and with the market being as it is, and everything a bit overwhelming, Michael was able to find me the best deal, continuously checking this before my new term date to make sure it was the most suitable. He spoke me through everything and explained exactly what each contract/statement etc from the bank was for, and what I needed to get sent back (as well as some technical online document signing I couldn't get the hang of. I am super happy and would recommend him to anyone who is looking for a new mortage.Posted on TrustindexMillie Hodgson17 November 2025Amazing service Michael was quick to get back to me with any queries. He explained everything clearly for me as I was a first time buyer and made everything simple and stress free. Thank you!