Mortgage Advice for Wherever You Are Right Now
No two mortgages look the same, because no two situations do. First homes, second homes, rental properties, moving up, moving on, we’ve likely advised on something close to your situation before.
We search the whole market rather than a shortlist, so what you see is a genuine comparison, not whatever a single lender happens to be pushing that month. Every recommendation comes with an easy explanation of why it fits you specifically.
Which Type of Mortgage Do You Need?
Select your path to see how our whole-of-market comparison finds your ideal rate.
First Time Buyers
Nervous about the process? We’ll explain every step, from deposit to keys.
Home Movers
Moving to a new property, whether you’re upsizing, downsizing, or relocating.
Buy-To-Let Landlords
Purchasing or remortgaging a rental property, as a new or experienced landlord.
Remortgage
Switching deals when your current one is ending, or releasing equity from your home.
Bridging Finance
Short-term finance for chain breaks, auction purchases, or tight timings.
How Mortgage Advice Actually Works With Us
A first conversation, free and with no obligation, where we ask about your situation rather than launch into products.
A whole of market search, so you see options from across the lending market rather than a handful of preferred partners. A clear recommendation, explained in plain language, with the reasoning behind it, not just a rate on a page.
Support through to completion, from application to offer to keys, with one adviser who knows your file throughout.
Not sure which fits? That’s a completely normal place to start. Get in touch and we’ll help you work it out before we talk about products at all.
The My Mortgage Co. Way
We search the whole market, not just the easy bit
Whole of market means exactly that. We check the full lending market rather than a shortlist of ‘preferred’ partners, so what you see is a genuine comparison, not whichever deal happens to be easiest for us to arrange.
One adviser, from hello to keys in hand
You won’t get passed between different people telling you different things. The adviser who takes your first call is the same person who sees your mortgage through to completion.
Straight talk, backed by real regulation
If we can’t explain something simply, we haven’t explained it well enough, and that goes for the small print too. We’re authorised and regulated by the Financial Conduct Authority, firm reference number 751361, so you’re never just taking our word for it.
Don't forget protection
Most people arrange a mortgage and only think about protecting it afterwards, if at all. Before you commit to a mortgage, it’s worth understanding your mortgage protection options too, so your family isn’t left exposed if your circumstances change.
Mortgage FAQs
How do I know which mortgage type is right for me?
It usually comes down to what you’re doing (buying, moving, remortgaging, or letting) and your circumstances (deposit, income, credit history). Talk to us before you assume, since the right answer isn’t always the obvious one.
Do you charge for mortgage advice?
Can I get a mortgage with bad credit?
Often, yes, though your options may be more limited and rates may be higher. Different lenders assess credit history differently, so it’s worth talking to a broker before assuming you’ll be declined.
How much can I borrow?
This depends on income, outgoings, credit history and the lender’s own criteria, which vary more than most people expect. We’ll give you a realistic figure based on your actual circumstances rather than a generic multiple of salary.
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Ready to Talk it Through?
Tell us what you’re trying to do, and we’ll tell you honestly whether we can help and how.
Prefer to talk right now? Call 0800 1 777 333