A couple discussing their mortgage options with a mortgage broker

Clear mortgage advice. Confident decisions.

Moving house, remortgaging or buying your first property in 2026? Our expert, CeMAP accredited and FCA regulated mortgage brokers can help you find your ideal mortgage, wherever you may live in the UK.

Mortgage brokers you can really trust

Finding the right mortgage can be overwhelming, but The Mortgage Centres team of expert mortgage brokers is here to help. We offer tailored solutions for those with bad credit, skilled workers, first-time buyers, remortgages, and investors, guiding you every step of the way.

Free initial advice
5 star reviews
Access to the whole market
Established over 25 years
Personal service
A woman talks about her options with a bad credit specialist mortgage broker

Bad credit mortgages

It’s possible to get a mortgage even with bad credit. Our expert mortgage brokers specialise in adverse credit mortgages, offering tailored solutions for your unique situation. Explore your options today!

A woman talks about her options with a bad credit specialist mortgage broker View all mortgages
Woman gleeful about her self employed mortgage deal whilst reviewing terms on his tablet.

Self-employed mortgages

Unlock your homeownership dreams! We help sole traders, contractors, and directors secure the best deals. Your unique income is our expertise. Get tailored advice today.

Woman gleeful about her self employed mortgage deal whilst reviewing terms on his tablet. View all mortgages
Man gleeful about his buy to let mortgage deal whilst reviewing terms on his tablet.

Buy-to-let mortgages

Investing in property? Our expert mortgage brokers specialise in Buy-to-Let mortgages. We’ll help you navigate complex criteria, secure competitive rates, and help you grow your portfolio!

Man gleeful about his buy to let mortgage deal whilst reviewing terms on his tablet. View all mortgages
Tier 2 visa mortgage awarded to woman with keys to new home in her hand.

Skilled worker mortgages

On a Skilled Worker Visa? Getting a mortgage in the UK is possible! Our specialists help visa holders navigate lender criteria, secure competitive rates, and achieve homeownership!

Tier 2 visa mortgage awarded to woman with keys to new home in her hand. View all mortgages
Couple happy about figures from mortgage affordability calculator on laptop.

Mortgage affordability

Understanding what you can afford to pay out each month is a huge part of lender’s decision making on whether they will lend to you or not. Read our comprehensive guides, and if you get stuck, let’s talk.

Couple happy about figures from mortgage affordability calculator on laptop. View all mortgages

Excellent

4.98 based on 964 reviews

Anonymous

Verified user

Thanks to Dave who was brilliant from start to finish. Really helpful and attentive with any questions me or my partner had. Would definetly recommend!

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United Kingdom, 11 minutes ago

Jason Scott

Verified user

Very good service very helpful can’t complain at all used them twice now :)

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United Kingdom, 17 minutes ago

Brenda Burrows

Verified user

I have used Neeham Market Mortgage Centre for many years when applying for personal and buy to let mortgages. James has always been very efficient finding me the best rates possible, so much so I have referred several family members to James when they have needed similar services. Regards Brenda Burrows

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United Kingdom, 6 hours ago

Steven Smith

Verified user

James and the team always provide effective and personal support during the mortgage process. Friendly and efficient, they are a company you can trust.

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United Kingdom, 7 hours ago

Deborah Hill

Verified user

Dave is a very efficient and knowledgeable financial adviser who always treats us with great respect. He dealt with us twice and works very speedily. We have no hesitation in recommending him to others. Thank you for a great service.

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United Kingdom, 7 hours ago

Anonymous

Verified user

James Rice was Excellant and got the best deal he could and all the steps were very easy to achieve and understand. Great company to deal with and will always choose Needham Mortages

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United Kingdom, 9 hours ago

Duncan Foster

Verified user

Very professional service, offering multiple options. I would not use another broker, outstanding service from James Rice! !

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United Kingdom, 9 hours ago

Adam Reynolds

Verified user

We have used The Mortgage Centre twice in the last four years. Both times we have experienced brilliant customer service and complete control. At no point has there been any worries or issues. Communication (phone and email) has been clear and regular which for first time buyers and then going through remortgage has been perfect. Thanks to Dave and team for all the efforts - we would highly recommend The Mortgage Centre and will use the team again in the future. Adam & Hannah

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United Kingdom, 13 hours ago

Kieran Gorgun

Verified user

I had an excellent experience with Needham Mortgage Centre from start to finish. The team were friendly, professional, and always happy to answer any questions I had throughout the mortgage process. They kept me informed at every stage, explained everything clearly, and made what could have been a stressful experience feel straightforward and hassle-free. Their knowledge and dedication gave me confidence that I was getting the best advice and the right mortgage for my circumstances. I really appreciated their prompt communication and personal approach. I would highly recommend Needham Mortgage Centre to anyone looking for reliable, honest, and professional mortgage advice. Thank you to the whole team for your outstanding service!

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United Kingdom, 13 hours ago

Mark Byford

Verified user

We breezed through the whole process quickly with the help of James. Our experience with Needham Mortgage centre felt stress free. As first time buyers we appreciated the clear guidance through fees involved and how James handled the heavy communication with the lender. He dated us frequently so we felt cared for every step of the way. If you want a mortgage company who care for you, are backed by years of experience and will get the job done efficiently, then Needham Mortgage Centre is the right choice for you.

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United Kingdom, 14 hours ago

Smart solutions with a personal touch

It’s true, we offer a friendly, personal touch – but that’s just a bonus. You should choose us because we’ll find the perfect mortgage to fit your needs, setting you up for a stable and comfortable future in your home.

Read more about us

Couple with dog, visibly happy about smart mortgage solutions.
Couple with dog, visibly happy about smart mortgage solutions.

The benefits of using a mortgage broker

Navigating the mortgage market can be tricky. Here’s how a dedicated mortgage broker can simplify the process and secure the best outcome for you:

Two people engaged in conversation about the best mortgage advice.

Only the best advice, no strings attached

Unlimited brokers aren’t tied to any banks or building societies. Therefore, they will give you an honest opinion based on what they know about you.

Elderly woman finds out over the phone that she has access to thousands of potential deals.

Access to thousands of potential deals

As whole-of-market brokers, we’re not tied to any lenders, giving us access to thousands of products and exclusive, unadvertised deals.

Man happy after learning that his mortgage broker will save him time.

Saving you time to focus on moving

Researching your options can be time-consuming, Let a broker handle it for you, so you can skip the hassle and get moving faster.

Couple know the best people.

We know the best people for the job

When it comes to specialist mortgages, like bad credit loans, we’ve got the experts on hand who know exactly how to help.

Let's talk

Our team will aim to get back to you within 24 hours.

0330 0945876 Standard network rate
[email protected]

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