Welcome to The Mortgage Centres
Moving house, remortgaging or buying your first property? We can help you find your ideal mortgage, wherever you may live in the UK.
Finding the right mortgage can feel like navigating a maze. With so many options it’s easy to lose yourself in the details. Don’t worry, The Mortgage Centres team is here to guide you every step of the way.
We understand that mortgages don’t come in one size to fit all. That’s why we offer a wide range of services to meet your unique needs and goals. We can help you find the best mortgage. This applies to first-time buyers, those looking to remortgage, and those building their investment portfolio.
Mortgage Brokers covering the UK
You don’t have to use us because we provide a friendly, personal service (although we do!). Instead, you should use us because we help you find the right mortgage to suit your requirements, ensuring you’re on the road to a stable, comfortable life in your home.
Since 1996, we’ve made thousands of clients happy with a personal, approachable, and comprehensive service. As independent mortgage brokers, we aim to be honest, impartial, and open in all our dealings with you. We want to make your mortgage deal quick, easy, and hassle-free.
Many changes have occurred in the mortgage industry over the past 20 years. We are committed to offering a friendly, knowledgeable, and professional mortgage service to UK homebuyers and landlords.
Specialist Mortgage Advisors
Specialist mortgage brokers in the UK
For over 20 years we have been keeping clients happy with an unbiased and personal service. No matter where you are from in the UK, we are here to help you on your journey.
We offer the personal attention that comes with a local mortgage broker, plus the power of a regional network. This gives us the pool of knowledge and industry leverage to ensure you get the right deal for your mortgage.
Get in touch today to start your mortgage journey and we will pair you with one of our expert advisors.
What does a mortgage broker do?
It’s safe to say that the mortgage application process can be a bit daunting and confusing at times. With detailed lender requirements, in-depth credit checks, and many products available, it can all become a bit overwhelming.
This is where a mortgage broker can help you. A good mortgage broker will review your circumstances, assess the options available to you and find you the right deal. Here’s a list of what to expect from a broker like us:
- Understanding you, the customer – For us to be successful our mortgage advisors must establish a strong relationship with you. Ensuring we understand your plans for the future, helps us to find you the right product.
- Give you an honest estimate of your borrowing and mortgage capability – While you may have an idea of what you could borrow, this may not always be correct. By consulting with you, we can give you a realistic idea of your chances of getting a mortgage and how much you could borrow.
- Recommend the best mortgage product – As there is no one-size-fits-all in the mortgage market, we can use our experience to find you the most suitable deal.
- Communicate with lenders on your behalf – Typically, a broker should be your sole point of contact for your mortgage, dealing with lenders on your behalf, and guaranteeing your application is filled out correctly and on time.
- Advise you on security requirements – When buying a property, you must insure it. This gives lenders the peace of mind that you will be able to make payments even if something went wrong. As a broker, this is also something we can advise you on.
For more on what a mortgage broker does, check out our detailed guide.
What are the benefits of using a mortgage broker?
But why use a broker when all the information is available online? You can’t gain experience just by searching online, even though there is a lot of information available.
An experienced broker who knows the market well, will be able to make much more informed decisions for you, ensuring you get the most affordable and favourable deal.
So, what other benefits do you get from using a broker?
- We are impartial – 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.
- Access to the market – As whole of market mortgage brokers, we aren’t tied to any lenders, so we have access to hundreds if not thousands of products. Furthermore, our relationships and knowledge in the market provide access to unadvertised deals.
- We help you save time – Research can be time-consuming, especially if you are unsure of where to start. A broker will do all of this for you, saving you time.
- We know the right people to use – When looking for a Bad Credit or Right to Buy mortgage for example, there are specialist mortgage lenders that are only available through intermediaries. You may also need a solicitor or estate agent, which we will be able to help you with.
Read our in-depth guide on ‘What are the Advantages of Using a Mortgage Broker?
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