# The Mortgage Centres


## Pages

- [Right to Buy mortgages](https://www.themortgagecentres.co.uk/mortgages/right-to-buy/)
- [Shared Ownership mortgages](https://www.themortgagecentres.co.uk/mortgages/shared-ownership/shared-ownership-mortgages-2/)
- [Equity release mortgages](https://www.themortgagecentres.co.uk/mortgages/equity-release/equity-release-mortgages/)
- [Content Credibility and Vetting Policy](https://www.themortgagecentres.co.uk/about/editorial-policy/)
- [Remortgage guide](https://www.themortgagecentres.co.uk/mortgages/remortgage/guide/)
- [Right to Buy mortgage guide](https://www.themortgagecentres.co.uk/mortgages/right-to-buy/guide/)
- [Skilled Worker visa mortgages](https://www.themortgagecentres.co.uk/mortgages/skilled-workers/guide/)
- [Self-employed mortgage guide](https://www.themortgagecentres.co.uk/mortgages/self-employed/guide/)
- [First-time buyer mortgages](https://www.themortgagecentres.co.uk/mortgages/first-time-buyers/guide/)
- [Buy-to-let mortgage guide](https://www.themortgagecentres.co.uk/mortgages/buy-to-let/guide/)
- [Bad Credit Mortgage Guide](https://www.themortgagecentres.co.uk/mortgages/bad-credit/guide/)
- [Expat Buy-to-Let Mortgages](https://www.themortgagecentres.co.uk/mortgages/buy-to-let/expat-buy-to-let/)
- [Second Home Mortgages](https://www.themortgagecentres.co.uk/mortgages/second-home/)
- [Joint Mortgages](https://www.themortgagecentres.co.uk/mortgages/joint/)
- [Understanding mortgage types and interest rates](https://www.themortgagecentres.co.uk/mortgage-affordability/mortgage-rate-types/)
- [What credit score do you need for a mortgage?](https://www.themortgagecentres.co.uk/mortgage-applications/what-credit-score-is-needed-to-get-a-mortgage/)
- [High Net Worth Mortgages](https://www.themortgagecentres.co.uk/mortgages/high-net-worth/)
- [Downloads](https://www.themortgagecentres.co.uk/downloads/)
- [Loans](https://www.themortgagecentres.co.uk/loans/)
- [Remortgage Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/remortgage/)
- [Secured Loans for Debt Consolidation](https://www.themortgagecentres.co.uk/loans/secured/debt-consolidation/)
- [Secured Loans for Home Improvements](https://www.themortgagecentres.co.uk/loans/secured/home-improvements/)
- [What is porting a mortgage?](https://www.themortgagecentres.co.uk/mortgages/home-mover/porting/)
- [Getting a mortgage 7 times your salary](https://www.themortgagecentres.co.uk/mortgage-affordability/7x-salary-mortgage/)
- [What is a Joint Borrower, Sole Proprietor mortgage?](https://www.themortgagecentres.co.uk/mortgage-affordability/jbsp-mortgages/)
- [Mortgage repayments on £200k](https://www.themortgagecentres.co.uk/mortgage-affordability/mortgage-repayments-on-200k/)
- [Repayments on a £150,000 mortgage](https://www.themortgagecentres.co.uk/mortgage-affordability/repayments-on-a-150000-mortgage/)
- [How much mortgage can I get on my salary?](https://www.themortgagecentres.co.uk/mortgage-affordability/what-mortgage-can-i-get-on-my-salary/)
- [What stops you getting a mortgage?](https://www.themortgagecentres.co.uk/mortgage-affordability/what-stops-you-getting-a-mortgage/)
- [Mortgage Applications](https://www.themortgagecentres.co.uk/mortgage-applications/)
- [Bank statements for mortgages](https://www.themortgagecentres.co.uk/mortgage-applications/bank-statements/)
- [The mortgage application process](https://www.themortgagecentres.co.uk/mortgage-applications/mortgage-application-process/)
- [What does a mortgage broker do?](https://www.themortgagecentres.co.uk/mortgage-applications/what-does-a-mortgage-broker-do/)
- [Longest Mortgage Terms UK](https://www.themortgagecentres.co.uk/mortgage-affordability/longest-mortgage-terms/)
- [Guarantor Mortgages](https://www.themortgagecentres.co.uk/mortgage-applications/guarantors/)
- [Mortgage deposits](https://www.themortgagecentres.co.uk/mortgage-applications/mortgage-deposits/)
- [What documents do I need for a mortgage?](https://www.themortgagecentres.co.uk/mortgage-applications/mortgage-documents/)
- [Mortgage Affordability](https://www.themortgagecentres.co.uk/mortgage-affordability/)
- [Low Income Mortgages](https://www.themortgagecentres.co.uk/mortgage-affordability/low-income-mortgage/)
- [What to do if you can't afford a mortgage](https://www.themortgagecentres.co.uk/mortgage-affordability/what-to-do-if-you-cant-afford-a-mortgage/)
- [Frequently Asked Questions](https://www.themortgagecentres.co.uk/faqs/)
- [London Mortgage Centre](https://www.themortgagecentres.co.uk/branches/london/)
- [Critical Illness Cover](https://www.themortgagecentres.co.uk/insurance/critical-illness-cover/)
- [Life Assurance](https://www.themortgagecentres.co.uk/insurance/life-assurance/)
- [Building & Contents Insurance](https://www.themortgagecentres.co.uk/insurance/building-and-contents/)
- [Mortgage Repayment Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/repayments/)
- [Shared Ownership Mortgage Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/shared-ownership/)
- [Privacy Policy](https://www.themortgagecentres.co.uk/privacy-policy/)
- [Homepage](https://www.themortgagecentres.co.uk/)
- [Mortgages](https://www.themortgagecentres.co.uk/mortgages/)
- [Buy-to-Let Mortgage Brokers](https://www.themortgagecentres.co.uk/mortgages/buy-to-let/)
- [About The Mortgage Centres](https://www.themortgagecentres.co.uk/about/)
- [Branches](https://www.themortgagecentres.co.uk/branches/)
- [Mortgage Calculators](https://www.themortgagecentres.co.uk/mortgage-calculators/)
- [Bad Credit Mortgage Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/bad-credit/)
- [Birmingham Mortgage Centre](https://www.themortgagecentres.co.uk/branches/birmingham/)
- [Buy-to-Let Mortgage Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/buy-to-let/)
- [Bournemouth Mortgage Centre](https://www.themortgagecentres.co.uk/branches/bournemouth/)
- [Equity Release Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/equity-release/)
- [Mortgage Affordability Calculator](https://www.themortgagecentres.co.uk/mortgage-calculators/affordability/)
- [Braintree Mortgage Centre](https://www.themortgagecentres.co.uk/branches/braintree/)
- [Brighton Mortgage Centre](https://www.themortgagecentres.co.uk/branches/brighton/)
- [Bristol Mortgage Centre](https://www.themortgagecentres.co.uk/branches/bristol/)
- [Cambridge Mortgage Centre](https://www.themortgagecentres.co.uk/branches/cambridge/)
- [Chelmsford Mortgage Centre](https://www.themortgagecentres.co.uk/branches/chelmsford/)
- [Colchester Mortgage Centre](https://www.themortgagecentres.co.uk/branches/colchester/)
- [Diss Mortgage Centre](https://www.themortgagecentres.co.uk/branches/diss/)
- [Gloucester Mortgage Centre](https://www.themortgagecentres.co.uk/branches/gloucester/)
- [Great Yarmouth Mortgage Centre](https://www.themortgagecentres.co.uk/branches/great-yarmouth/)
- [King's Lynn Mortgage Centre](https://www.themortgagecentres.co.uk/branches/kings-lynn/)
- [Leeds Mortgage Centre](https://www.themortgagecentres.co.uk/branches/leeds/)
- [Leicester Mortgage Centre](https://www.themortgagecentres.co.uk/branches/leicester/)
- [Leiston Mortgage Centre](https://www.themortgagecentres.co.uk/branches/leiston/)
- [Liverpool Mortgage Centre](https://www.themortgagecentres.co.uk/branches/liverpool/)
- [Lowestoft Mortgage Centre](https://www.themortgagecentres.co.uk/branches/lowestoft/)
- [Luton Mortgage Centre](https://www.themortgagecentres.co.uk/branches/luton/)
- [Manchester Mortgage Centre](https://www.themortgagecentres.co.uk/branches/manchester/)
- [Milton Keynes Mortgage Centre](https://www.themortgagecentres.co.uk/branches/milton-keynes/)
- [Needham Mortgage Centre](https://www.themortgagecentres.co.uk/branches/needham/)
- [Newcastle Mortgage Centre](https://www.themortgagecentres.co.uk/branches/newcastle/)
- [Northampton Mortgage Centre](https://www.themortgagecentres.co.uk/branches/northampton/)
- [Norwich Mortgage Centre](https://www.themortgagecentres.co.uk/branches/norwich/)
- [Nottingham Mortgage Centre](https://www.themortgagecentres.co.uk/branches/nottingham/)
- [Oxford Mortgage Centre](https://www.themortgagecentres.co.uk/branches/oxford/)
- [Peterborough Mortgage Centre](https://www.themortgagecentres.co.uk/branches/peterborough/)
- [Portsmouth Mortgage Centre](https://www.themortgagecentres.co.uk/branches/portsmouth/)
- [Reading Mortgage Centre](https://www.themortgagecentres.co.uk/branches/reading/)
- [Sheffield Mortgage Centre](https://www.themortgagecentres.co.uk/branches/sheffield/)
- [Slough Mortgage Centre](https://www.themortgagecentres.co.uk/branches/slough/)
- [Solihull Mortgage Centre](https://www.themortgagecentres.co.uk/branches/solihull/)
- [Southampton Mortgage Centre](https://www.themortgagecentres.co.uk/branches/southampton/)
- [Sudbury Mortgage Centre](https://www.themortgagecentres.co.uk/branches/sudbury/)
- [Thetford Mortgage Centre](https://www.themortgagecentres.co.uk/branches/thetford/)
- [Watford Mortgage Centre](https://www.themortgagecentres.co.uk/branches/watford/)
- [Woodbridge Mortgage Centre](https://www.themortgagecentres.co.uk/branches/woodbridge/)
- [Contact](https://www.themortgagecentres.co.uk/contact/)
- [Insurance to Suit You](https://www.themortgagecentres.co.uk/insurance/)
- [Income Protection Insurance](https://www.themortgagecentres.co.uk/insurance/income-protection/)
- [Bad Credit Mortgage Brokers](https://www.themortgagecentres.co.uk/mortgages/bad-credit/)
- [Mortgage with defaults](https://www.themortgagecentres.co.uk/mortgages/bad-credit/defaults/)
- [Mortgage with late payments](https://www.themortgagecentres.co.uk/mortgages/bad-credit/late-payments/)


## Posts



## Team Member

- [Ryan Spurgeon](https://www.themortgagecentres.co.uk/team-member/ryan-spurgeon/)
- [Edward Griss](https://www.themortgagecentres.co.uk/team-member/edward-griss/)
- [Chloe Warnes](https://www.themortgagecentres.co.uk/team-member/chloe-warnes/)
- [Elliott Ferguson](https://www.themortgagecentres.co.uk/team-member/elliott-ferguson/)
- [Jack Mrozek](https://www.themortgagecentres.co.uk/team-member/jack-mrozek/)
- [Jessie Reynolds](https://www.themortgagecentres.co.uk/team-member/jessie-reynolds/)
- [Joe Gillon](https://www.themortgagecentres.co.uk/team-member/joe-gillon/)
- [Jordan Gardiner](https://www.themortgagecentres.co.uk/team-member/jordan-gardiner/)
- [Mark Phillips](https://www.themortgagecentres.co.uk/team-member/mark-phillips/)
- [Niki Batley](https://www.themortgagecentres.co.uk/team-member/niki-batley/)
- [William Holden](https://www.themortgagecentres.co.uk/team-member/william-holden/)
- [Thomas Hobin](https://www.themortgagecentres.co.uk/team-member/thomas-hobin/)
- [Suzanne Warnes](https://www.themortgagecentres.co.uk/team-member/suzanne-warnes/)
- [Sarah-Louise Chittock](https://www.themortgagecentres.co.uk/team-member/sarah-louise-chittock/)
- [Rana Miah](https://www.themortgagecentres.co.uk/team-member/rana-miah/)
- [Rachel Woodward](https://www.themortgagecentres.co.uk/team-member/rachel-woodward/)
- [Phil Scott](https://www.themortgagecentres.co.uk/team-member/phil-scott/)
- [Matthew Mann](https://www.themortgagecentres.co.uk/team-member/matthew-mann/)
- [Matthew Bendell](https://www.themortgagecentres.co.uk/team-member/matthew-bendell/)
- [John Pollard](https://www.themortgagecentres.co.uk/team-member/john-pollard/)
- [James Rice](https://www.themortgagecentres.co.uk/team-member/james-rice/)
- [Iain Rudd](https://www.themortgagecentres.co.uk/team-member/iain-rudd/)
- [Graham Storey](https://www.themortgagecentres.co.uk/team-member/graham-storey/)
- [David Marcer](https://www.themortgagecentres.co.uk/team-member/david-marcer/)
- [Rebecca Downie](https://www.themortgagecentres.co.uk/team-member/rebecca-downie/)
- [Mark Gardiner](https://www.themortgagecentres.co.uk/team-member/mark-gardiner/)
- [Nicholas Johnson](https://www.themortgagecentres.co.uk/team-member/nicholas-johnson/)
- [Ashley Sargent](https://www.themortgagecentres.co.uk/team-member/ashley-sargent/)
- [Ciaran Smith](https://www.themortgagecentres.co.uk/team-member/ciaran-smith/)
- [Carl Shave](https://www.themortgagecentres.co.uk/team-member/carl-shave/)
- [Calvin Liles](https://www.themortgagecentres.co.uk/team-member/calvin-liles/)
- [Alison Mark](https://www.themortgagecentres.co.uk/team-member/alison-mark/)
- [Clare Smith](https://www.themortgagecentres.co.uk/team-member/clare-smith/)
- [Emily Scott](https://www.themortgagecentres.co.uk/team-member/emily-scott/)


## Case Study

- [Buy-to-Let Refurbishment & Rapid Equity Release](https://www.themortgagecentres.co.uk/case-studies/buy-to-let-refurbishment-rapid-equity-release/)
- [Limited Company Buy-to-Let Mortgages: Low Value & Corporate Let Success](https://www.themortgagecentres.co.uk/case-studies/btl-mortgage-housing-association-lease/)
- [First-time buyer success with 1 year of accounts](https://www.themortgagecentres.co.uk/case-studies/1-year-accounts-ftb-success/)
- [Home move success with 18 months of trading](https://www.themortgagecentres.co.uk/case-studies/home-move-1-year-accounts/)
- [Navigating Complex Income for a Dream Home Purchase](https://www.themortgagecentres.co.uk/case-studies/navigating-complex-income-for-a-dream-home-purchase/)
- [Shared Ownership Remortgage & Capital Raise](https://www.themortgagecentres.co.uk/case-studies/shared-ownership-remortgage-capital-raise/)
- [Tier 2 Visa First-Time Buyer Success](https://www.themortgagecentres.co.uk/case-studies/tier-2-visa-first-time-buyer-success/)
- [First-Time Buyers Secure Mortgage Despite Recent Default](https://www.themortgagecentres.co.uk/case-studies/first-time-buyers-secure-mortgage-despite-recent-default/)
- [Achieving a High Street Mortgage with a Default Barrier](https://www.themortgagecentres.co.uk/case-studies/high-street-mortgage-with-default/)
- [Getting a Mortgage with 95% LTV and Unsettled Defaults](https://www.themortgagecentres.co.uk/case-studies/getting-a-mortgage-with-95-ltv-and-unsettled-defaults/)
- [Getting a mortgage with Adverse Credit, Gifted Deposit & Maternity Pay](https://www.themortgagecentres.co.uk/case-studies/getting-a-mortgage-with-adverse-credit-gifted-deposit-maternity-pay/)


## Guides

- [The Ultimate Moving Home Checklist](https://www.themortgagecentres.co.uk/mortgage-guides/moving-house-checklist/)
- [How to Improve Your Credit Score](https://www.themortgagecentres.co.uk/mortgage-guides/how-to-improve-your-credit-score/)
- [Gifted Deposits](https://www.themortgagecentres.co.uk/mortgage-guides/gifted-deposits/)
- [Don’t Wait To Downsize Your Home When There Could Be Significant Advantages](https://www.themortgagecentres.co.uk/mortgage-guides/downsizing-your-home/)
- [A guide to Checkmyfile – the multi-agency credit report](https://www.themortgagecentres.co.uk/mortgage-guides/checkmyfile/)
- [How To Get Out Of A Fixed Rate Mortgage Early](https://www.themortgagecentres.co.uk/mortgage-guides/get-out-of-a-fixed-rate-early/)
- [Getting A Mortgage with BM Solutions](https://www.themortgagecentres.co.uk/mortgage-guides/bm-solutions-mortgages/)
- [A Guide to Stamp Duty for Homebuyers](https://www.themortgagecentres.co.uk/mortgage-guides/stamp-duty/)
- [Guide to the Tenant Fees Act 2019](https://www.themortgagecentres.co.uk/mortgage-guides/tenant-fees-act-2019/)
- [A Guide to Housing & Living in Norwich](https://www.themortgagecentres.co.uk/mortgage-guides/living-in-norwich/)
- [HMO Licensing Changes: What Do They Mean for Property Owners?](https://www.themortgagecentres.co.uk/mortgage-guides/hmo-licensing/)
- [What are the Advantages of Using a Mortgage Broker?](https://www.themortgagecentres.co.uk/mortgage-guides/advantages-using-mortgage-broker/)
- [How Does Commercial Finance Work?](https://www.themortgagecentres.co.uk/mortgage-guides/commercial-finance-work/)
- [Commercial Loans Explained](https://www.themortgagecentres.co.uk/mortgage-guides/commercial-loans-explained/)
- [What Should You Look for in a Headline Rate?](https://www.themortgagecentres.co.uk/mortgage-guides/look-headline-rate/)
- [How is Mortgage Affordability Calculated?](https://www.themortgagecentres.co.uk/mortgage-guides/mortgage-affordability-calculated/)
- [What is Life Assurance?](https://www.themortgagecentres.co.uk/mortgage-guides/what-is-life-assurance/)
- [Is My House Part Of My Pension?](https://www.themortgagecentres.co.uk/mortgage-guides/house-part-pension/)
- [Understanding Mortgage Types – The Basics](https://www.themortgagecentres.co.uk/mortgage-guides/understanding-mortgages-basics/)
- [How To Grow An Emergency Fund](https://www.themortgagecentres.co.uk/mortgage-guides/how-to-grow-an-emergency-fund/)

#
# Detailed Content


## Pages



## Posts



## Team Member



## Case Study



## Guides

> How to Improve Your Credit Score with our easy steps. Create a good credit history. Deal with the basics. Put right any issues.

- Published: 2024-05-20
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/how-to-improve-your-credit-score/

> A gifted deposit is a cash gift given with the intention of being used for a mortgage deposit, they are commonly gifted by close relatives or friends.

- Published: 2023-11-02
- Modified: 2025-08-18
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/gifted-deposits/

> With the rising cost of living to don't wait to explore the potential advantages of downsizing to a smaller home.

- Published: 2023-01-10
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/downsizing-your-home/

> We have made a useful guide to help you use Checkmyfile so you can find out your credit score and review your report.

- Published: 2023-01-09
- Modified: 2025-08-18
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/checkmyfile/

> A fixed-rate mortgage might be for you, but there may be a better alternative. Here are some reasons for getting out early.

- Published: 2023-01-09
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/get-out-of-a-fixed-rate-early/

> BM Solutions BTL mortgages are only available via approved brokers. Find out why and how we can help you get a mortgage.

- Published: 2023-01-09
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/bm-solutions-mortgages/

> Stamp duty is a one-off tax paid on properties purchased in England and Northern Ireland. Here, we cover the essentials of stamp duty for all homeowners.

- Published: 2019-07-26
- Modified: 2024-11-29
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/stamp-duty/

> The Tenant Fees Act 2019 came into effect on 1 June. Here, The Mortgage Centres outline what the new legislation will mean for both tenants and landlords.

- Published: 2019-06-25
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/tenant-fees-act-2019/

> Our guide to housing and living in Norwich, including details of the latest eco-friendly housing developments, and what to expect living in the city.

- Published: 2019-06-17
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/living-in-norwich/

> It has been reported that 2 West Suffolk councils have written to more than 70 landlords to advise them that HMOs will be subject to mandatory licensing.

- Published: 2018-07-10
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/hmo-licensing/

> You might think, with the Internet at your fingertips, that you don’t need a mortgage broker. But with the sheer amount of products available, and some deals

- Published: 2017-12-13
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/advantages-using-mortgage-broker/

> Commercial finance is the catchall term for a huge range of different finance products designed specifically for businesses. In essence, commercial finance

- Published: 2017-12-13
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/commercial-finance-work/

> No matter what we might think of the banks, there are times when a little external finance can go a long way. Thankfully, there is a diverse range of

- Published: 2017-12-13
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/commercial-loans-explained/

> What gets your attention the instant you look into mortgage deal? The headline interest rate, of course. But does it tell the whole story? Unfortunately not.

- Published: 2017-12-13
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/look-headline-rate/

> Calculating the amount you are able to borrow is an essential part of the mortgage process. Understand your borrowing power.

- Published: 2017-12-13
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/mortgage-affordability-calculated/

> Contemplating our own mortality is probably not the most pleasant way to spend an hour or so of our time. However, the reality is that life assurance could be

- Published: 2017-12-08
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/what-is-life-assurance/

> It used to be that taking out Equity Release was a last resort for people wanting to raise money in retirement - in fact, there was a sort of stigma attached

- Published: 2017-12-01
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/house-part-pension/

> A mortgage is the biggest financial commitment the majority of us will ever make, so it’s essential, when the time comes, that you have a firm grasp of the

- Published: 2017-12-01
- Modified: 2025-11-05
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/understanding-mortgages-basics/

> Heavens' above! The boiler's gone kaput, the dog has a hernia and your little darling has outgrow his school uniform. You need an emergency fund, fast.

- Published: 2014-04-18
- Modified: 2024-10-10
- URL: https://www.themortgagecentres.co.uk/mortgage-guides/how-to-grow-an-emergency-fund/