A Better Mortgage Experience

Let’s look at all your mortgage options to find the best one for you

Whatever Your Mortgage Needs…

Whether you’re still saving for a deposit, found a home that you want to buy or you want to remortgage for a better deal, we can look at all your options to find the best one for you.

Everyone’s circumstances are different. Whether it’s the kind of home you’re looking for, the size of your deposit or your paycheck, or debt that you’re still paying off, there is no one-size-fits-all approach to mortgages.

That’s why we take as long as we need to fully understand your unique set of circumstances so that we can find a mortgage that not only suits you best, but is the best rate the market can offer you.

We can also help manage your home purchase by liaising with your lender, solicitor and conveyancer, and even do all the paperwork for you.

The best part of it all is that our nationwide service is completely free to you, because it’s funded entirely by lender commissions.

Ready for a better mortgage experience?

How is our advice free?

By matching you with a suitable lender, we take the hard work of finding and assessing customers off their hands. In return for saving them time, labour, and advertising costs, the lender pays us a commission. 

You get a great deal without the hassle, the lender gets a new customer, and we get a commission for doing all the work – everybody wins!


We Can Help With…


First Time Buyers


Self-Employed Income


Bad Credit




Insurance & Protection


Exclusive Mortgage Deals


Low Deposit Options & Mortgage Schemes


Low Income Options


Help To Buy & LIFT Scheme

We’re all about advice, not sales, and it’s all about what’s in your best interest.
So if you have no need for it, we won’t recommend it.

Simple. Honest. Advice.

Free Nationwide Mortgage Advice

How does it work?







Speak To Us

Tell us about your circumstances and what you’re after, and we’ll tell you what’s possible.


Get An 'Agreement In Principle'

If you’re ready to move ahead, we’ll get you an Agreement in Principle with a lender that suits you.



Find Your Dream Home / Secure Your Dream Rate

Once you’ve found your dream property or wish to secure your dream rate, let us know and we’ll take care of the rest!

What our clients say…

Only positive things to say for Kevin he helped with my mortgage. Easy guy to get on with and made the whole process stress free. Would highly recommend Mortgage It.

Andrew C.


Having dealt with Kevin in his previous role, I was sure to go straight to him for my Mortgage and insurance requirements. Kevin is as honest as the day is long, as competitive as you could get and makes the whole process enjoyable. Happy to recommend Kevin and Mortgageit.

Mr Barrie


I contacted Kevin at Mortgageit as my fixed rate was coming to an end and i was looking for expert advice as to which product to choose,Kevin explained everything clearly and advised me which product would be best.Very impressed with the service provided and how quickly Kevin got me on to a new deal.Very professional and nothing was too much hassle…Would definitely reccomend to others.

Colin White



Frequently Asked Questions

How much can I borrow?

A general rule of thumb is that you can borrow up to 5.5 times your annual income after any deductions are taken into account.

Lenders generally work off affordability calculators where they look at your annual income and expenditure, including regular credit commitments like loans and car finance agreements, as well as take into account your deposit size, borrowing requirements and the number of applicants on the mortgage application.

For a more accurate estimate of your borrowing capacity, simply get in touch and we’ll be happy to help!


How much deposit do I need?

You need 5% of the purchase price or the value of the property, whichever is the lower of the two.

If you buy under the LIFT scheme in Scotland, it can be possible to buy a second-hand house without any deposit whatsoever. For further information, get in touch!

What if the property sale goes to a closing date and I end up paying more than it's valued at?

In today’s market, most properties are selling above valuation, particularly if a closing date is set.

In this case, you still need to have a minimum of a 5% deposit PLUS whatever you pay over and above the valuation.

For example, let’s say the property valuation is £100k and you make an offer of £105k. The lender will lend 95% of the lower of the two (£100k) so you will need £5k PLUS the £5k you offered over and above, therefore you would need a total deposit of £10k.

What if I have bad credit?

No problem – you either win or you learn with Mortgage It!

All too often we see clients turned away by other brokers and banks/building societies unnecessarily.

The appetite to lend to clients with an odd blip on their credit report is greater than ever, so our advice would be to get your free credit report here and send it to one of our advisers today. We’ll then talk you through what’s on it and tell you whether getting a mortgage just now is possible. And if not, we’ll provide you with advice on what you can do to help yourself get onto the property ladder sooner rather than later.

What if my partner is unemployed?

Not a problem. We can advise you on how much you would be able to borrow on just one income.

I've already made an offer, can you still help?

Absolutely. It’s never too late to secure a mortgage and get the keys to your dream property, though the quicker you inform us, the quicker we’ll get everything sorted for you!

How is your service free?

We’ve chosen not to charge any broker fees for our service as we get paid a fee by the mortgage and protection providers. All brokers get this fee paid to them, but many charge a broker fee to their customer in addition to this.

We don’t think charging broker fees is fair and have opted to make our service completely free to our clients.

You’ll also get full disclosure and transparency over any fees that will be paid to us before any application is submitted.

So while there may be fees associated with buying a home, you can rest assured you’ll never get a bill from us.

Ready for a better mortgage experience?

Tell us about your mortgage needs and we’ll tell you what’s possible

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