Business Details
Trusted Mortgage Brokers in Retford
The Official Mortgage has been providing expert mortgage and insurance advice for over 25 years, combining deep industry experience with a client-centric approach. As a whole-of-market broker directly authorised by the Financial Conduct Authority, we offer access to a comprehensive range of products from major high street lenders, specialist institutions, and building societies. Our team of experienced advisors tailors solutions to individual client needs, whether for first-time buyers, portfolio landlords, or commercial property investors.We prioritise transparency, offering one-to-one consultations and regular application updates while maintaining partnerships with leading insurers like Legal & General and Aviva. Our nationwide service extends to expatriate clients, ensuring competitive, bespoke mortgage and protection solutions backed by FCA-regulated compliance and a 100% referral-based client retention model.
Services
Remortgages
Buy To Let Mortgages
First Time Buyer Mortgages
Self Build Mortgages
Commercial Mortgages
Second Charge Mortgages
Expat Mortgages
Bridging Finance
Product Transfer
Life Insurance
Highlights and features
- We offer 25+ years of FCA-regulated mortgage expertise.
- Our whole-of-market brokerage ensures competitive product access.
- We provide tailored advice for first-time buyers to portfolio landlords.
- Our team includes specialists in expatriate and commercial mortgages.
- We maintain partnerships with leading insurers like Aviva and Royal London.
Associations and certifications
- Financial Conduct Authority
What people say
Amazing service
Highly recommend
Efficient and friendly
Stress-free process
Excellent communication
Services
Remortgages
Our remortgage service simplifies transitioning to a new deal, offering tailored advice and regular application updates. We help clients secure competitive rates while ensuring compliance with existing lender requirements. Our FCA-authorised team prioritises transparency, guiding clients through early repayment charges and market fluctuations to achieve optimal financial outcomes.
Buy To Let Mortgages
Specialist buy-to-let mortgages require nuanced understanding of property investment. We advise on tax implications, deposit requirements, and lender criteria while managing applications from submission to completion. Our expertise covers both standard and complex cases, ensuring landlords receive competitive terms aligned with their portfolio goals.
Commercial Mortgages
Commercial mortgages demand tailored solutions for business premises financing. We source competitive rates for purchase or refinancing, handling applications for offices, retail spaces, and industrial units. Our FCA-authorised advisors navigate complex lender criteria, ensuring terms align with business financial strategies and growth objectives.
Life Insurance
Our life insurance services provide financial security for clients' families and businesses. Partnering with market leaders like Aviva, we offer term life, critical illness, and income protection policies. Advisors ensure coverage matches individual circumstances, with seamless application processing and ongoing policy management support.
Expat Mortgages
Expat mortgage solutions cater to UK residents abroad or international buyers. We navigate unique lender requirements, currency considerations, and tax implications. Our team secures competitive rates for residential and investment properties, ensuring compliance with both UK and overseas regulations while simplifying the application process.
People
Tom Guest
Mortgage Advisor
With over 25 years' experience, Tom specialises in residential and commercial mortgages. Clients praise his expertise in complex cases, including buy-to-let portfolios and first-time purchases. He maintains FCA-authorised compliance while delivering tailored solutions.
Jason
Mortgage Advisor
Jason excels in first-time buyer mortgages and expatriate services. His approach combines market knowledge with stress-free guidance, evidenced by multiple five-star client testimonials. He also manages protection insurance placements alongside mortgage transactions.
Stacie
Office Manager
Stacie coordinates mortgage applications and client communications. Recognised for prompt responses and solicitor liaison, she ensures smooth transactions. Her organisational skills support advisors in maintaining the company's 100% referral-based client retention.
Questions
What types of mortgages do you offer?
We provide residential, buy-to-let, commercial, self-build, expatriate, and second-charge mortgages alongside bridging finance and product transfers.
Are you regulated by the Financial Conduct Authority?
Yes, we're directly authorised by the FCA (registration number 228706), ensuring compliance with strict regulatory standards for client protection.
Do you work with first-time buyers?
Absolutely. Our advisors specialise in guiding first-time buyers through the process, including help-to-buy schemes and suitable mortgage product selection.
Can you assist expatriates with UK mortgages?
Yes, we offer tailored expatriate mortgage solutions, handling unique requirements like overseas income verification and currency considerations for property purchases.
What insurance products do you provide?
We offer life insurance, income protection, and critical illness cover through partnerships with Aviva, Legal & General, and Royal London.
How do you charge for mortgage advice?
Our fees vary by product complexity. We provide transparent cost breakdowns upfront, with no hidden charges – typically covered by lender commissions or client payments.
