Business Details
Expert Mortgage Solutions for UK Homeowners
The Mortgage Store has established itself as a trusted partner in the mortgage industry, offering tailored solutions to meet diverse client needs. With a team of experienced professionals, we specialise in navigating the complexities of mortgage products, ensuring clients secure the most suitable deals. Our commitment to exceptional service is reflected in our 5-star ratings and partnerships with legal and insurance providers to streamline the home-buying process. We pride ourselves on transparency, offering free initial consultations and maintaining accountability through our in-house conveyancing services. Our expertise spans first-time buyer mortgages, remortgaging, buy-to-let schemes, and specialist products for self-employed individuals.By combining industry knowledge with a client-centric approach, we aim to make the mortgage process smooth and accessible. Our association with Evolve Law enhances legal support, while our collaboration with Uinsure provides comprehensive insurance options. We actively support community initiatives, including partnerships with charities like Seashell Trust. Our advisers undergo rigorous training to maintain high standards of professionalism and regulatory compliance. With offices in St Albans and Milton Keynes, we serve clients nationwide, leveraging technology to facilitate remote consultations and document management.
Services
First Time Buyer Mortgages
Remortgaging
Buy to Let
Self-Employed Mortgages
New Build Purchases
Equity Release
Bridging Finance
Commercial Mortgages
Insurance Services
Conveyancing
Highlights and features
- We offer FCA-regulated mortgage advice with nationwide coverage
- Our 5-star rated service includes in-house conveyancing support
- Specialist expertise in self-employed mortgage applications
- Partnerships with legal and insurance providers for integrated solutions
- Charitable initiatives demonstrate community commitment through Seashell Trust
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Knowledgeable advisers
Smooth process
Competitive rates
Professional support
Services
First Time Buyer Mortgages
Tailored mortgage solutions for first-time purchasers navigating the property market. Our advisers specialise in Help to Buy schemes, shared ownership options, and low-deposit products. We provide comprehensive guidance through the entire process from initial application to completion, ensuring clients understand all available government schemes and lender-specific requirements while securing competitive rates suited to their financial circumstances.
Remortgaging
Expert assistance for homeowners seeking better mortgage terms. We specialise in remortgaging for debt consolidation, home improvements, and rate transfers. Our team analyses current deals against market offerings, manages early repayment charges, and ensures seamless transitions while advising on optimal timing for product changes to maximise financial benefits.
Self-Employed Mortgages
Specialist mortgage arrangements for non-traditional income structures. We handle applications requiring 1-2 years' accounts, limited company director submissions, and complex income verification. Our advisers understand unique documentation requirements and maintain relationships with lenders accommodating variable income patterns, ensuring competitive rates for self-employed applicants.
Buy to Let Mortgages
Comprehensive financing solutions for property investors. Our specialists offer portfolio management strategies, tax-efficient structuring advice, and competitive rate comparisons. We provide guidance on landlord insurance, cash flow projections, and regulatory requirements while maintaining relationships with lenders specialising in multi-property portfolios and high-net-worth investor needs.
New Build Mortgages
Dedicated support for purchasing newly constructed properties. We specialise in Deposit Unlock schemes, shared ownership options for new builds, and developer incentive negotiations. Our team understands unique new build lending criteria, manages Help to Buy arrangements, and provides guidance on warranty requirements and construction timelines to ensure smooth transactions.
People
Mathew Garner
CEO
With extensive industry experience, Mathew leads our strategic direction while maintaining active client advisory roles. He oversees operational excellence across all departments.
Jon Deane
Director
Jon brings over 15 years' mortgage sector experience, focusing on business development and client relationship management across our regional offices.
Warren Morris
Partner
Warren specialises in new build mortgages, leveraging his technical expertise from developing BS5750 procedures to enhance our quality standards.
Gary Clarke
New Build Account Manager
Gary manages new build relationships with developers, utilising his multi-national perspective to support clients across our key markets.
Tracy Kavanagh
Equity Release Adviser
Tracy combines military discipline with financial expertise to provide tailored equity release solutions, focusing on client protection needs.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages including Help to Buy schemes, shared ownership options, and competitive fixed-rate deals with low deposit requirements.
Can self-employed individuals get mortgage assistance?
Yes, our specialists handle self-employed mortgages requiring 1-2 years' accounts, limited company director applications, and complex income structures.
Do you provide remortgaging services?
We offer comprehensive remortgaging solutions for debt consolidation, home improvements, and rate transfers with expert guidance through product expiry periods.
Are there buy-to-let mortgage options?
Our buy-to-let specialists provide competitive landlord mortgages with portfolio management options and tax-efficient structuring advice.
What insurance products do you offer?
We provide life insurance, critical illness cover, and income protection policies through our partnership with award-winning provider Uinsure.
Do you handle new build property mortgages?
Yes, our New Build team specialises in Deposit Unlock schemes, self-employed new build mortgages, and shared ownership options for new properties.
