Mortgage Force

Business Details

27 Years

experience

Expert Mortgage Brokers in London

Mortgage Force has been helping clients navigate the mortgage market for over 26 years. As an award-winning company with a strong national presence, our team of experienced brokers operates across the UK, offering tailored advice to first-time buyers, landlords, and commercial clients. We pride ourselves on a client-focused approach, combining diverse perspectives and specialist knowledge to deliver smart, personalised mortgage solutions. Our brokers bring extensive expertise in various mortgage areas, ensuring clients receive guidance that fits their unique circumstances.

With offices throughout the UK, we provide face-to-face support and a commitment to simplifying the mortgage process, saving clients time and money. Established in 1999, we remain dedicated to acting in consumers' interests while maintaining regulatory compliance through our FCA authorisation (number 843041).

Services

First Time Buyer Mortgages Buy to Let Mortgages Remortgage Services Adverse Credit Mortgages Debt Consolidation Mortgages Low Deposit Mortgages Self-Build Mortgages Tracker Rate Mortgages Family Mortgages Fixed Rate Mortgages

Details

Year established: 1999

Highlights and features

We have over 26 years of experience in mortgage broking.
Our nationwide presence ensures local expertise across the UK.
Award-winning client-focused approach with personalised solutions.
FCA regulated for compliance and consumer protection.
Specialist knowledge in complex mortgage scenarios.

Associations and certifications

Financial Conduct Authority

What people say

Incredible service Saved us time Personal approach Resolved lender issues Trusted for 20 years

Website

Update Listing

Services

First Time Buyer Mortgages

First Time Buyer Mortgages help new homeowners purchase their initial property with tailored deposit options and competitive rates. We guide clients through eligibility criteria, government schemes, and lender requirements. Our brokers simplify the process by comparing deals and ensuring affordability assessments align with individual financial circumstances.

Buy to Let Mortgages

Buy to Let Mortgages cater to landlords seeking rental income through property investments. Our experts assess portfolio strategies, rental yield calculations, and lender-specific criteria. We provide access to specialist products with flexible terms, ensuring clients maximise returns while managing risks associated with property lettings.

Remortgage Services

Remortgage Services help homeowners switch lenders or renegotiate terms on their existing property. We analyse market rates, equity positions, and exit fees to identify cost-saving opportunities. Our process includes credit checks, valuation support, and seamless transition guidance to secure better rates or release capital.

Adverse Credit Mortgages

Adverse Credit Mortgages assist clients with imperfect financial histories in securing property financing. We work with niche lenders offering flexible underwriting standards, considering mitigating factors and repayment improvements. Our brokers build tailored applications highlighting clients' current financial stability despite past credit challenges.

Debt Consolidation Mortgages

Debt Consolidation Mortgages combine multiple debts into a single property-backed loan with lower interest rates. We evaluate clients' liabilities, equity positions, and affordability to structure sustainable repayment plans. This service reduces monthly outgoings while ensuring responsible borrowing practices aligned with long-term financial goals.

People

Kevin

Managing Director

With a career spanning major firms like NatWest and Savills, Kevin has led four mortgage industry businesses as MD. His expertise in market dynamics and regulatory frameworks drives strategic direction at Mortgage Force.

Walter

Technical Director

A mortgage industry veteran since 1983, Walter combines legal expertise with operational leadership. His 40-year career includes senior roles at John Charcol and FCA-regulated entities, ensuring technical excellence in mortgage product structuring.

Suzanne

Compliance Officer

With 35 years in financial services, including Nationwide Building Society, Suzanne oversees compliance. Her experience in mortgage underwriting and regulatory adherence ensures client protection and FCA compliance across all transactions.

Ricki

Director / Mortgage Adviser

Joining in 2016, Ricki became Director in 2021. Her client-centric approach and deep understanding of mortgage regulations have expanded our advisory services, particularly in complex protection and insurance integration.

Michelle Barraclough

Mortgage Adviser

A trusted advisor for over 15 years, Michelle specialises in first-time buyer mortgages and portfolio management. Her personal approach and 20-year tenure with clients demonstrate Mortgage Force's commitment to long-term relationships.

Questions

What mortgage options exist for first-time buyers?

First-time buyers can access 5% deposit schemes, government-backed Help to Buy loans, and specialist lenders offering flexible affordability criteria. Our brokers compare all options to find the best fit.

Can I remortgage with bad credit?

Yes, we work with lenders offering adverse credit mortgages. Success depends on current financial stability, equity levels, and mitigating circumstances explaining past credit issues.

How do buy-to-let mortgages differ from standard loans?

Buy-to-let mortgages require higher deposits (typically 25%+), assess rental income coverage ratios, and often have slightly higher interest rates. We help structure applications meeting lender-specific criteria.

What protection plans should I consider with a mortgage?

We recommend life insurance to cover mortgage debt, critical illness cover for major health events, and income protection for long-term sickness. These plans safeguard your home against unforeseen circumstances.

How much does mortgage advice cost?

Our fee is up to 1% of the loan amount (minimum £495), disclosed upfront. Many clients recover costs through better mortgage rates and savings on protection plans we arrange.

Can overseas buyers get UK mortgages?

Yes, we arrange mortgages for international clients, including non-residents and expats. Solutions consider foreign income verification, tax structures, and lender-specific requirements for overseas applicants.