Business Details
21 Years
experience
Your Trusted Partner for Mortgage Solutions in the UK
Established in 2005, The Mortgage Broker is an independent, FCA-regulated mortgage advisory service dedicated to providing tailored financial solutions across the UK. With access to over 25,000 mortgage products from 130+ lenders, we specialise in first-time buyer mortgages, remortgaging, buy-to-let financing, and complex cases including bad credit and self-employed income assessments. Our CeMAP-qualified team prioritises digital efficiency combined with personal expertise, offering free no-obligation advice, same-day mortgage-in-principle decisions, and ongoing support through to property completion.Recognised for excellence through industry awards and 2,500+ five-star reviews, we focus on transparent fee structures, protection insurance integration, and 24/7 mortgage monitoring. Our nationwide coverage extends to London, Bedfordshire, and beyond, serving both residential and commercial clients with a commitment to regulatory compliance and customer-centric outcomes.
Services
First Time Buyer Mortgages
Remortgage Deals
Buy to Let Mortgages
Bad Credit Mortgages
Self-Employed Mortgages
Details
- Year established: 2005
Highlights and features
- Free, no-obligation advice with no impact on credit scores
- Access to 25,000+ mortgage products from 130+ lenders
- CeMAP-qualified specialists for complex cases (bad credit, self-employed)
- Transparent fee structure with average costs below industry standards
- 24/7 mortgage monitoring and post-completion support
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Professional, knowledgeable, helpful
Fast, clear, bespoke advice
Award-winning service
Transparent fees
Expert support for complex cases
Services
First Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers, including affordability checks, deposit planning, and government scheme guidance. We explain stamp duty exemptions, help secure competitive rates, and provide mortgage-in-principle support to strengthen property offers. Our specialists simplify the process from initial application to completion.
Remortgage Deals
Expert remortgaging advice to reduce rates, consolidate debt, or fund home improvements. We compare product transfers against 130+ lenders, assess early repayment charges, and monitor market fluctuations to time optimal switches while maintaining regulatory compliance.
Buy to Let Mortgages
Specialist buy-to-let financing for single properties or portfolios, covering limited company structures, stress tests, and tax implications. We advise on rental income assessments, deposit requirements, and lender-specific criteria to maximise investment returns.
Bad Credit Mortgages
Mortgage solutions for clients with CCJs, defaults, or IVAs. Our specialists review credit histories, identify lenders with flexible criteria, and provide actionable steps to strengthen applications while ensuring transparent affordability assessments.
Self-Employed Mortgages
Tailored mortgages for self-employed individuals, contractors, and limited company directors. We demonstrate income using SA302s, accounts, and dividend histories to meet lender affordability models, including complex income structures and high-net-worth cases.
People
Jodi Spreadbury
Award-winning Mortgage & Protection Adviser
CeMAP-qualified mortgage expert with specialist knowledge in remortgaging strategies and protection insurance integration. Recognised for exceptional client support and market analysis expertise.
John Noakes
Mortgage Advisor
Experienced advisor specialising in first-time buyer mortgages and new build property financing. Provides clear guidance on affordability, deposits, and lender-specific requirements.
Adrian Perch
Qualified Mortgage & Protection Adviser
Former estate agent with deep insights into property market challenges. Focuses on mortgage readiness assessments and preventing sale collapses due to financing delays.
Questions
What mortgage types do you offer?
We provide fixed-rate, tracker, variable, interest-only, and offset mortgages for residential, buy-to-let, and commercial properties.
Can I remortgage with bad credit?
Yes. We work with specialist lenders offering remortgage products for clients with CCJs, defaults, or IVAs, ensuring transparent affordability assessments.
How much can I borrow for a mortgage?
Borrowing capacity depends on income, commitments, and credit profile. We conduct free affordability checks across lenders to determine realistic ranges.
Do you charge fees for mortgage advice?
Our initial advice is free. We charge a transparent success fee (average £294) only if we secure a mortgage offer, with no hidden costs.
How quickly can I get a mortgage in principle?
We provide soft-search mortgage-in-principle decisions within 15 minutes, with no impact on credit scores and full lender panel access.
Can self-employed individuals get mortgages?
Yes. We specialise in self-employed mortgages using SA302s, accounts, and dividend histories to demonstrate affordability to lenders.
