FCA-Regulated Mortgage & Protection Advice

Make your next property decision a better one.

Mortgages, property intelligence and protection, backed by real advisers when you need them.

What are you here to do?

My mortgage deal is ending

Understand your current position, when to remortgage and what is happening to mortgage rates.

Check my remortgage position

I'm buying a property

Work out your budget or analyse a property you've found with Sienna Property Intelligence®.

Help me buy smarter

I'm a landlord or property investor

Explore BTL, limited-company, portfolio and refinancing options.

Explore investor options

I want to protect my mortgage or family

Life cover, critical illness and income protection through Insurance Genie.

Free protection review

4.5Trustpilot (181 reviews)

FCA Regulated

90+ UK lenders

Or chat on WhatsApp

Why use a broker?

We don't just compare rates — we reduce uncertainty.

The biggest worry for most borrowers isn't the rate — it's "what if I get rejected?" Our job is to identify the lenders most likely to accept your application before you apply.

We tell you which lenders are likely to say yes

Before you apply. We match your circumstances to lender criteria first — protecting your credit score and avoiding wasted applications.

Comprehensive lender panel access — 90+ lenders

Including specialist lenders most people never see. Self-employed, contractor, complex income, adverse credit — we know who's open to your situation.

Honest advice, costs agreed upfront

FCA-regulated. Your initial consultation is free — if a broker fee applies, you'll know in writing before any application is submitted.

Tools when you want control. Advisers when it matters.

Use as much or as little of our technology as you like — regulated advice stays at the centre of the actual mortgage.

Search yourself

Explore mortgage and property information without pressure.

Use our technology

Sienna Property Intelligence, Mortgage Monitor, calculators and property intelligence.

Ask a real adviser

Qualified mortgage and protection advisers when you need advice.

We take over when it gets serious

Advice, underwriting, application and progression through to completion.

60-second personalised guide

Find your mortgage or protection path in 60 seconds

Pick your situation. We'll ask a few quick questions and show you an indicative result — no signup needed to see it.

What Our Customers Are Saying

Don't Just Take Our Word For It

With experienced advice and guidance from our qualified brokers, you can count on us to find the best mortgage for you.

"First-time buyers and clueless. Our advisor explained every option clearly, found us a great rate and we never paid a fee. Keys in 8 weeks."

Sarah & James

First-Time Buyers, Newcastle

"I'd been putting off remortgaging for months. One WhatsApp message and the team sorted everything. Saved me £247 a month."

David T.

Remortgage Client, Durham

"As a self-employed teacher I thought a mortgage was out of reach. They found a lender who understood my income and got me approved in 2 weeks."

Priya M.

Home Mover, Sunderland

How Can We Help You?

Specialist mortgage & protection advice

Five common situations — and the questions our advisers will answer for you in plain English.

First-Time Buyer

Unsure how much you can borrow? We'll check your affordability, match you to lenders most likely to accept your application, and walk you through every step.

Check my affordability

Remortgage

Fixed rate ending soon? We'll compare today's deals across our lender panel against your current lender's product transfer offer and show you exactly what you'd save.

See if I could reduce my payments

Self-Employed

Sole trader, contractor or Ltd company director? We know which lenders understand your income — using best year, retained profit, day rate or umbrella pay.

Find lenders that accept me

Buy-to-Let

Compare landlord mortgage options across personal and limited company structures. Whether it's your first BTL or a growing portfolio — we'll find the right fit.

See BTL options

Insurance

Protect your home, your family and your income. We arrange life insurance, critical illness cover, income protection and buildings & contents — all from a Defaqto 4 and 5 star panel of insurers.

Get my protection options

Estate Planning

Through our partnership with Castle Family Legal, we arrange Wills, Trusts and Lasting Power of Attorney — making sure the money your insurance pays out actually goes where you want it to.

Read our adviser-led case studies or find out why clients choose The Mortgage Genie.

Free Mortgage Estimator UK — No Sign-Up Required

What Could Your Monthly Payments Be?

Use our free calculator for an instant estimate of your monthly repayments. Then speak to one of our advisors for a personalised quote — free to start.

Explore All Calculators

Loan Amount: £250,000

Term: 25 years

Interest Rate: 4.5%

Estimated Monthly Payment

£1389.58

Want a more accurate result?

How much lenders may actually offer you
Which lenders are likely to accept your situation
Today's competitive rates for your loan-to-value

Check My Eligibility

Protection

Protect What Matters Most

A mortgage is likely the biggest financial commitment you'll ever make. Make sure your family and home are protected if life throws a curveball — from critical illness to lost income.

Life Insurance

Clear your mortgage if the worst happens

Critical Illness Cover

A lump sum when you need it most

Income Protection

Replace your salary if you can't work

Explore Protection Get a Free Quote

Did You Know?

1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime (Cancer Research UK). Many homeowners have no cover in place to keep up mortgage payments if that happened to them.

Premiums depend on your age, health and the level of cover — many clients are surprised at how affordable a basic policy can be.

Check Your Options

Mortgage Guides & Insights

Plain-English mortgage guides to help you make informed decisions.

Browse all guides

Affordability

How Much Mortgage Can I Afford? A Simple Breakdown

Before you start house hunting, find out exactly how much you could borrow.

Read the full guide

First-Time Buyers

First-Time Buyer? Here's Everything You Need to Know

From deposits to government schemes — a complete, jargon-free guide to buying your first home.

Read the full guide

Remortgaging

When Should You Remortgage? (And When You Shouldn't)

Time your remortgage right and you could save thousands. Here's how to know when to switch.

Read the full guide

Browse all guides

Free Mortgage Tips, Straight to Your Inbox

Get rate alerts, money-saving tips, and market updates — around once a month. No spam, unsubscribe any time.

By subscribing, you agree to our privacy policy.

Frequently Asked Questions

Everything you need to know before you get in touch — no jargon, no waffle.

Do I need a Mortgage Broker?

A mortgage broker can give you expert advice and help you choose the right deal for your circumstances. We have access to 90+ UK lenders — many of which don't deal directly with the public — and we handle the paperwork and chase the lender on your behalf.

What does a Mortgage Broker do?

A mortgage broker is an intermediary who helps homebuyers find the best mortgage for their financial circumstances. We assess your income and deposit, recommend suitable lenders, prepare your application and manage the process through to offer and completion.

How much will your advice cost me?

Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.

How quickly can I get a mortgage offer?

Most clients receive a mortgage offer within 2–4 weeks of submitting their application. We can usually tell you how much you could borrow in less than 20 minutes. Some straightforward cases complete in as little as 10 days.

Can I get a mortgage if I'm self-employed?

Yes. We work with specialist lenders who understand self-employed income. Whether you're a sole trader, contractor, or limited company director, we know which lenders will look favourably on your application.

Do I need a large deposit?

Not necessarily. You can get a mortgage with as little as a 5% deposit from major UK lenders. A larger deposit usually means a better rate, but we'll help you find a suitable deal for your situation. We can also advise on government schemes like Shared Ownership.

Can I contact you on WhatsApp?

Yes — many of our clients prefer the convenience of WhatsApp. Message us any time and we'll reply during our opening hours (Monday to Friday 09:00–18:00, Saturday 10:00–14:00) — usually within the hour.

Got a question that isn't answered here? We'd love to hear from you.

Speak to an Advisor — It's Free WhatsApp Us

Get Your Free Mortgage Quote

Tell us a little about what you're looking for and one of our expert advisors will be in touch within 24 hours. No obligation, no pressure.

FCA regulated — access to 90+ lenders

Honest, jargon-free advice you can trust

Response within 24 hours

Call 0191 580 9890 WhatsApp Us

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Your home may be repossessed if you do not keep up repayments on your mortgage.

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