Secure Your Best Mortgage Deal
Unlock your dream home with tailored mortgage solutions from Mortgage321, your trusted Colchester broker.
Welcome to Mortgage321
Based in Colchester, Mortgage321 specialises in providing tailored mortgage solutions for all types of non-conforming scenarios. Whether you're a first-time buyer or have experienced a declined mortgage application due to adverse credit or affordability challenges, we are here to assist you.
Our expertise extends to self-employed individuals, limited company directors, and those with complex income arrangements. We offer specialised advice for capital raising, remortgaging for business investment, and bespoke buy-to-let solutions, including portfolio mortgages and limited company structures.
With over 30 years of industry experience, Mortgage321 brings clarity and insight to today's mortgage complexities. We are committed to securing favourable terms and delivering personalised advice that aligns precisely with your unique financial needs.
For clear, professional, and dedicated mortgage guidance, trust Mortgage321—your specialist partner in non-conforming mortgage lending.
Tailored Mortgage Solutions for Non-Conforming Needs
The Importance of Addressing Mortgage Challenges Early
Openly discussing your mortgage situation is key to achieving the best financial outcome. Whether you're self-employed, have complex income sources, or face difficulties due to adverse credit or affordability, early engagement allows us to develop bespoke strategies that enhance your prospects of mortgage approval.
Why Choose Mortgage321?
At Mortgage321, our unmatched expertise and commitment make us your ideal partner for specialist mortgage guidance. With over 30 years in the mortgage industry, our team provides transparent, precise, and reliable advice tailored specifically to your circumstances. We place your financial well-being at the heart of our process, ensuring the mortgage solution we secure aligns seamlessly with your personal goals.
What Sets Mortgage321 Apart?
Mortgage321 specialises in successfully managing complex mortgage cases with clarity and confidence. We excel in supporting self-employed professionals, limited company directors, applicants with non-traditional income streams, and individuals who have faced credit challenges or previous mortgage declines. By thoroughly understanding your unique financial position, we connect you with suitable lenders and bespoke mortgage products, ensuring a smoother journey and improved outcomes.
Get in Touch Today
Discover how Mortgage321 can secure a mortgage solution precisely suited to your needs. Contact us today for a personalised consultation and take the first step toward achieving your mortgage goals with confidence and clarity.
Discover Your Borrowing Power
Unlock your potential with tailored mortgage solutions that fit your unique financial landscape. Let's find out how much you can comfortably afford to borrow!
Our Commitment to Your Property Success
At Mortgage321, we go beyond traditional mortgage advice—we’re your long-term partners in building financial success through smart, strategic property investment. From your first enquiry to final approval and beyond, we’re by your side every step of the way, offering ongoing support, clarity, and expert guidance.
Empowering You Through Insightful Resources
Understanding the mortgage process can feel daunting, especially in complex or non-standard situations. That’s why we offer educational resources, including our latest blogs, to help you stay informed and confident. These insights are designed to simplify complex topics and provide practical knowledge that supports your mortgage journey.
Fast, Responsive, and Reliable Service
Timing is everything when it comes to securing the right mortgage. At Mortgage321, we’re committed to responsive communication and reliable service, ensuring you have the momentum to act quickly and confidently when opportunities arise.
Your Long-Term Mortgage Partner
Our relationship with you doesn’t end at completion. We’re here to support your evolving needs, whether you're expanding a portfolio, remortgaging, or exploring new investment strategies. By staying attuned to your financial goals, we provide ongoing advice that adapts as your circumstances change.
Let’s Talk
Connect with Mortgage321 today to experience dedicated, personalised service focused on your long-term property goals. We're here to help you navigate the mortgage market with confidence and build a secure, successful future.
Get Friendly Mortgage Advice Online
Get tailored mortgage advice from the comfort of your home. Book a virtual consultation with our Colchester specialists now!
Recent Blog Posts
Stay informed with our latest insights, industry trends, and professional advice on mortgages, property investment, and financial planning. Our recent blogs cover everything you need to know to make smart, confident decisions in today’s market.
Navigating HMO Mortgages: A Guide for Property Investors
Apr 24, 2025
Understanding the 6-Month Lending Rule and Its Impact on ...
Apr 10, 2025
Trust Deeds vs. Tenants in Common – Protecting Your Inves...
Apr 08, 2025
Now Is the Time to Submit Your 2024/25 Tax Return to Assi...
Apr 04, 2025
Understanding the Importance of Donor Identification and ...
Apr 03, 2025
"Subjective Accept" Decision with Lenders: An Insight for...
Mar 25, 2025
Mortgage Tools & Calculators
Unlock your ideal mortgage in Colchester with our advanced tools and professional guidance, tailored to your unique financial journey.
Monthly Repayment
Easily estimate your monthly repayments with our simple calculator.
Buy to Let Borrowing
Explore your buy-to-let borrowing potential and discover your maximum loan amount swiftly
Hear From Our Clients
I recently had the pleasure of working with Mortgage321 on the purchase of two commercial properties on Short Wyre Street, Colchester and I couldn't be more pleased with the experience. From start to finish, the professionalism, expertise, and dedication displayed by the team were second to none. I highly recommend Mortgage321 to anyone looking for a reliable and proficient service. Their commitment to client satisfaction and their thorough approach make them a top choice for any property dealings.
Read morePeter Webb
4 months ago
Highly recommend mortgage 321 , they were very helpful and professional in getting me through my mortgage.. matt especially was fantastic.. thanks very much guys 😀
Read moreDean Foster
6 months ago
⭐⭐⭐⭐⭐ **Excellent Service from Mortgage321!** "As fitness professionals with self-employed incomes, finding a mortgage that suited our needs felt overwhelming. We were unsure how to navigate the process, but Mortgage321 made everything so simple! Their team understood our unique financial situation and found us the best deal with ease. From the first consultation, we felt confident in their expertise, especially with self-employed mortgages. They guided us through every step, ensuring a smooth and stress-free experience. We highly recommend Mortgage321 to anyone looking for personalized and professional mortgage advice. Thank you, Mortgage321, for helping us secure our dream home!" – The Fitness Girls 💪
Read moreFitness Girls
7 months ago
Most excellent service, Matt has been a pleasure to do business with and I hope will be going forward. Highly recommended. Thanks pal x
Read moreAndrew Griggs
8 months ago
Reliable, prompt, exceptionally friendly, consistently available, and attentive to detail.
Read moreVenothini Indrakumar
8 months ago
Matt at Mortgage321 was fantastic and guided us through the process. We had struggled with another broker and Matt reassured us and got us a mortgage at a more competitive rate. We could not be happier with Matt and mortgage321.
Read moreDanny Saffer
1 year ago
Pop Us a Question
We're here to help! Drop us a line with your questions or concerns, and our team of professionals will get back to you as soon as possible.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY.
THE FINANCIAL CONDUCT AUTHORITY DO NOT REGULATE BUY TO LET, COMMERCIAL MORTGAGES, ESTATE AGENCY OR WILL WRITING.
Our Fees: We charge a fee for our mortgage advice. The exact amount will depend on your individual circumstances and will be agreed upon before we undertake any chargeable work.
Mortgage321 is a trading style of Matthew Christopher Pigrome who is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority No 450731. DPA number Z1704032.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
Please be aware that by clicking on to the external links contained within this website, you are leaving the Mortgage321 website. Please note that neither Matthew Christopher Pigrome nor Ingard Financial Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this website.
*You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements
The information contained on these webpages is for information purposes only and does not constitute individual advice. Please contact us to arrange a consultation.
The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.
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