Find the Right Mortgage, No Matter Your Situation!

Our expert brokers help you secure the best mortgage for your needs, making the process straightforward and stress-free.

Welcome to Mortgage321 – Your Mortgage Made Simple

Welcome to Mortgage321 – your trusted partner in navigating the complex world of mortgages. We are here to simplify your journey, whether you're a first-time buyer, property investor, or looking to remortgage. Our dedicated team brings expertise, transparency, and a personal touch to help you find the right mortgage tailored to your unique needs. Let us guide you through every step of the process with confidence and clarity. Welcome to a smoother, smarter way to achieve your property goals.

About Mortgage321

Find answers to your questions about Mortgage321 – from our services to the mortgage process, we're here to help you make informed decisions with confidence.

What types of mortgages does Mortgage321 specialise in?

Mortgage321 specialises in a variety of mortgages, including first-time buyer, remortgage, buy-to-let, self-employed and bad credit mortgages tailored to meet client needs.

How can I start the mortgage application process with Mortgage321?

You can initiate your mortgage application by calling us or using our online contact form to speak with an advisor.

What documents do I need to apply for a mortgage?

You'll need proof of income, bank statements, ID, proof of address, and details of your current financial commitments.

Does Mortgage321 assist with remortgaging and buy-to-let properties?

Yes, Mortgage321 offers expert assistance with both remortgaging and buy-to-let property financing, ensuring tailored mortgage solutions for your needs.

How long does it typically take to get a mortgage approval?

Obtaining a mortgage approval generally takes between 24 to 48 hours, contingent on the details and complexity of your application.

Can Mortgage321 help with specialist or complex mortgage needs?

Yes, Mortgage321 offers expert assistance in navigating specialist and complex mortgage requirements tailored to meet diverse client financial situations.

Are there fees involved when working with Mortgage321?

Yes, there are fees involved. These will be clearly outlined at the beginning of our service to ensure transparency.

What should I expect in terms of interest rates and fees?

Interest rates and fees vary based on market conditions and individual circumstances. Mortgage321 provides tailored advice to find the best options for you.

How often can I communicate with my mortgage advisor during the process?

You can communicate with your mortgage advisor as often as needed, ensuring you feel supported and informed throughout the process.

Can I get a mortgage decision in principle through Mortgage321?

Yes, Mortgage321 provides a mortgage decision in principle, helping you understand your borrowing capacity before applying for a mortgage.

Does Mortgage321 offer support for self-employed or freelance applicants?

Yes, Mortgage321 provides tailored mortgage solutions for self-employed and freelance applicants, assisting in navigating unique financial circumstances.

What if I have a low credit score – can Mortgage321 still help?

Mortgage321 is equipped to assist clients with low credit scores by identifying suitable mortgage solutions that match their unique financial circumstances.

Is Mortgage321 regulated, and are its services trustworthy?

Yes, Mortgage321 is regulated by the FCA under registration number 498937, ensuring professional and trustworthy mortgage services.

How does Mortgage321 compare with other mortgage brokers?

Mortgage321 offers personalised service, competitive rates, and expert advice, setting us apart from other brokers in England and Wales.

What’s the next step after receiving a mortgage offer?

After receiving a mortgage offer, review the terms carefully, consult with your broker, and proceed with legal conveyancing to finalise the purchase.

Explore Our Mortgage Services

At Mortgage321, we offer a full range of services to help you secure the ideal mortgage. From first-time buyer mortgages to buy-to-let, remortgaging, and specialist lending, our experienced team is here to guide you through every option. We simplify the mortgage process, tailoring our advice and recommendations to match your specific needs and goals.

Discover how Mortgage321 can make your journey to property ownership or investment seamless and stress-free. Explore our mortgage services and find the support you need to make confident, informed decisions.

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Our Services

We help first-time buyers find the right mortgage. Our team guides you through the process, answering all your questions and making it easy to get your first home.

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Decision In Principle

Get a speedy decision in principle with our help. We assess your situation and provide a clear answer on your mortgage eligibility, helping you move forward with confidence.

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Check Your Credit

Find out your credit score quickly. Our service helps you understand your credit standing. It's an easy step towards getting the right mortgage for you.

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Latest Mortgage Best Buy

Stay up-to-date with Mortgage321’s Best Buy mortgage deals, featuring the latest competitive rates and exclusive offers. Our team curates top selections from a range of trusted lenders, ensuring you have access to the best options available on the market.

Whether you’re seeking low fixed rates, flexible terms, or special incentives, our Best Buy list is designed to highlight options that could save you money and suit your financial needs. Explore our picks and find the perfect match for your mortgage goals, backed by Mortgage321’s commitment to transparency and personalised service.

Handy Mortgage Calculators

Take the guesswork out of planning with our easy-to-use mortgage calculators. Whether you want to estimate your monthly repayments, gauge your borrowing potential, or see how different rates affect your budget, our calculators provide quick, reliable insights.

Designed to help you make informed decisions, these tools give you a clearer picture of what to expect before you apply. Start planning with confidence – explore our handy mortgage calculators and see how Mortgage321 can help you on the path to your property goals.

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Affordability Checker

We help you understand what you can afford. Our advisors will review your finances and offer personalised advice to ensure you can comfortably manage your mortgage.

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Repayment Calculator

Find out how much your mortgage repayments will be with our easy-to-use calculator. Enter a few details and get your monthly cost in seconds. Perfect for planning your budget.

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Stamp Duty Checker

Easily figure out the stamp duty on your property purchase. Just input the details, and our calculator does the rest. Get accurate results to plan your budget better.

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Our Reviews

Highly recommend mortgage 321 , they were very helpful and professional in getting me through my mortgage.. matt especially was fantastic.. thanks very much guys 😀

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Dean Foster

Dean Foster

13 days 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 💪

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Fitness Girls

Fitness Girls

1 month 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

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Andrew Griggs

Andrew Griggs

2 months ago

Reliable, prompt, exceptionally friendly, consistently available, and attentive to detail.

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Venothini Indrakumar

Venothini Indrakumar

3 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.

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Danny Saffer

Danny Saffer

9 months ago

2nd time to use this service. It was efficient, personalised, fast and with the regular updates filled us with confidence. We are sure to return in due course. Matthew makes us feel like old friends!

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Dawn Keep

Dawn Keep

11 months ago

Ready to Get Your Mortgage Sorted?

Contact Us Today! Don't wait—our experts are here to help you secure the best deal.

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.

​There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but will be agreed with you before proceeding.​ 

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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