Your Mortgage, Made Simple
Over 30 Years of Experience in Self-Employed, Adverse Credit, BTL Mortgages & Complex Lending.
Whole of Market Mortgage Advice
Unbiased. Comprehensive. Tailored to You.
Access exclusive deals from across the entire market—whether you're buying, remortgaging, or investing. Let us find the right solution for your unique needs.
Mortgages for Everyone
At Mortgage321, we believe that everyone deserves access to the right mortgage—no matter their background, circumstances, or financial history. Whether you're a first-time buyer, self-employed, a seasoned landlord, or have experienced credit challenges in the past, we’re here to help.
With over 30 years of industry experience, we specialise in finding solutions for a wide range of scenarios—from straightforward applications to complex income structures and non-conforming cases. Our personalised, expert advice ensures you receive a mortgage that fits your unique needs, not just a one-size-fits-all option.
Whatever your situation, we’ll work with you to make your property plans a reality.
🛠️ How It Works
Discover your ideal mortgage in three easy steps with Mortgage321, guiding you smoothly from enquiry to approval across England & Wales.
Step 1 - Contact Us
Reach out to Mortgage321 to start your mortgage journey. Our professionals are ready to help you understand your options and guide you through the process to find a suitable mortgage solution.
Step 2 - Assessment
We assess your financial situation to find mortgage options that suit your needs. Our professionals will guide you through the process, making it easier to secure a suitable mortgage solution.
Step 3 - Mortgage Options
We guide you through various mortgage options to find the best fit. Our personalised approach ensures you get a mortgage that aligns with your financial goals and circumstances.
Our Mortgage Services
At Mortgage321, we offer a wide range of tailored mortgage solutions—designed to meet your needs, no matter how straightforward or complex your situation may be.
🏡 First-Time Buyer Mortgages
Step onto the property ladder with expert support. We simplify the process and help you secure the right mortgage with confidence, even if you have limited deposit or income history.
💼 Self-Employed & Complex Income Mortgages
From sole traders to limited company directors, we specialise in mortgages for those with non-standard income—ensuring your true earnings are understood and considered.
⚠️ Adverse Credit & Declined Applications
If you've been turned down elsewhere or have a poor credit history, we can help. We work with specialist lenders who understand that past challenges don’t define your future.
🏘️ Buy-to-Let & Portfolio Landlords
Whether you're purchasing your first investment property or managing a growing portfolio, we provide expert advice on buy-to-let finance, including HMOs and limited company structures.
🏢 Limited Company Mortgages
Unlock the benefits of property investment through a limited company. We guide you through structuring, affordability, and lender options for a tax-efficient strategy.
🔄 Remortgaging & Capital Raising
Looking to reduce your monthly payments, raise funds for another project, or consolidate debt? We’ll help you explore the right remortgage solution for your goals.
🔗 Bridging & Short-Term Finance
Need fast, flexible funding for a time-sensitive opportunity or purchase? Our bridging finance options are ideal for auction properties, chain breaks, or refurbishment projects.
📲Connect with an Adviser
Your Mortgage Questions Answered Speak to an Adviser Now – Fast, Clear, and Professional Advice.
💻Online Meeting?
Professional Mortgage Advice, Wherever You Are
Prefer a face-to-face conversation without leaving home or the office? Schedule a secure online meeting with one of our experienced advisers at a time that suits you.
We’ll guide you through your options in real time – whether you're remortgaging, investing in buy-to-let, or need help with a complex scenario.
Flexible. Personal. Confidential.
📝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.
Product Switch vs. Remortgage: What’s the Best Option for...
May 20, 2025
The UK's Evolving Mortgage Landscape in 2025
May 18, 2025
📉 Bank of England Cuts Base Rate to 4.25% – What It Mean...
May 08, 2025
Borrowing Power Boosted as Lenders Cut Rates and Ease Aff...
May 01, 2025
Helping Your Family onto the Property Ladder: How a NatWe...
Apr 28, 2025
Navigating HMO Mortgages: A Guide for Property Investors
Apr 24, 2025
🔢Try Our Mortgage 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
Hear From Our Clients
Matt was so helpful in every step of our mortgage process. He was able to answer all questions informatively and promptly. Really recommend his services!
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kaci kilpin
19 days ago
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.
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Peter Webb
6 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 😀
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Dean Foster
7 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 💪
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Fitness Girls
8 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
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Andrew Griggs
9 months ago
Reliable, prompt, exceptionally friendly, consistently available, and attentive to detail.
Read more
Venothini Indrakumar
10 months ago
💬Pop Us Over 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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