Mortgages Made Clear, Even When They’re Not Simple

🚀 Need a Fast or Flexible Mortgage or Loan?

Mortgage321 is a trusted mortgage broker in Colchester, providing clear, experienced guidance for clients who need more than a standard mortgage. Founded in 2009 and backed by over 30 years of industry expertise, we specialise in helping clients secure finance where traditional lenders often struggle—whether due to complex income, credit issues, unusual property types, or specialist investment strategies. If you want practical advice, tailored solutions and a broker who genuinely understands the challenges of modern lending, we’re here to help.

A Mortgage from the Right Lender, Every Time 🌍

Independent access to the full market — including specialist lenders who understand complex income, adverse credit and investment finance.

⭐ Why Mortgage321?

✔ Experts in Non-Conforming & Complex Mortgages

We specialise in cases that require deeper understanding, including:

✔ Self-employed applicants
✔ Limited company directors
✔ Contractors & multiple-income applicants
✔ Borrowers with adverse or historic credit issues
✔ Capital raising for business or investment
✔ Complex property types and non-standard construction

Our experience means we know which lenders can help, what criteria they use, and how to present your case with clarity and confidence.

🏆How We’ve Helped Our Clients

Every client’s circumstances are different — and that’s where our specialist experience makes a real impact.
Here are a few examples of how we’ve helped clients across Essex secure finance when traditional routes fell short:

 
🔹 HMO Portfolio Growth – Chelmsford
A landlord needed funding for an 8-bed HMO with two additional lettable outbuildings. High-street lenders declined due to the multi-unit structure, so we sourced a specialist HMO lender who understood the asset.
Result: Finance approved, purchase completed, and strong rental yields unlocked.

 
🔹 Adverse Credit Mortgage – Witham
A home mover with previous defaults struggled with mainstream lenders. We identified a specialist provider willing to consider their improved credit profile and affordability.
Result: An affordable mortgage arranged, enabling a smooth move to their new home.

 
🔹 Fast Bridging Finance – Colchester
A client needed to buy before their onward sale completed. Time was tight, and traditional lenders couldn’t move quickly enough. We arranged a regulated bridging loan in weeks.
Result: Purchase secured, chain protected, and the loan repaid once their sale completed.