Your perfect mortgage,made simple
From first question to front-door key — get a free callback from our friendly whole-of-market advisers. One real, qualified expert handles your case from first call to keys. No jargon. No stress. Just the keys.
Your local whole-of-market broker
OnlineExpert human advisers · Molly AI on hand if you want it
- Free, no-obligation callback from a qualified adviser — within 24 hours
- Every UK lender compared — whole-of-market, not just the high street
- Ask Molly AI anything, 24/7 — chatting is always optional
Chatting with Molly is always optional.
Free · No obligation · Callback within 24 working hours
Book a callback
Free expert advice
Search the market
Every lender compared
Get your keys
We handle the rest
Our Brokers — A Winning Team
Start with a free callback from one of our qualified CeMAP advisers — one expert handles your case from first call to keys. Molly, our 24/7 AI assistant, is on hand whenever you want instant answers, entirely optional.
Your CeMAP Adviser
Whole-of-market · Regulated advice
- Reviews your full picture and your goals
- Searches the whole market for your deal
- Handles the application, start to finish
24/7
Molly — AI Assistant
Available 24/7 · Instant answers
- Instant answers, day or night
- Checks affordability & scheme eligibility
- Optional — only if you want a head start
AI Support, 24/7
Molly is on hand day or night for instant answers whenever a question pops up — alongside your adviser, not instead of one.
Instant, No Pressure
Want a quick answer before your callback? Ask Molly anything, no commitment — your adviser takes it from there.
Seamless Handover
If you do chat with Molly, your conversation history is shared with your adviser, so you never repeat yourself.
One expert, start to finish
Book a free callback and a qualified adviser handles your case from first call to keys. Prefer instant answers first? Molly is on hand 24/7 — entirely optional.
Why homeowners choose Mortgage321
Today's Best Buy Mortgages
Live rates researched daily from publicly available UK market data and curated by our advisers. Indicative only — speak to an adviser for a tailored quote.
| Lender | Product | Initial Rate | LTV | Fee | |
|---|---|---|---|---|---|
| Barclays | 2yr tracker | 3.99% | 60% | £1,104 | Enquire |
| HSBC | 2yr tracker | 4.05% | 60% | £999 | Enquire |
| HSBC | 2yr tracker | 4.17% | 70% | £999 | Enquire |
| HSBC | 2yr tracker | 4.17% | 75% | £999 | Enquire |
| Danske Bank | 2yr fixed | 4.32% | 60% | £1,124 | Enquire |
| Halifax | 2yr fixed | 4.39% | 60% | £999 | Enquire |
| HSBC | 2yr tracker | 4.40% | 80% | £999 | Enquire |
| First Direct | 2yr fixed | 4.49% | 75% | £490 | Enquire |
| HSBC | 2yr tracker | 4.50% | 80% | Fee free | Enquire |
| Moneyfacts Best Buy | 2yr fixed | 4.62% | 90% | £999 | Enquire |
| First Direct | 2yr fixed | 4.71% | 75% | Fee free | Enquire |
| HSBC | 2yr fixed | 4.80% | 70% | Fee free | Enquire |
| NatWest | 2yr fixed | 5.01% | 85% | £999 | Enquire |
| Rightmove Average | 2yr fixed | 5.22% | 90% | £999 | Enquire |
| Rightmove Average | 2yr fixed | 5.67% | 95% | £999 | Enquire |
| Skipton Building Society | 2yr fixed | 5.99% | 100% | Fee free | Enquire |
| Halifax | 5yr fixed | 4.50% | 60% | £999 | Enquire |
| NatWest | 5yr fixed | 4.55% | 60% | £1,025 | Enquire |
| Barclays | 5yr fixed | 5.06% | 85% | £999 | Enquire |
| Rightmove Average | 5yr fixed | 5.21% | 90% | £999 | Enquire |
| Rightmove Average | 5yr fixed | 5.68% | 95% | £999 | Enquire |
| Cambridge Building Society | 5yr fixed | 5.78% | 80% | £999 | Enquire |
| Nationwide | 5yr fixed | 6.10% | 100% | Fee free | Enquire |
| Buckinghamshire Building Society | 3yr fixed | 6.19% | 80% | £1,500 | Enquire |
Source: Rates are researched daily from publicly available UK mortgage market data and curated by Mortgage321 advisers. Figures are indicative and for guidance only — your actual rate depends on your circumstances, credit profile, and property valuation.
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What Our Clients Say
Trusted by hundreds of satisfied mortgage customers
"Molly helped me understand my borrowing capacity before I spoke to an adviser. The whole process was smooth and I got a great rate on my first home."
Sarah Mitchell
Colchester
"Remortgaged to release equity for home improvements. Mortgage321 found me a better deal than my existing lender. Highly recommend."
James Thompson
Ipswich
"As a self-employed contractor, I thought getting a mortgage would be difficult. The team made it easy and explained everything clearly."
Priya Patel
Chelmsford
"Bought our second property as a buy-to-let investment. Professional service from start to finish. The advisers really know their stuff."
David & Emma Roberts
Harwich
"Had some credit issues in the past but Mortgage321 found a lender who could work with me. Forever grateful for their expertise."
Michael Chen
Colchester
"Quick, efficient and friendly service. Molly answered all my initial questions online, then the adviser took over seamlessly."
Rachel Williams
Braintree
Ready to get your mortgage moving?
Submit your details and one of our expert advisers will call you back within 24 working hours. Want instant answers first? Molly, our AI assistant, is on hand 24/7 — entirely optional.
Our team of expert advisers
Get Your Free Mortgage Consultation
No obligation · Free initial chat · FCA-regulated advice
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Your Local Mortgage Broker in Colchester & Essex
Mortgage321 is a whole-of-market mortgage broker based in Colchester, Essex. Since 2009 we have helped thousands of homebuyers, homeowners and property investors across Colchester, Essex and the wider UK find the right mortgage — searching every UK lender, not just the high street, to secure the best deal for each client's individual circumstances.
What sets us apart is our unique blend of AI-powered mortgage guidance and FCA-regulated human advisers. Our AI assistant, Molly, is available 24/7 to answer your mortgage questions instantly — from affordability and deposit requirements to scheme eligibility and specialist lending criteria. When you are ready for tailored, regulated advice, our expert advisers take over, guiding you through the entire application process from start to finish.
We cover clients across 23 counties in England and Wales — from our Colchester base across Essex, Suffolk, Kent, Hertfordshire and the Home Counties to Greater Manchester, West Yorkshire, Merseyside, Devon, Cornwall, South Wales and North Wales, with dedicated local pages for towns across them all. We also serve clients nationwide across the whole of the UK through our fully remote, flexible service model. Whether you are a first-time buyer in Colchester, a landlord in Manchester, or looking to remortgage in Cardiff, Mortgage321 has the expertise and whole-of-market access to help.
Frequently Asked Questions
Answers to common questions about using Mortgage321 as your mortgage broker.