Mortgage321 made the whole mortgage process much easier than we expected. Everything was explained clearly, communication was excellent and we always knew what was happening next.
Pavitt
Mortgage321 Direct Client Review

Specialist whole-of-market mortgage advice for self-employed applicants, complex income, adverse credit, property investors and circumstances that don’t fit the standard lending box.
Led by Matthew Pigrome CeMAP · 35+ years’ experience · Established 2009
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Live · 30 Aug
Different lenders assess circumstances differently. Start with the issue that best describes your situation and we’ll help establish the options.
A previous mortgage decline or lender rejection.
ExploreSole trader, contractor, partner or freelancer.
ExploreSalary, dividends, retained profit or complex company income.
ExploreDefaults, CCJs, missed payments, IVA or previous financial difficulties.
ExploreMultiple incomes, variable earnings, recent increases or unusual remuneration.
ExploreBTL, limited company, portfolio, HMO and more complex landlord finance.
ExploreAuction, refurbishment, short-term funding, commercial or unusual transactions.
ExploreNot sure where you fit? Start with a Complex Case Review.
ExploreIf your income, credit history, property or circumstances don’t fit standard lender criteria, we can assess the position, identify the potential obstacles and research which types of lenders may be appropriate.
An initial review does not guarantee lending or mortgage approval. Personalised recommendations are provided by qualified, FCA-regulated advisers.
Tell us what you want to achieve
Tell us what makes the case unusual
We research lender criteria
We explain the route forward
We research the case before we recommend a lender. When circumstances are complex, experience and whole-of-market research make the difference.
Cases that don’t fit standard criteria are a core part of what we do.
Mortgage321 is led by Matthew Pigrome CeMAP, who has worked in financial services since 1989.
Different lenders assess the same borrower differently. We research the market to find lenders whose criteria fit the circumstances.
Personalised mortgage recommendations are provided by qualified regulated advisers.
Instant generic mortgage information and guidance, with a seamless route to a human adviser.
Phone, video, WhatsApp and online communication from Mortgage321’s Colchester base.
"From the first chat with Molly to completion, the team made everything feel straightforward and genuinely cared about getting us the right deal."




Our team of expert advisers
Recent Colchester Homebuyer
Verified Mortgage321 client
5.0
Customer Rating
2009
Established
FCA
Regulated (AR 498937)
Colchester
Essex-Based Broker
Free initial consultation · No obligation · FCA-regulated advice
Straightforward mortgages are welcome too. If your case is simple, we’ll handle it efficiently — and if it turns out to be more complex, we’re already equipped to help.
Instant estimates to help you plan your next move
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.
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.
LTV (Loan-to-Value): The LTV shown is the maximum each product allows — the ratio of the mortgage amount to the property's value (or purchase price, whichever is lower). A lower LTV generally means access to lower rates, as a larger deposit or more equity represents less risk to the lender. Your eligible LTV depends on your deposit, the property valuation, and the lender's criteria.
Get a personalised quoteReal feedback gathered from clients Mortgage321 has helped with their mortgages over the years. From straightforward purchases to more complex lending situations, our focus is always on clear advice, personal service and finding the right solution for the individual client.
Mortgage321 made the whole mortgage process much easier than we expected. Everything was explained clearly, communication was excellent and we always knew what was happening next.
Pavitt
Mortgage321 Direct Client Review
Matt was extremely helpful throughout the whole mortgage process. Our circumstances weren’t completely straightforward, but he took the time to understand everything properly and found a solution that worked for us. Communication was excellent and we always knew what was happening. We would happily recommend Mortgage321.
Tilley
Mortgage321 Direct Client Review
We were really impressed with the service from Mortgage321. Matt was knowledgeable, approachable and incredibly persistent in getting our mortgage sorted. He kept us updated throughout and was always happy to explain anything we didn’t understand. Highly recommended.
Butteriss
Mortgage321 Direct Client Review
Excellent mortgage advice and support throughout. Matt looked carefully at our circumstances and found us a mortgage when the situation wasn’t entirely straightforward. He was professional, responsive and kept us informed at every stage. We are very grateful for all his help.
Aborio
Mortgage321 Direct Client Review
Matt provided an excellent service. He took the time to understand exactly what we needed and talked us through the different options available. Everything was handled professionally and efficiently, with regular updates from application through to mortgage offer. I wouldn’t hesitate to use Mortgage321 again.
Clark
Mortgage321 Direct Client Review
We cannot thank Matt enough for his help arranging our mortgage. He was patient, knowledgeable and always available when we needed advice. Nothing seemed too much trouble and he worked hard to get everything across the line. A genuinely personal and professional service.
Foster
Mortgage321 Direct Client Review
Mortgage321 provided a first-class service. Matt’s knowledge of the mortgage market was invaluable and he made sure we understood every stage of the process. He dealt with the lender and their questions quickly and kept us updated throughout. We would definitely recommend him.
Roberts
Mortgage321 Direct Client Review
Matt was brilliant throughout our mortgage application. There were a few complications along the way, but he remained positive and worked through each issue until everything was resolved. His experience really showed and having someone knowledgeable handling the application made a huge difference.
Blackshaw
Mortgage321 Direct Client Review
Really pleased with the service we received from Mortgage321. Matt was friendly, professional and very knowledgeable. He explained everything clearly and kept us informed throughout the application. We felt that he genuinely cared about getting the right outcome for us.
Stefu
Mortgage321 Direct Client Review
Matt went above and beyond to help us with our mortgage. Our circumstances required a little more thought than a standard application, but he knew where to look and guided us through everything. His communication and determination were excellent. We would highly recommend Mortgage321.
Prediville
Mortgage321 Direct Client Review
A very professional and personal service. Matt was always quick to respond and made the whole mortgage process straightforward. He explained the different products and costs clearly and kept us updated all the way through. We would certainly use Mortgage321 again.
Littlewood
Mortgage321 Direct Client Review
Excellent service from Matt at Mortgage321. He was knowledgeable, reassuring and incredibly helpful from our first conversation through to receiving the mortgage offer. He dealt with any issues quickly and always kept us informed. We couldn’t have asked for more.
Flynn
Mortgage321 Direct Client Review
We had a great experience with Mortgage321. Matt took the time to understand our financial situation and found the right mortgage for us. His advice was clear and practical, and he kept on top of the lender throughout the application. We would happily recommend his services.
Bain
Mortgage321 Direct Client Review
Matt made the mortgage process much less stressful than we expected. He was always available to answer questions and kept us updated as things progressed. His knowledge and experience were obvious, particularly when dealing with the lender’s requirements. A great service from Mortgage321.
Thirgood
Mortgage321 Direct Client Review
From the initial conversation to receiving our mortgage offer, Matt was excellent. He explained everything in plain English, gave us realistic advice and dealt with the application efficiently. We always felt that our case was being properly looked after. Highly recommended.
Seal
Mortgage321 Direct Client Review
We are extremely grateful for everything Matt did to help with our mortgage. He was professional, patient and persistent, especially when additional information was required by the lender. His communication was excellent and he made sure we understood exactly what was happening.
Morris
Mortgage321 Direct Client Review
Mortgage321 provided an excellent service from beginning to end. Matt listened to what we needed, researched the options and found a mortgage suitable for our circumstances. He handled the application professionally and kept us regularly updated. We would have no hesitation recommending him.
Hills
Mortgage321 Direct Client Review
Matt was incredibly helpful and knowledgeable. Our mortgage wasn’t the simplest case, but he understood the situation immediately and knew which lenders were worth approaching. He kept us informed throughout and ultimately achieved the result we needed. Thank you Mortgage321.
Newman
Mortgage321 Direct Client Review
A superb service from Mortgage321. Matt was always approachable and responsive and explained the mortgage process clearly from the outset. He dealt with everything efficiently and kept chasing matters when necessary. We really appreciated the personal service and would definitely recommend him.
Wilcock
Mortgage321 Direct Client Review
Matt provided outstanding support throughout our mortgage application. He was always available to answer questions and gave us clear, straightforward advice. The whole process was handled professionally and we were kept informed at every stage. We would definitely use Mortgage321 again.
James
Mortgage321 Direct Client Review
We were very impressed with Mortgage321. Matt took the time to properly understand our circumstances rather than simply looking for the easiest option. His knowledge of different lenders proved invaluable and he guided us through the application from start to finish. Highly recommended.
Stillwell
Mortgage321 Direct Client Review
Fantastic service. Matt made everything easy to understand and was always on hand whenever we needed him. He found a mortgage that suited our circumstances and dealt with all the lender’s requirements efficiently. It was reassuring to have someone so experienced looking after us.
Appleton
Mortgage321 Direct Client Review
We cannot recommend Mortgage321 highly enough. Matt was professional, knowledgeable and persistent throughout. He kept us regularly updated and dealt with every query from the lender quickly. His experience made a complicated process considerably easier for us.
Fox
Mortgage321 Direct Client Review
Matt was excellent from our first conversation right through to the mortgage offer. He listened to what we wanted to achieve, explained our options clearly and found the right solution. Communication was always prompt and professional. We would happily recommend Mortgage321 to friends and family.
Thornton
Mortgage321 Direct Client Review
A first-class service from Mortgage321. Matt’s knowledge and experience were invaluable, particularly as our circumstances needed a more specialist approach. He knew which lenders to consider and guided us through their requirements. We are delighted with the outcome.
Doran
Mortgage321 Direct Client Review
Matt was extremely helpful throughout the process. He answered our questions clearly, kept us informed and worked hard behind the scenes to keep the application progressing. We always felt that we had someone experienced on our side. We would definitely recommend Mortgage321.
Keep
Mortgage321 Direct Client Review
Excellent service from start to finish. Matt was friendly, professional and very thorough. He took the time to understand our circumstances and found a mortgage solution that worked for us. His regular updates and straightforward explanations made the entire process much easier.
Scott
Mortgage321 Direct Client Review
A fantastic service from start to finish. Matt explained our options clearly, dealt with all the paperwork and kept everything moving with the lender. Whenever we had a question, he was available to help. Mortgage321 made what could have been a stressful process feel much easier.
Head
Mortgage321 Direct Client Review
Matt was extremely helpful throughout the whole mortgage process. He explained everything clearly, kept us updated and was always available when we had questions. His knowledge and experience made what could have been a stressful process much easier. We would have no hesitation in recommending Mortgage321.
Shields
Mortgage321 Direct Client Review
Excellent service from start to finish. Matt took the time to understand our circumstances and found a mortgage solution that worked for us. Communication was excellent throughout and we always knew what was happening with our application. A professional and personal service that we would happily recommend.
Doubleday
Mortgage321 Direct Client Review
Matt has been fantastic in helping me with my mortgage. He made everything easy to understand and guided me through each stage of the process. I always felt that I could contact him with any questions and nothing was ever too much trouble. I’m extremely grateful for all his help and would definitely recommend Mortgage321.
Garrett
Mortgage321 Direct Client Review
We received a first-class service from Mortgage321. Matt was knowledgeable, approachable and kept everything moving throughout the application. Whenever something needed dealing with, he was on top of it and kept us informed. We really appreciated the personal service and would definitely use Mortgage321 again.
Hull
Mortgage321 Direct Client Review
Matt was brilliant throughout our mortgage application. Our circumstances weren’t completely straightforward, but he took the time to understand everything properly and worked hard to find the right solution. His experience and persistence really showed. We are very pleased with the outcome and would highly recommend Mortgage321.
Griggs
Mortgage321 Direct Client Review
A big thank you to Matt for all his help with our mortgage. From our first conversation through to getting everything agreed, he was professional, responsive and reassuring. He explained our options clearly and dealt with any issues that came up along the way. We would definitely recommend Mortgage321 to anyone looking for knowledgeable mortgage advice.
Pitcher
Mortgage321 Direct Client Review
We couldn’t have asked for better support from Matt. He was patient, knowledgeable and worked hard to get our mortgage arranged. We were kept informed throughout the process and always felt that our case was being properly looked after. A genuinely personal service and we would certainly recommend Mortgage321.
Houdling
Mortgage321 Direct Client Review
See how different income, credit and property circumstances can require very different mortgage strategies.

How a limited company director whose pay and dividends recently increased can be assessed by lenders that look at the current position — not just a two-year average.
Read Case Study
An Individual Voluntary Arrangement doesn't automatically end your ability to buy again. We look at how settling an IVA from a property sale interacts with a new mortgage application.
Read Case Study
Online calculators give a rough figure — but the real borrowing amount depends on how each lender assesses your income, commitments and the property.
Read Case StudyDetailed explanations of the underwriting issues that actually make a mortgage difficult.
You can give two mortgage lenders exactly the same income, deposit and financial commitments and receive two very different answers about how much you can borrow.
If your self-employed income has increased, will a mortgage lender use your latest year's figures, or average your previous years? There is no single answer that applies to every lender.
A mortgage decline can feel definitive. It often is not. The important question is why it was declined - and immediately applying elsewhere can create more problems than it solves.
Know someone who could benefit from expert mortgage advice? Refer a friend and you’ll both receive a £100 Love2Shop voucher as our thank you once their mortgage completes.
*Terms & conditions apply. Voucher issued once your friend's mortgage completes. Mortgage referrals only.
Mortgage321 is a 100% online brokerage. There's no need to visit an office or arrange a home appointment — all of our advice is delivered remotely, wherever you are in the UK.
Whether you’ve been declined, your income is difficult to evidence, your credit history is less than perfect or the property itself is unusual, start by telling us what you’re trying to achieve.
Initial consultation free · No obligation · FCA-regulated advice where personalised recommendations are provided
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
No obligation · Free initial chat · FCA-regulated advice
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 — researching lenders across the market, 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.
Answers to common questions about using Mortgage321 as your mortgage broker.