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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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.
Mortgage321 is led by Matthew Pigrome, who has worked in financial services since 1989. Every case is reviewed by an experienced adviser before a lender is recommended — not processed on a production line.
35+ Years
Matthew's Experience
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.
| Lender | Product | Initial Rate | LTV | Fee | |
|---|---|---|---|---|---|
Barclays | 2yr tracker | 3.99% | 60% | £999 | Enquire |
HSBC | 2yr tracker | 4.17% | 70% | £1,052 | Enquire |
Barclays | 2yr fixed | 4.30% | 60% | £899 | Enquire |
Danske Bank | 2yr fixed | 4.32% | 60% | £1,124 | Enquire |
Barclays | 2yr fixed | 4.50% | 75% | £899 | Enquire |
Virgin Money | 2yr tracker | 4.67% | 80% | £995 | Enquire |
NatWest | 2yr fixed | 4.79% | 90% | £995 | Enquire |
NatWest | 2yr fixed | 4.84% | 75% | £995 | Enquire |
Nationwide | 2yr tracker | 4.95% | 95% | Fee free | Enquire |
Barclays | 5yr fixed | 4.33% | 60% | £899 | Enquire |
Barclays | 5yr fixed | 4.44% | 75% | £999 | Enquire |
Barclays | 5yr fixed | 4.58% | 90% | £899 | Enquire |
Barclays | 5yr fixed | 5.09% | 95% | Fee free | Enquire |
Barclays | 3yr fixed | 4.63% | 75% | £899 | Enquire |
Barclays | 3yr fixed | 5.04% | 90% | £899 | Enquire |
Barclays | 3yr fixed | 5.14% | 95% | £899 | 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.
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.
I have used Mortgage321 on a number of occasions to arrange buy-to-let and HMO mortgages. Matt understands the specialist lending market extremely well and has always been able to find solutions, even when the circumstances haven’t been straightforward. The service is personal, professional and reliable, and I would happily recommend Mortgage321 to other landlords and property investors.
Webb
Mortgage321 Direct Client Review · M321-DR-225484
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 · M321-DR-PAVITT
Excellent mortgage advice and support throughout. Matt looked carefully at my circumstances and found me a mortgage when the situation wasn’t entirely straightforward. He was professional, responsive and kept me informed at every stage. I am very grateful for all his help.
Aborio
Mortgage321 Direct Client Review · M321-DR-ABORIO
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. I would definitely recommend him.
Roberts
Mortgage321 Direct Client Review · M321-DR-ROBERTS
Matt went above and beyond to help us with my buy to let mortgage. my circumstances required a little more thought than a standard buy to let application as I had bad credit, but he knew where to look and guided me through everything. His communication and determination were excellent. I would highly recommend Mortgage321.
Prendiville
Mortgage321 Direct Client Review · M321-DR-PRENDIVILLE
Matt was extremely helpful throughout our remortgage process. Our circumstances weren’t completely straightforward, but he took the time to understand everything properly and found a solution that worked. Communication was excellent and we knew what was happening. We would recommend Mortgage321.
Tilley
Mortgage321 Direct Client Review · M321-DR-TILLEY
Matt has been fantastic in helping me with my product transfer. Everything was easy to understand and guided me through each stage of the process by email and messages. I always felt that I could contact him with any questions I had 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 · M321-DR-GARRETT
I was impressed with Mortgage321. Matt took the time to properly understand my circumstances rather than simply looking for the easiest option. His knowledge of different lenders proved valuable and he guided me through the application and purchase from start to finish.
Stillwell
Mortgage321 Direct Client Review · M321-DR-STILLWELL
See how different income, credit and property circumstances can require very different mortgage strategies.
A home-mover case where one year's self-employed accounts, an historic default and disputed utility arrears narrowed the lender field — and the property chain then tested the mortgage offer to its limits.
Read Case Study
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 StudyOnline 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 find a suitable mortgage 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.
