See what clients say about working with Mortgage321 — from straightforward purchases to mortgages involving complex income, adverse credit, property investment and circumstances that needed a more specialist approach.
35+ Years’ Experience•Mortgage321 Established 2009•FCA-Regulated Mortgage Advice
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Genuine feedback provided directly by clients following their experience with Mortgage321.
Independent reviews of Matthew’s advice, verified through VouchedFor.
Every mortgage has a story.
Some are straightforward. Others involve self-employment, complex income, previous credit problems, unusual properties or a lender that has already said no.
These are genuine reviews from Mortgage321 clients who have trusted us to guide them through their mortgage.
Direct Mortgage321 reviews are feedback provided by clients following their experience with us. Independent review-platform feedback is identified separately.
I can’t thank you enough for getting my mortgage over the line after months of worrying. You were absolutely brilliant, and your persistence and communication made a massive difference to my situation. Receiving that formal offer was such a relief, and I’m incredibly grateful for all your hard work.
Walker
Mortgage321 Direct Client Review
I was really pleased with the level of support and communication throughout the process. All my questions were handled patiently, and the advice was presented in a clear, straightforward way that made everything much easier to navigate.
Aguilar
Mortgage321 Direct Client Review
The whole process was really well organised, and I appreciated the regular communication and guidance from start to finish. Everything went smoothly, and I felt well supported throughout.
Deberry
Mortgage321 Direct Client Review
The support throughout the process was really helpful. Whenever I needed clarification, my questions were answered clearly and promptly.
Omeara
Mortgage321 Direct Client Review
I really appreciated the attention to detail throughout the process. Everything was made to feel smooth and understandable, which took a lot of the stress away.
Learned
Mortgage321 Direct Client Review
Great experience from start to finish with my initial enquiry. The service was friendly, knowledgeable, and they were always quick to respond. I would definitely recommend them.
Caldwell
Mortgage321 Direct Client Review
A declined mortgage does not necessarily mean there isn’t a solution.
Different lenders assess income, credit history, property types and affordability in different ways.
Mortgage321 specialises in understanding why a case does not fit before deciding which lenders are worth approaching.
The mortgage process was explained clearly, and I really appreciated the professional communication throughout. Everything felt organised and straightforward, making the whole experience much easier.
Martin
Mortgage321 Direct Client Review
I received really helpful guidance throughout the mortgage process. Everything was explained clearly, and I felt I had a good understanding of my options and what was required at each step.
Smith
Mortgage321 Direct Client Review
The communication was prompt and professional throughout the process. It made it much easier to understand exactly what was happening at each stage of my mortgage application.
Phillips
Mortgage321 Direct Client Review
35+ Years
Financial Services Experience
Established 2009
Specialist Mortgage Advice
Specialist Cases
Complex Income • Credit • Property • Buy-to-Let
Personal Advice
Cases Researched Individually
Client reviews show the experience. Our case studies show the thinking behind the solution.
A first-time buyer whose high-street calculator maxed out at £124,000 — and the lender research, 40-year term and five-year fix that got the purchase over the line.
Key challenge: Mainstream lender calculations capped borrowing at c.£124,000 — insufficient for the purchase despite a £50,000 deposit.
Read the Case Study Company DirectorHow Mortgage321 navigated company accounts, a recent salary increase and manual underwriting to keep a £425,000 first-time buyer purchase on track.
Key challenge: The director's current salary of c.£45,000 was recent and not fully reflected in the latest completed accounts, so lenders averaging two years produced insufficient borrowing.
Read the Case Study Self-EmployedA 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.
Key challenge: One year's self-employed income combined with an historic default and disputed utility arrears — and a difficult property chain requiring repeated mortgage offer extensions and restructuring.
Read the Case StudyWith more than 35 years’ experience in financial services and Mortgage321 established in 2009, Matthew specialises in helping clients whose circumstances do not always fit standard mortgage lending criteria.
If Mortgage321 helped you, a review on Google is one of the best ways to help other borrowers in a similar position find specialist help. Your review is published on your own Google profile — Mortgage321 never asks for a particular rating.
Review Mortgage321 on GoogleGoogle reviews are independent of the Mortgage321 website. Direct client testimonials shown on this site are published with the client’s consent and are not presented as independently verified.
If you’ve been declined, have unusual income, adverse credit, a complex property or simply aren’t sure which lenders may consider your circumstances, tell us what you’re trying to achieve.
Mortgage321 will look at the whole situation before recommending the most appropriate route forward.
Initial discussion without obligation • FCA-regulated mortgage advice