Remortgage
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
Genuine Mortgage321 client feedback
Real Mortgage Stories. Real Clients. Real Solutions.
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
Mortgage321 Direct Reviews
42
Genuine feedback provided directly by clients following their experience with Mortgage321.
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VouchedFor
Independent reviews of Matthew’s advice, verified through VouchedFor.
Trusted by Clients with Mortgages of All Shapes and Sizes
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.
Find Reviews Relevant to Your Situation
Remortgage
The support throughout the process was really helpful. Whenever I needed clarification, my questions were answered clearly and promptly.
Omeara
Mortgage321 Direct Client Review
Remortgage
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
Remortgage
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
Remortgage
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
Remortgage
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
Been Told No by a Mortgage Lender?
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.
Remortgage
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
Remortgage
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
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.
Verified Mortgage321 client
Pavitt
Mortgage321 Direct Client Review
Why Clients Choose Mortgage321
35+ Years
Financial Services Experience
Established 2009
Specialist Mortgage Advice
Specialist Cases
Complex Income • Credit • Property • Buy-to-Let
Personal Advice
Cases Researched Individually
From the Casebook
See How We Approach Complex Mortgage Cases
Client reviews show the experience. Our case studies show the thinking behind the solution.
Complex Case
When the Mortgage Calculator Says You Can't Borrow Enough
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 DirectorCompany Director Mortgage: When a £45,000 Salary Isn't £45,000 to the Lender
How 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-EmployedSelf-Employed Mortgage: When One Year's Accounts and Adverse Credit Complicate the Application
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.
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 StudyThe Adviser Behind the Reviews
Matthew Pigrome CeMAP · Founder & Principal, Mortgage321
With 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.
35+ Years’ Experience Mortgage321 Established 2009 Specialist Mortgage Advice
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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.
Your Mortgage Doesn’t Need to Be Straightforward
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