Matthew Pigrome CeMAP

In April 2009 — at the height of a financial crisis that had shaken public trust in the entire banking and mortgage sector — Matthew Pigrome made a decision that would define the next chapter of his life. He founded Mortgage321.

It wasn't a whim. It was a conviction. After two decades working in financial services since 1989, Matthew had seen firsthand how the industry could leave clients feeling confused, pressured, and underserved. He believed there was a better way — one built on ethics, credibility, and genuinely professional advice that served the client, not the commission.

From his base in Colchester, Essex, Matthew built Mortgage321 into a whole-of-market brokerage with a difference. While many brokers chase the straightforward cases, Matthew made his name on the complex ones: self-employed contractors with non-standard income, applicants nursing historic credit blips, portfolio landlords with intricate structures. These weren't the exceptions — they became his speciality.

Never one to stand still, Matthew saw early that technology could transform the client experience — not by replacing the adviser, but by enhancing access. He launched Molly, an AI mortgage assistant available 24/7, giving clients instant, jargon-free guidance before seamlessly connecting them with qualified advisers. It was a first for the industry and a natural extension of his founding vision: make good advice accessible to everyone.

Today, Mortgage321 serves clients across Essex, Suffolk, and beyond. With a 5.0 customer rating built on dozens of genuine client reviews, Matthew continues to lead the brokerage he founded — combining decades of hands-on expertise with cutting-edge technology to deliver what he always set out to achieve: smarter mortgage solutions, delivered the right way.