Our Mortgage ServicesAssisted by AI
Whole-of-market mortgage advice for every situation — from first homes to complex cases. Chat with Molly for instant guidance, then get matched with a qualified adviser who'll handle your application from start to finish.
First-Time Buyers
Your first home, made simple
Buying your first home is exciting — but it can feel overwhelming. We'll guide you through every step, from understanding how much you can borrow to getting your mortgage offer.
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Remortgages
Switch, save, or release equity
Whether your current deal is ending or you want to release equity from your home, remortgaging could save you money or help you achieve your goals.
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Buy to Let
Property investment finance
From your first rental property to a growing portfolio, we offer specialist buy-to-let finance — including day 1 remortgages, ex-local authority and deck access flats, above-commercial units, complex limited company structures, HMOs, and holiday lets.
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Self-Employed & Contractors
Mortgages that understand your income
Being self-employed shouldn't make getting a mortgage harder. We work with lenders who understand contractor pay structures, dividend income, CIS workers, and complex or multiple income sources.
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Bad Credit
Turn that 'No' into a 'Yes'
Past credit problems don't have to stop you getting a mortgage. We work with lenders who ignore small defaults and CCJs, overlook communications and utilities arrears, and even accept recent unsecured arrears.
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Specialist Lending
Solutions for complex needs
When a standard mortgage won't work, specialist lending fills the gap — bridging finance, development funding, and second charges.
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Later Life Lending
Borrow with confidence in retirement
Borrowing in later life has expanded significantly. Whether you want to release tax-free cash from your home, borrow with no monthly payments, or simply switch to interest-only in retirement, later life lending offers flexible, regulated solutions for over-55s.
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Commercial Mortgages
Finance for business property
Whether you're buying premises for your business or investing in commercial property, we can help source the right commercial finance.
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Protection
Safeguard your investment
Your mortgage is likely your largest financial commitment. Protection insurance ensures you and your family can keep your home if the unexpected happens.
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Shared Ownership
Step onto the property ladder gradually
Shared Ownership lets you buy a share of a property (typically 25–75%) and pay a reduced rent on the remainder. It's a popular route for first-time buyers who can't afford a full deposit on the open market.
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Bridging Finance
Short-term funding when time matters
Bridging finance is short-term borrowing secured against property, designed to bridge a gap — typically for 3–12 months. It's commonly used at auction, to break a property chain, or to refurbish a property before refinancing to a term mortgage.
Learn moreHome Mover Mortgages
Moving home, moving mortgage
Moving home brings enough logistics without your mortgage holding you back. Whether you're porting your current deal, switching to a new lender, or borrowing more for the next step, we'll make the mortgage side straightforward.
Learn moreLimited Company Buy-to-Let
SPV and limited company structures
Buying a rental property through a limited company (SPV) can be tax-efficient for higher-rate and additional-rate taxpayers, but it needs a lender that understands company structures and the right mortgage from the start.
Learn morePortfolio Landlord Finance
Multi-property and experienced landlords
If you own three or more rental properties, many lenders class you as a portfolio landlord and apply additional criteria. We work with investor-led lenders who understand portfolio lending and can finance complex, multi-property ownership structures.
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Houses in multiple occupation
HMO properties can generate stronger rental yields than single lets — but they need a lender that understands HMO licensing, room-by-room rental assessment, and the higher deposit and rental-cover requirements that come with them.
Learn moreFully Online Mortgage Advice
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.
Not sure which service you need?
Ask Molly for instant guidance, or speak to a qualified adviser — we'll match you to the right solution.