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.
Standard Mortgages
Core residential buying, moving and switching
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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Home 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.
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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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Product Transfer & Rate Switch
Keep your lender, change your rate
A product transfer (or rate switch) moves you to a new deal with your existing lender when your current fixed or discount period ends. It's usually quick, light on paperwork, and avoids legal work and valuation fees — but it's still worth comparing against the whole market before you accept your lender's offer.
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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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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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Complex circumstances and non-standard cases
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.
Learn moreSecond Charge Loans
Unlock equity without refinancing
A second charge loan lets you raise capital against your property while keeping your existing mortgage in place — useful when your first-charge rate is highly competitive, you don't want to pay early repayment charges, or a remortgage isn't available.
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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.
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Expat & Foreign National Mortgages
UK property finance for buyers abroad and overseas nationals
Buying or refinancing UK property while living abroad — or as a foreign national — means the high street will often say no. We work with specialist lenders who understand international income, cross-border affordability and the extra documentation these cases require, so your nationality or postcode doesn't cost you the deal.
Learn moreProperty Investors
Buy-to-let, portfolio and commercial finance
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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Limited 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.
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Portfolio 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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HMO Finance
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.
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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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Offer support, protection and peace of mind
Offer Ready
The specialist offer-making service
Found the property? Offer Ready gives your offer real weight: a verified Mortgage Certificate, a matched agreement in principle, offer strategy support, and direct verification for the estate agent — so the seller can see from day one that you're the buyer most likely to complete.
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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.
Learn moreBased in Colchester. Helping clients across the UK.
Mortgage321 provides advice by phone, video and WhatsApp, so you don’t need to visit an office.
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.