UK Mortgage Advice
Mortgages-Online was established in 1997 and was the
UK's first mortgage broker to offer mortgage advice
exclusively over the Internet. We have helped many
thousands of people to arrange a mortgage and a
testament to our service is that we continue to build our client
relationships and help clients with
their mortgage needs over and over again.
Allowing us to source and arrange your mortgage will
save time and increase the likelihood of success when
applying to a lender.
Considering your needs
The first step in finding you the right mortgage is to
understand your requirements. We obtain information from you
over the telephone and via email to determine which
mortgage schemes should be considered
Finding the most
We provide advice about the different types of mortgage
available and can provide details about mortgages from
every UK lender, including direct to lender mortgages
that are not available through brokers.
In the current mortgage market it has never been so
difficult to get a mortgage, it is therefore vital that
you do not apply to a lender unless you can be certain
that you will qualify for their mortgages; applying
unsuccessfully to a lender may harm your credit rating.
It is reported that some lenders turned down up to 80%
of mortgage applicants in 2009.
Mortgages-Online understands lender's lending
criteria and can approach the lender to talk generically
about specific situations to 'sound out' the lender
We communicate with you quickly by email and telephone,
so there is no need to make an appointment. Mortgage
Illustrations can be provided in seconds not days. We
can discuss your requirements at a time that suits you.
Applying for a Mortgage
For the majority of mortgage applications we can apply
electronically on your behalf, saving you time. We also
know how to complete application forms accurately thus
reducing the possibility of being declined.
Liaising with the lender
Where we have applied for the mortgage on your behalf we
act as your agent. We can obtain information from the
lender, estate agent and solicitor to monitor the
progress of your application and ensure that everything
When your current mortgage comes to an end we can help
you find a replacement mortgage so that you continually
maintain a competitive mortgage. Your next application
is simplified as we hold 90% of the information required
to apply to another lender. The remaining 10% will
simply cover information that may have changed over the
years; salary changes, new loans or old loans repaid.
We can also help with buildings & content insurance,
income protection and life assurance to protect you,
your family and your home against unforeseen