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How The Mortgage Broker Can Help You.
- FREE Mortgage Advice
£295-£995 - Live Diary Access to Dedicated Advisers
- Mortgage, Protection & Insurance Specialists
- Live Access to UK Leading Rates
- Help, Advice, Support & Free Market Search
Welcome to The Mortgage Broker. You support service for everything related to Mortgages, Protection and Financial Advice. No matter what you need, just ask.
The Mortgage Broker can offer you free advice across any mortgage and protection questions.
- Purchase Mortgages
- Remortgages
- Buy to Lets
- Portfolio Landlords
- First Time Buyers
- Mortgage Schemes – Shared Ownership, Help to Buy etc
- Bad Credit & Debt Solutions
- Personal Protection – Life Insurance, Critical Illness, Income Protection
- Business Protection
As a partner of BMS Cars you get Free access to all our services. We do not charge any broker fee, which is usually between £295.00 – £995.00.
- Trusted Partner of 130+ Lenders
- Award-Winning Mortgage Advice
- Market Leading & Trusted Service
- Speed, Transparency & Communication
- 25,000+ Mortgage Rates & Exclusive Products
Yes. That’s why we are here.
We partner with over 130 lenders, which totals over 25,000 mortgage options. Our service includes specialists across all types of complexities and circumstances. And when it comes to bad credit – please don’t worry. 8.38 million people have missed a payment, have bad credit, defaults or debt management plans. Its very normal and we have an extremely experienced team to help you.
Yes. Not only can we get you a Mortgage in Principle, we will ensure it is the best possible rate in the market, the right mortgage for you and we will get you mortgage ready without affecting your credit score.
We can do instant mortgage in principles, or research exactly what you need.
41% of employees agree financial pressure is the top workplace stressor
Why Do The Mortgage Broker Offer Employee Benefits?
The need for trusted independent advice is more important than ever and ensuring employees have access to financial support is a must when it comes to wellbeing in the workplace.
“With a proven people first approach and a market leading reputation, we have built a dedicated service supporting employers and their employees with award-winning advice. My background is in Debt Management, where many individuals would find themselves in financial distress for a varied number of reasons. Now that I have The Mortgage Broker, and our marketing leading proposition, it allows me to make this service available to anyone that needs us. Whether its bad credit or high levels of debt, or simply a case of trying to get on the property ladder, our team can assist. Furthermore, protection for individuals and families is of paramount importance, so extending this partnership to family members is part of our overall focus; as security and financial protection for everyone is critical. It’s been crazy since the pandemic, so let us cut through all complexities for you so you can focus on your work, your future and your family”. Sam Kirtikar – Owner of The Mortgage Broker.
Five Reasons to Use a Mortgage Broker
A mortgage broker finds the best possible rate for your exact circumstances.
Quick Access to Helpful Tools
Learn More About The First Time Buyer Mortgage ProcessUnderstand Borrowing Capabilities
The market is changing on a daily basis, and lender rates are often different one day to the next. What we can guarantee, is that The Mortgage Broker can access the best rates and maximise how much you can borrow.
Mortgage Cost Tools
There are a number of financial considerations when looking to purchase your first property. Our advisers will cover all of this for you. Solicitor fees and stamp duty tax have to be calculated in your affordability from the start.
Helpful Tools
Read our First Time Buyer guide or download our Home Buying App for all our useful tools and material in order to get yourself mortgage ready. We always highly recommend talking to a broker to understand the process but 3 tips are:
- Understand Your Finances
- Get Mortgage Ready
- Speak to an Expert
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Instant Access to Mortgage Calculators & Live Rates
Within this page, there are lots of tools that can help you understand your mortgage position. These tools are all designed to be used as guidance, nothing more. Some of our tools, such as the Live Rate Finder, are linked to live mortgage rates. Other tools around repayment how much you can borrow and affordability calculations are all designed as an indicative idea of what you could do.
We would always advise to speak with a Mortgage Broker, should you want to proceed with a Decision in Principle, or whether you want to officially assess how much you can borrow. If you are buying a new property, you are best to get mortgage ready and be ready to make a formal offer and be seen as a serious buyer.
Quick Links to our Mortgage Tools
Free Mortgage Appointments with Award Winning Advice
Free Protection Review
For You & Your Family
Speak to a specialist
Live Rate Mortgage Finder %
Welcome to our live mortgage rate finder. This is just an indicative guide to help you see the sorts of rates that are accessible through some of the lenders we work with at The Mortgage Broker. It is always better to speak to a Mortgage Broker, as we can quickly understand your circumstances and access over 23,000 mortgage products through our panel of nearly 100 Mortgage Lenders. Not all lenders enable a live feed to their products, so this is just illustrating a segment of the market.
Stamp Duty Calculator - England & Northern Ireland
Please note this is for properties in England and Northern Ireland.
| Purchase Price | Normal Rate | Additional Property |
| Less than £250K | 0% | 3% |
| £250K – £925K | 5% | 8% |
| £935K – £1.5M | 10% | 13% |
| Over £1.5M | 12% | 15% |
An additional property purchased for less than £40k will attract 0% tax. For purchases from £40,000 to £250,000 the SDLT rate will be 3% on full purchase price.
