Clear, Professional Mortgage Advice Across Essex & Suffolk

Specialist Mortgage Solutions for Essex & Suffolk

Finding the right mortgage can feel overwhelming — especially if your circumstances don’t fit the standard boxes. At Mortgage321, we specialise in securing tailored mortgage solutions for clients across Essex and Suffolk, from first-time buyers to experienced landlords and property investors.

With over 30 years of industry expertise, we’re trusted for solving complex cases including:

• Bad credit or adverse history
• Self-employed and contractor income
• HMO and Buy to Let portfolios
• Bridging loans and short-term finance
• Capital raising for property or business use
  
  Whether you’re buying your first home, remortgaging, or investing in property, we’ll provide clear, professional advice and a solution designed around your needs.

⭐ Why Choose Mortgage321?

With over 30 years of mortgage expertise and a track record of helping clients across Essex and Suffolk, Mortgage321 is built on trust, clarity, and results.

Here’s what sets us apart:

✅ Specialist knowledge – we solve cases many high-street lenders decline.
✅ Personalised advice – every recommendation is tailored to your circumstances.
✅ Local expertise – serving communities across Essex and Suffolk since 2009.
✅ Trusted reputation – clients return to us for clear guidance and long-term support.
✅ Problem solvers – from HMOs to bridging loans, we find solutions where others see obstacles.

Whether you’re a first-time buyer, remortgaging, or financing a property portfolio, our goal is simple: to make the mortgage process clear, stress-free, and successful for you.

⭐How We’ve Helped Our Clients

Every mortgage journey is different. Here are just a few examples of how we’ve helped clients across Essex & Suffolk secure the funding they needed:

🔹 Case Study 1 – HMO Finance, Chelmsford
A landlord expanding his portfolio needed finance for a 8-bed HMO with 2  lettable outbuildings. High-street lenders refused due to the property’s multi-unit setup. We secured specialist HMO lending, enabling him to complete and achieve strong rental yields.

🔹 Case Study 2 – Bad Credit, Witham
A homemover with historic defaults was declined elsewhere. We identified a specialist lender willing to consider their improved credit profile, securing an affordable mortgage and their upward step on the property ladder.

🔹 Case Study 3 – Bridging Loan, Colchester
A client needed to complete a purchase before their sale completed. We arranged a regulated bridging loan within weeks, ensuring the chain didn’t collapse. Once the sale completed, the loan was repaid in full.