Hi! We're Mortgage321. 

Simple, Smart, Flexible Mortgage Advice.

We believe mortgages should be simple, transparent easy to understand and available to all.

We'll find you the most suitable mortgage for your circumstances.

If you're credit history is less than perfect, we'll still be able to help you.

More than just a comparison site

We don’t just find you the lowest cost  mortgage – we actually make sure your qualify for it and do all of the paperwork for you too.

What’s more, we'll work with you to find a low cost lawyer, property survey and liaise with your estate agent and help to buy agent at no extra cost. 

Better options than your bank

Your bank will only show you its own mortgages not the whole of market, which might not be the cheapest on the market or meet your individual needs.

We'll search the whole of market: 12,000+ mortgages from 90+ lenders, to find you the lowest cost mortgage available to you.

Mortgage sourcing software 

We use the latest mortgage sourcing software to ensure we find you the best mortgage product at the lowest cost.

We'll work with you online so you can chat to us whenever it suits you. Your mortgage can be arranged from anywhere you choose at a time you want, online.

Access to over 12000 mortgages.

At Mortgage321 we compare more than 12,000*^ mortgages, accessing almost every lender in the mortgage market using the latest mortgage sourcing software.


Our recommendation is based on the true cost of borrowing over the initial introductory period of your new mortgage, including everything you will pay during that 2, 3, 5 or 10 years benefit period. True cost includes all fees and incentives, like cashback and free valuations from lenders, not just the monthly mortgage payments.


True cost is a great tool for comparing different of mortgages because interest rates alone can not tell you which is the cheapest. For example, a mortgage might have a lower monthly repayment, but end up costing more in total over the initial introductory period because of associated fees.

When we compare different mortgage deals, we don’t stop at just the monthly repayments alone, we look deeper at the true cost to see which deal is the cheapest overall for you.

Why not find out which mortgage deal is the cheapest for you by contacting one of  Mortgage321's mortgage experts.

We use the latest mortgage sourcing software to find you the best mortgage from whole of market.


Bad credit or just bad luck?

Your credit score can be harmed by a number of factors but there are some clear causes why you might have a bad credit rating and may have been declined a mortgage.

  • Defaults

  • County Court Judgements

  • Late Repayments

  • Payday Loans

  • Mortgage Arrears

  • Discharged Bankrupts

  • Poor Payment Profile

  • Large amount of credit outstanding

Mortgage321 has access to many lenders, offering a sympathetic view, even if the problem occurred within the last 3 months.


We will need to see your multi-agency credit file to gain an agreement with a lender, but that's a small price to pay to get the mortgage you want.

A mortgage for bad credit is similar to a standard mortgage but the lender is acceptable to applicants with these issues or certain terms. Many types of bad credit mortgage deals are available, for example, fixed, variable, and discounted rates, with highly competitive rates and manual underwriting. 

Relax you're in safe hands. We're here to help you if you have bad credit.

We're helping first-time buyers to get their foot on the property ladder with a range of schemes.

Getting a mortgage for the first time can be a daunting experience. Thanks to steep property prices, first-time buyers generally speaking have smaller deposits. Consequently, this means they need to borrow more, which limits the number of products and lenders available to them.


In recent years, some lenders have introduced new product ranges to help more people take their first step onto the property ladder. This has created an abundance of higher loan to value mortgages, in addition to products which allow a parent or close family member to assist with a gift of deposit or additional income.

For many people a mortgage is the largest investment they will ever make, so it’s crucial that you speak to Mortgage321 who can search through the mortgage maze to advise you on the best mortgage available to suits your needs.

Can I get a mortgage if I am self-employed, a Company director or a contractor?


Many self-employed professionals wrongly believe that they may struggle to get a mortgage because of the way they trade.


While it’s true that many mortgage lenders prefer customers to be in full-time employment, there are great deals for business owners ,contractors and freelancers out there.

The most common problem for the self-employed applying for a mortgage is only having one year of accounts, or a low average income over the last few years. Many lenders require two or three years income proof, don't like decreasing profit, or don't use all of the income received. A big increase in your income can also prove problematic. 

Mortgage321 has access to many lenders that will happily lend to the self-employed, Company directors or contractors, even with just 1 years trading accounts or  the latest years accounts even with a bad credit history.


A remortgage could save you money.

Mortgage321 will make the process of remortgaging easy for you, whilst saving you money at a time that suits you - all you need is an internet connection. 


If you’re coming to the end of your fixed or discounted rate mortgage deal, now may be the best time to remortgage to a better one.

This is especially true if you have had a fixed-rate mortgage, as if your interest rate is higher than what the market is currently offering you may obtain a lower cost product and save money. You could also free up any equity in your home.

It's time to find a better deal

Relax you're in safe hands. We're here to help you find a remortgage


Do I need life assurance for my mortgage?

When you die, your mortgage doesn’t go away. If you have a partner, children, or elderly parents who rely on you, getting life assurance means they’ll be able to pay off your mortgage if you’re not around.

Fair and transparent plans

Protect your mortgage and loved ones with life assurance.

If you’re a Mortgage321 client, you can get whole of market life assurance advice to cover your mortgage. We’ve partnered with Ingard Financial to bring you super straightforward protection plans at the lowest cost.

Just answer a few simple questions

Protecting your home and the things inside it that matter most to you.

Get yourself fully covered from whatever unforeseen events may come your way. As with our mortgages, we recommend best price home insurance cover to meet your needs. Whether its buildings and/or contents insurance, landlords insurance, rental income guarantee, malicious damage by a tenant or home emergency cover, we can provide you with a competitive quote. 

Peace of mind is key

Buy to Let Mortgage Deals for first time landlords and investors.

When investing money in property it is so important that you choose your mortgage wisely to get the maximum return.

With the ongoing changes seen in the buy to let sector, from harsher taxation to tougher stress tests, expert advice in this area has never been more important.

Mortgage321's knowledge has continued to evolve during the changing face of the buy to let and we have continued to help landlords, like you, gain the best mortgages available, whether for a single purchase or remortgage to a large property portfolio.

Here are just a few areas where Mortgage321 can assist you for your next investment mortgage;

  • First time landlords/first time buyer

  • Limited Company (SPV)

  • House in multiple occupation (HMO)

  • Regulated buy to let

  • Portfolio landlords

  • Airbnb Properties

  • Let to buy

  • Student let

FCA do not regulate buy to let

To Let

Specialist Buy to Let Advice, Specialist Buy to Let Knowledge


"As a specialist mortgage broker, we have access to lenders that will accept bad credit, even if registered in the last 3 months. Self-employed mortgages are available with just 1 years trading accounts, or a combination of director's salary, dividends and retained net profit" 

It is our network of key industry contacts that allows our mortgage advisers to assist you whatever your circumstances.


About us.

Mortgage321 has been operating in the mortgage market since 2009, specialising in arranging bespoke mortgages for clients with a wide range of complex income and credit backgrounds.

Our mortgage experts will guide you through the process of your application with the minimal of disruption on your time. 

Running a small team of advisers we are able to respond quickly to your enquiry and provide you with a personal service with one point of contact throughout your application.

We pride ourselves on our efficient personal service, using our expertise to know which lender to approach, avoiding many of the delays often encountered during the application process, whilst also being able to utilise our network of key industry contacts to make bespoke agreements or get things processed more quickly.

It’s our combination of dedication, speed and agility in doing things properly that has made Mortgage321 the established broker it is today

How much do you charge for your service.

Our fee structure is based on three decisions; the loan amount, the complexity of your borrowing needs and whether we are arranging the mortgage for you or providing an advice-only service.

We do not charge a fee unless your decide to go ahead with our advice.

​We will charge a fee of approximately 0.5% of the loan for residential mortgage advice. Where cases are complex or involve a restricted access to credit, we estimate that the fee will be 1% of the loan, with £200.00 of this fee payable at the time of application to the lender. For example on a mortgage of £100,000 the total fee would be £500. This fee generally applies to standard mortgages.


WhatsApp us and follow us on social media. It's never been easier to contact us!

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"Keeping mortgages simple can never be understated. Communication for the client with their adviser should be easy, using email, telephone, text, WhatsApp messaging, video calling or plain old fashioned post.

So don't make things complicated, talk to Mortgage321. We're online now! 


Address: Suite 152, 9 St Johns Street

Colchester Essex CO2 7NN

Tele: 01255 440142 or 0800 612 8292

Email: info@mortgage321.co.uk


Opening Times: Monday - Saturday 9am - 10pm 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage321 is a trading style of Matthew Christopher Pigrome who is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority No 450731. DPA number Z1704032. 

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

Please be aware that by clicking on to the external links contained within this website, you are leaving the Mortgage321 website. Please note that neither Matthew Christopher Pigrome nor Ingard Financial Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this website.

The information contained on these webpages is for information purposes only and does not constitute individual advice.

Please contact us to arrange a consultation.

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

*This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personalised illustration

*^Source Trigold June 2019

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