Buying a House

Smart, simple, individual,

mortgage advice

Compare over 12000+ mortgages

Expert mortgage advice

No obligation advice


Find the perfect mortgage product ​for your individual needs

Our expert mortgage brokers are here to make the mortgage process as simple and stress-free as possible and are able to support your mortgage needs.

If you're taking the first step on the property ladder, moving home, exploring the potential refinancing routes available to you or looking to invest in a buy to let property, you're in the right place.

Our mortgage team will help you find the best mortgage for you and get your the property loan you require.

Compare 12000+ mortgages.

At Mortgage321, we compare over 12,000* mortgages, using the latest mortgage sourcing software to find you the best cost deal.

Our recommendation is based on the true cost of borrowing over the initial period of your new mortgage, including everything you will pay during that initial period. 


True cost includes all fees and incentives, like cashback and free valuations from lenders, not just the monthly mortgage payments.

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.

Dog in Cone

Bad credit, no problem.

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

  • Defaults, County Court Judgements, Late Repayments

  • Mortgage Arrears or a Poor Payment Profile

  • Self-employed with 1 Years Accounts

  • Multiple Income Streams or a Contractor

  • Large Amount of Credit Commitments 

  • Discharged Bankrupt

  • Payday Loans or Debt Management Plans

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

Self-employed, no issue

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 near all mortgage lenders prefer customers to be in PAYE employment, there are great deals available for sole traders, partnerships, Company directors, contractors and freelancers out there.

The most common problem for the self-employed applying for a mortgage is low average income over the last few years or a mixture of salary and dividends. 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 and contractors, even with as little as 1 years accounts.

Open Store Sign

Remortgage. Get a better deal.

A mortgage review could save you thousands in interest, allowing you to have some extra cash when you really need it and it's not only about getting a better interest rate, it's about structuring the mortgage in the right way too.

That's where Mortgage321 working for you comes in, and we've got it covered.

Getting an extra 0.25% off of your interest rate adds up to potentially thousands of pounds saved  - especially if you keep your repayments the same, as this may reduce your mortgage term.

If things are getting tight, you may have the option to reduce your repayments significantly without increasing the life of your loan.


We're not talking small change here.

Contact us today and see how much you could save.



If you are buying a property with the intention to rent it out, then you will need a buy to let mortgage. The terms of a buy to let mortgage differ from a residential mortgage. A lender typically wants you to have a 25% deposit but this can vary. The amount you can borrow is then calculated by the rental income and the amount of deposit you can put down, but other factors are also considered, your personal income, age and credit history amongst others things.

We have access to a variety of both high street and non high street lenders, we can search the market to find the best deal for you and your circumstances. 

With recent taxation changes and lenders changing their lending policy on an ongoing basis, it is now more important than ever to get sound mortgage advice.

Modern Office

Getting the best cost deal.

If you're looking for the best cost mortgage deal  contact us now and put us to the test!


Protecting you and your property.

We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your property for your family.  


We can also arrange buildings and contents insurance for you, to protect your property and your belongings.


On request, we can refer you to a specialist Consultant to provide you with whole of market advice on additional products that can be designed to provide a lump sum or income for you and your family.

Review your protection needs

All protection policies should be reviewed from time to time. Be it home insurance, life, critical illness cover etc. We understand that peoples needs will change and as premium rates change and in the case of critical illness new companies may have entered the market and cover you for more illnesses than your existing policy.

We do not charge you a broker fee for our insurance advice.

If you would like a review of your current insurance policies, please contact us for further details.


About us.

Mortgage321 was established in 2009. Its principle, Matthew Pigrome, had the vision of building a ethical, credible a professional mortgage brokers specialising in arranging mortgages for clients with a wide range of complex income and credit backgrounds. 

Since then, we have evolved into a fully-fledged brokerage, where 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


Transparent charges.

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 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.

In all cases £200.00 of the total fee will be payable at the time of your application to the lender, with the balance payable ONLY when you receive your formal offer of mortgage from the recommended lender.

For example; on a mortgage of £100,000 the total fee would be £500. £200 of this fee is payable on your application to the lender and £300.00 payable when you receive your formal offer of mortgage. This fee generally applies to standard mortgages.


Speak to us first. 

As mortgage experts, we're here to assist you in finding the right mortgage, whatever your situation, whether this is your first purchase, you're moving home, looking at a buy to let, have bad credit, or are looking to remortgage to raise money or find a better rate with a lower payment.

 Or call 0800 612 8292 or 01255 440142

Lines are open Monday to Saturday 9am to 10pm 

  • Mortgage321 Twitter
  • Mortgage321 YouTube
  • Pinterest