Talk to Mortgage321, Colchester's  Specialist Mortgage Broker:

With thousands of exclusive mortgage products, you can be sure that our experienced mortgage advisors will find the perfect deal for you - no matter how unique your situation

If you are self-employed, have bad credit or simply looking for some specialist mortgage advice, you are in safe hands with us.

At Mortgage321 Colchester, it’s our mission to help people succeed. We provide mortgage advice to first-time buyers, home movers, and landlords who are often overlooked by high street lenders. We understand that not all people with a less than perfect credit history are still in financial difficulty. That’s why we have a dedicated team that look at each mortgage client on their own merits.

A bad credit rating can be caused by numerous factors, some of which you may never have even considered when managing your credit rating. Some of the main causes of a poor credit rating, include:

  • No Credit History

  • Bankruptcy

  • CCJs (County Court Judgements)

  • IVAs (Individual Voluntary Arrangements)

  • Missed Payments and Payment Defaults

  • High Volume of Credit Applications

  • Debt Management Plans

  • Not Being on the Electoral Roll

  • Payday Loans

  • Incorrect Address Listed on Credit Report

  • Inaccurate associations with other individuals on Credit Reports

  • High utilisation of credit facilities

  • Poor bank account conduct


All Mortgage321 advisers are CeMAP (Certificate in Mortgage Advice and Practice) qualified to provide expert impartial advice as quickly as possible.

We Take The Hassle Out Of Finding A Mortgage Using Technology And Expert Advice:

  • Get approved anytime, anywhere 

  • Flexible criteria

  • All credit considered

  • Unbiased mortgage advice

  • Multiple mortgage option

Our mortgage advice is designed to suit people in interesting situations: people who have a complex income, a young credit history, experienced previous financial difficulties, accidentally missed payments, or are recently self-employed.


Flexible Product Criteria For Those Interesting Situations

Clients who are self-employed with just 1 years trading or have had CCJs or defaults from over 3 months ago

Complex Income
People are increasingly earning incomes from multiple sources; commission, overtime, bonuses, investments and multiple jobs. Not all lenders will consider a mortgage application for those with multiple income sources, but we may be able to help you find your new mortgage

It’s commonly believed if you’re self-employed you must wait years before applying for a mortgage. With us, that's not true. We may be able to source you a mortgage even if you've just been trading for only a year

Mortgage After County Court Judgements (CCJs) or Defaults
If you've got a CCJ, Default or have missed payments you may think you won't be able to get a mortgage until these no longer show on your credit report. Our lender's offer products that are suitable for borrowers who have had CCJs and defaults from as recent as 6 months ago. Providing we can prove you’re back on track and are able to afford your mortgage repayments, we may be able to help you find your new mortgage

First-Time Buyer First-Time Landlord
It can be difficult finding a mortgage for your first Buy to Let property, but if you’ve made regular mortgage payments before and can prove you’re able to meet your mortgage repayments, we may be able to help you find your new buy to let mortgage

To find out more please contact us by clicking here or call on 0800 612 8292 or 01255 440142.

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

​**The Financial Conduct Authority do not regulate some forms of buy to let mortgages and commercial mortgages.

Mission: Possible


Defaults and CCJs shouldn't get between you and your mortgage.

We have access to a range of 6-24 month products offering: 

  • Flexible criteria for multiple CCJs

  • No pound value limit for CCJs, and they don't need to be satisfied

All applications are subject to our lending criteria and full underwrite.

© 2019 BY MORTGAGE321



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

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.

*Source Trigold June 2019

Our Fees


Our fee structure is based mainly 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.

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