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Gain a no obligation illustration and decision in principle; or just find out how much you could borrow.
Or call 0800 612 8292 or 01255 440142
Lines are open Monday to Saturday 9am to 10pm
Bad credit. No problem.
County Court Judgements (CCj's)
Unsecured Creditor Arrears
Secured Loan Arrears
Access to lenders acceptable to bad credit
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 types 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 charged.
When we compare different mortgage deals for you, 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 us?
Even if you have a bad credit file we can still help you gain a cost effective mortgage deal.
Expert mortgage advice.
We do more than negotiate the cheapest deal.
Here's a snapshot of what we'll do for you:
Help figure out how much you can afford to borrow
Gain an approval for a mortgage, even if you have bad credit
Provide a clear illustration of the monthly repayments and costs before you proceed
Help instruct your mortgage valuation or property survey
Gain a great deal from a lender based upon your individual circumstance
Liaise with your estate agents and if you're using Help to Buy, we'll do that paperwork for you too
Obtain a competitive conveyancing quotation for your transaction
Provide regular updates as your application progresses through WhatsApp/email/Zoom/Skype
Act fairly, simply and clearly in all communication we have with you
We're always just an message or a call away if you get stuck with something.
No question is a stupid question in our books.
How we work.
You can connect with us through your Phone/WhatsApp/Skype/Zoom
First you’ll need to answer some questions sent by email about who you are, your monthly income and outgoings
Then, you’ll be asked to provide some supporting documents which you can scan or photograph and send to us digitally by email or WhatsApp
We’ll then either arrange a time for a video mortgage appointment or if you prefer discuss your options over WhatsApp, email and phone
Why use us.
Simple, personable and fair in finding you a low cost mortgage.
More options than your bank.
We've got relationships with all the major banks and we're totally unbiased.
More options? That adds up to better rates and better solutions.
We'll search the whole of market: 12,000+ mortgages from 90+ lenders, to find you the lowest cost mortgage available to you.
More than just a comparison site.
We don’t just find you the lowest cost mortgage – we actually make sure you qualify for it. We also do all of the paperwork for you too.
What’s more, we'll work with you to find the lowest cost lawyer and liaise with your estate agent at no extra cost.
How we source your mortgage.
By using the latest digital mortgage sourcing software we're able 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 with a connection at a time you choose.
Professional advice for all types of client backgrounds.
First time buyers.
We understand that nothing beats the feeling of buying your first property. This is why, at Mortgage321 we are experts in arranging first-time buyer mortgages!
While you sit back and relax, we’ll sort out the mortgage for you to make sure you breeze through the process of obtaining the best deal.
You’ll never get tangled in financial jargon, legal terms, or the paperwork because our team will take care of everything for you, making it simple, smart and flexible.
From the initial mortgage comparisons to the final paperwork, we’ll do it all, while you focus on the happy prospect ahead.
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. A big increase in your income can also prove problematic.
Your credit score can be harmed by any number of factors, but there are some clear causes why you might have a bad credit rating and may have been declined a mortgage.
County Court Judgements
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.
Protecting your mortgage, property and loved ones.
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
Protecting your mortgage.
When you’re a Mortgage321 client, you can access whole of market life assurance and critical illness advice to cover your mortgage. In partnership with Ingard Financial Ltd you can arrange super straightforward protection plans at the lowest cost.
Peace of mind is key
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.
Now is the time to review your current mortgage.
It's time to find 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 a good mortgage broker working for you comes in, and we've got it covered.
Getting an extra 0.25% off your interest rate adds up to 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.
Yep, we're not talking small change here.
Contact us today and see how much you could save.
Mortgage321 has been around for over a decade now. Its principle, Matthew Pigrome, had the vision of building a ethical, credible a professional mortgage brokers specialising in arranging bespoke 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.
When and what we charge for our 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 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.