Simple, smart, individual, mortgage advice.

We'll find the right mortgage for you

Finding a great mortgage deal.

The secret to finding a great mortgage deal is analysing thousands of options to make sure you have the right one for you. 

As a mortgage broker our job is to understand your situation and compare thousands of mortgages to find the right one. You can speak with our experts by phone, WhatsApp or email to get it wrapped up.

On top of finding great deals our award winning team of mortgage advisers are here to listen.


Tell us what you need and we will do everything we can to make your home ownership dreams a reality.  

  • Mortgage321 Twitter
  • Mortgage321 YouTube
  • Pinterest

Right broker, right mortgage.

Things don’t always add up in getting a mortgage, but one thing we are certain about is when you have the right mortgage broker on your side, your chances of being agreed for a mortgage are far higher.


That's because over 50% of mortgages aren't directly available to you on the local high street, not without a specialist broker.


Our mortgage brokers have expert knowledge of specialist lenders, who use common sense underwriting, that look beyond credit scores and automated box ticking. They'll treat you as an individual and look for reasons to lend, rather than reasons to refuse.

Not sure where to start ? Get in touch today!


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.

Laptop and Notebook
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.


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. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.

Our specialist advisers can tailor a solution to meet your individual circumstances.

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!


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 


Address: Unit 152, 9 St Johns Street

Colchester Essex CO2 7NN United Kingdom

Tele: 01255 440142 or 0800 612 8292



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

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

© Copyright Mortgage321 2021 | Website by: Mortgage321