about us

About Mortgages Direct

Mortgages Direct are a Mortgage Broker; we arrange mortgages secured against UK property

We are regulated by the Financial Conduct Authority (FCA). Our registration number is 303319. The FCA sets minimum standards of good lending and advisory practice to be followed by all lenders and mortgage intermediaries. Check the FCA register here

Mortgages Direct are committed to the principles of “treating customers fairly”. This initiative, introduced by the FCA, aims to improve the quality of information provided to clients at all stages of the mortgage application process.

How can we help?

We are classed as a 'Whole of Market Broker'. This means we deal with most (not all) UK Lenders

Mortgages can be arranged for the purchase or remortgage of residential or buy to let property

We will provide you with information relevant to your mortgage needs. Full Illustrations will be provided in all cases. We can also arrange suitable insurances

Any Restrictions?

We do not offer the following mortgages:

• Mortgages where the lender restricts access. This includes deals that are only available by going direct to a lender

• Second charge Loans

• Islamic Mortgages

• Equity release for retired applicants

The Application Process

We can never guarantee that any mortgage application will be successful. You should not enter into any contractual arrangements or agreements until you have received your mortgage offer and your Solicitor has confirmed it is ok to do so

Our preferred means of communication is telephone and email.

We will use an online Client Portal. 

You will need to have access to a Personal Computer and be able to view and upload documents 

We will be completing a detailed financial review to enable appropriate advice to be given on your mortgage and other related insurance products. Once we have made our recommendations to you, we will confirm our advice in writing. You should keep this as it will be an important record of our discussions. Details of the loan will also be confirmed in your lender's formal offer.

Prospective lenders will assess your application against strict lending criteria. It is important that you are open and forthcoming about your situation so that we can avoid any misunderstandings.

All lenders will complete an affordability and credit assessment. Please ensure we are aware of any adverse credit or substantial commitments that may affect your application.

You will need to prove your identity and address

We provide illustrations using computer software provided by third party organisations. Occasionally, errors and omissions will occur. The actual terms and conditions of your mortgage will be shown on the lender's mortgage offer document.

Where a lender's fee (for example valuation fee) is requested with your application, please be aware that the fee may not be refundable should your application not proceed to completion.

Data Protection

We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your mortgage.

As part of FCA's duties we may be asked to provide them with access to our customer records in order that they may carry out an audit of our activities. The FCA's ability to inspect customer records promotes best practice in our industry and ensures that you continue to receive the best possible service from us. If we disclose your personal information to the FCA then they will only use it for the purpose of compliance and not for any other reason.