Why use a mortgage broker

A mortgage is one of the largest financial commitments you will ever make, so getting it right is essential. 

With so many lenders, products, and requirements, the mortgage process can feel overwhelming. 

This is where a mortgage broker can make a real difference.

At Mortgages Direct UK, we act as your expert guide, simplifying the process and ensuring you get the best deal for your circumstances. 

We don’t tell you what to do—you remain in full control, with your preferences always prioritised. 

Our role is to provide expert advice, find the best mortgage options for you, and make the process as smooth and stress-free as possible.

How much does it cost?

Nothing! 

That’s right—Mortgages Direct UK does not charge any broker fees for mortgages over £100k.

🔹 You still pay lender fees and legal costs, but you won’t pay us a broker fee.

🔹 No hidden charges—just expert advice at no cost to you.

🔹 This applies whether you’re buying your first home, moving house, or remortgaging.

Why is this important?

Many brokers charge fees for their services, but we believe in offering expert advice without adding extra costs to your mortgage journey. Read more about our No Broker Fees and why this is important and how it benefits you.

Ready to take the next step? Fill in our Mortgage Enquiry Form today, and let’s get started.

How can we help

Access to a wide range of lenders

Mortgages Direct uk are classed as a 'whole of market' Broker. We will search the mortgage market for the best deal for your circumstances including any 'Broker only' deals

Expert advice and guidance

We take the time to understand your financial situation, goals, and future plans. For example:

• If you regularly receive bonuses or commission, we can find lenders that allow flexible overpayments.

• If you're self-employed or have complex income, we know which lenders are more accommodating.

• If you have a low deposit, we can explore options that require minimal upfront funds.

Help with complex situations

We have extensive experience dealing with:

• Self-employed applicants with non-standard income

• Credit history issues that may impact mortgage eligibility

• Foreign nationals without full rights of permanent residence who would like to buy in the UK

• Expats and foreign income earners looking to buy in the UK

Support and guidance throughout the process

Applying for a mortgage can be time-consuming and stressful. We handle the paperwork, liaise with lenders, and keep you updated every step of the way — so you don’t have to chase banks or worry about missing important details.

Saving you time and effort

Applying for a mortgage can be time-consuming and complex. 

With our expertise, you increase your chances of approval while avoiding the stress of managing everything yourself. 

We know which lenders to approach and how to present your application for the best chance of success.

Case Studies

Real Clients, Real Success

Here are just a few examples of how we’ve helped clients in different situations:

🏡 First-Time Buyers with No Deposit

J & S were first-time buyers renting a property when their landlord gave them notice to leave. They had good credit but little savings for a deposit. We found them a 100% mortgage, meaning they could buy a home with no deposit. They now pay less on their mortgage than they did in rent!

✅ Key Takeaway: Even with a small deposit, options are available.

🌍 Expats Buying a UK Home

Mr & Mrs P lived and worked in Germany but wanted to buy a UK home for their family. Their bank couldn't help, but we found them a national lender with competitive rates.

✅ Key Takeaway: We specialize in mortgages for expats and overseas buyers.

🏢 IT Contractor Facing Lender Restrictions

Mr I, an IT contractor, had recently switched to a limited company. His current lender wouldn’t approve his mortgage due to his new employment setup. We quickly secured a competitive deal with another lender, and his home purchase was back on track.

✅ Key Takeaway: We understand contractor income and know which lenders are most flexible.

🏠 Property Investor Refinancing Multiple Homes

Mr W bought four properties at auction using cash and wanted to remortgage to release funds for future investments. We arranged a single mortgage covering all four properties, with a free valuation and fee-assisted legal costs—and of course, no broker fees.

✅ Key Takeaway: We can structure mortgages for investors, including limited company purchases.

Ready to Take the Next Step?

If you’re looking for expert mortgage advice, access to the best deals, and a hassle-free experience—we’re here to help.

📌 Fill in our Mortgage Enquiry Form today and let’s find the right mortgage for you!