Simple, Stress Free Mortgages whatever your circumstances

  • Been declined by a high street bank, we could still help!

  • Apply online in minutes and its completely free

  • No appointments or interviews required

  • Independent and Whole of market

  • Powered by our industry leading MX technology connecting you to over 90 lenders and 20,000 mortgages

  • Here to look after your mortgage application every step of the way

Talk to one of our mortgage experts on

0808 172 9354

Impartial advice

FCA authorised and regulated

Open 7 days a week

Simple, Stress Free Mortgages

Let us find the best mortgage for you


To arrange a quick call back, simply complete the form below:

How It Works

Complete the simple form and submit your details.

Using the latest technology, we then search over 20,000 mortgage products to find the best deal for you.

Sit back whilst we are busy behind the scenes securing your mortgage with the lender.

Receive your mortgage offer


Find out more about the areas we specialise in

We appreciate that getting a mortgage, like life, isn’t always as simple as we would want it to be.

We are not all perfect, some of us work irregular hours, some of us are self-employed and many of us do not have a perfect credit history. We do not judge, we work hard to help those who have been shunned by the traditional high street banks and work tirelessly to get you a mortgage that is right for your circumstances.

Our team has many years experience in helping those that the high street cannot.  We go above and beyond; we pride ourselves on the customer experience.

Bad Credit

We can help if you have:

  • No credit history
  • Low credit score
  • Late payments
  • Missed payments
  • Defaults/CCJs

Declined a Mortgage

We use specialist lenders who give us access to mortgages not available on the high street.

Self Employed

You don’t always need to have 3 years accounts, if you only have 1 year, we still may be able to help.

First Time Buyers

Are you about to take your first step on the property ladder?

We offer a wide range of mortgages especially designed for first time buyers, including up to 95% loan to value.

Use our mortgage search tool to find out what the best deal is for your circumstance

If you can’t find the right deal for you, talk to one of our mortgage experts on

0808 172 9354

Mortgage Best Buys

Mortgage Best Buys

Details are based on a mortgage of £130,000 at 85% LTV

Lending Provider Initial Rate Overall Cost for Comparison
1.89% then 3.99%(tracker) 3.7% APR More Details
2.04% then 4.74%(tracker) 4.3% APR More Details
2.05% then 4.74% (tracker) 4.3% APR More Details

Remortgage Best Buys

Details are based on a remortgage of £160,000 at 70% LTV

Lending Provider Initial Rate Overall Cost for Comparison
1.49% then 4.74%(variable) 4.2% APR More Details
2.29% then 5.49%(variable) 4.9% APR More Details
2.38% then 5.23%(fixed) 4.7% APR More Details

Use our calculator to find out how much you could borrow

How Much Can I Borrow?

*Note: If there is no 2nd applicant, leave the 0. Please enter plain numbers only.



Use our calculator to find out how much your payments will be

How much will my payments be?

*Note: Do not enter any symbols, commas or letters. Enter simple numbers only.



About Us

Mortgage Experience are a fast growing, dynamic financial services business. Using the very latest, cutting edge industry technology and led by a highly accomplished and experienced management team with over 100 years mortgage experience it is little wonder that our services are in demand.

Our highly qualified specialist mortgage advisers are here to guide you every step of the way, our goal is simple: To make the complex and often daunting process of applying for a mortgage or re-mortgage as simple as possible.

Supported by HL Partnership, one of the UK’s leading Independent Mortgage and General Insurance Networks, you can rest assured you are in safe hands.

Awards and Nominations

Proud to be recognised for our achievements

2020 Finalist

Best Specialist Mortgage Broker

2020 Finalist

Later Life Broker

2020 Finalist

Newcomer of the Year
Small Business
Fast Growth Business

Senior Management Team

Talk to one of our mortgage experts on

0808 172 9354

Mortgage Experience rated Excellent

“Extremely pleased and satisfied with the service provided”

I was treated with patience and courtesy by the agent that dealt with my application. I would certainly recommend him and the company to anyone who asks my advice.

Jean Geater

“Very simple.”

Very easy process with Lyndsey. She made everything so simple and any issues were dealt with expeditiously. I would recommend Lyndsey Gaynor to anyone looking at a new mortgage or remortgage.

Stuart Lunt

“Getting this mortgage has changed my…”

Getting this mortgage has changed my life. I never thought I would be able to get on to the property ladder, in my expensive home town and as a single woman on a modest income, but The Mortgage Experience made it happen for me : I am so grateful .. E. S.

Emma Singleton

“Danielle and her team are…”

Danielle and her team are superstars*****. Arrange my mortgage from start to finish and left me stress free. Danielle deserves credit for how she handles her clients amazing service.


“Thanks for your hard work specially…”

Thanks for your hard work specially Josh I can’t thank enough we are the first time buyer we got the house on the best rate we are super happy.


“Thoroughly impressed with the service”

Thoroughly impressed with the service i received. I would like to personally thank Emma Snape and Katrina Benyon for there continued help and support throughout what has been a lengthy and stressful time for myself. I cannot thank them enough.

Brodie Magee


Excellent service and support from John during the whole remortgage process. Thank you.


“James made everything look easy”

James made everything look easy, We are very grateful for his assistance on getting this mortgage, also want to thank Emma Snape for listening and understanding my plight when other mortgage companies failed. Mortgage experience Ltd all the way, Thank you so much.

Mr & Mrs Adegoke

We understand your situation

We can also help homeowners who may not be able to obtain a mortgage from a high street lender due to bad credit or other difficult circumstances.

We’ve made it easy to arrange with no obligation whatsoever

From your first call Mortgage Experience will aim to exceed your expectations in the service you receive We will treat you with respect and courtesy and take the care required to make the whole process as quick and simple as possible. In order to do this, one of our fully qualified mortgage advisers will arrange your mortgage by telephone or our client portal and app. However, if you wish we are happy to send advisers to your home or place of work. At Mortgage Experience there are no upfront fees and you are under no obligation whatsoever. One simple call and our experienced mortgage advisers will talk you through your options. To find out how easy it can be call 0808 172 9354 and see how Mortgage Experience can change your life for the better.

Are you looking to release some equity in your home? Equity Release Advice Centre is a trusted UK company that specialises in Equity Release Schemes.

We can help...

Mortgage Experience can arrange mortgages and home loan remortgages for people with credit problems including mortgages for people with CCJs, bad credit rating, mortgage arrears and defaults.

We can also help find mortgages for the self-employed. We also have a number of schemes available for council house right to buy mortgage loans and can provide first time buyers mortgage loans and offer them our professional advice. For those wishing to invest we are expert buy to let mortgage lenders.

Contact Us

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