Business Details
27 Years
experience
Expert Mortgage Brokers in London | Mortgage Force
Mortgage Force has been a trusted name in mortgage broking for over 26 years, dedicated to helping clients secure competitive and tailored mortgage solutions. Our team of experienced brokers operates nationwide, offering personalized advice to first-time buyers, landlords, and commercial clients. We pride ourselves on a client-focused approach, avoiding one-size-fits-all solutions to address individual financial circumstances. With a strong national presence and a commitment to simplifying complex mortgage processes, we have earned the trust of thousands across the UK.Our brokers combine deep industry expertise with a collaborative ethos, ensuring clients receive informed guidance aligned with their long-term goals. As an FCA-authorised firm, we adhere to rigorous regulatory standards, prioritising transparency and ethical practices in all our services.
Services
Adverse Credit Mortgages
Buy to Let Mortgages
Debt Consolidation Mortgages
First Time Buyer Mortgages
Fixed Rate Mortgages
Low Deposit Mortgages
Remortgage
Self-Build Mortgages
Tracker Rate Mortgages
Mortgage Advice
Details
- Year established: 1999
Highlights and features
- We have over 26 years of experience in UK mortgage broking.
- Our brokers offer tailored advice for first-time buyers and landlords.
- We are FCA-authorised, ensuring regulatory compliance and client protection.
- Nationwide presence with local expertise in key UK regions.
- Client-focused approach with no one-size-fits-all mortgage solutions.
Associations and certifications
- Financial Conduct Authority
What people say
Incredible service
Knowledgeable and professional
Saved us time and money
Personal approach
Prompt updates
Services
Adverse Credit Mortgages
Adverse credit mortgages cater to clients with imperfect credit histories. We specialise in sourcing competitive deals by leveraging relationships with niche lenders. Our brokers assess individual circumstances to identify suitable options, helping clients secure financing despite past credit challenges while ensuring affordability.
Buy to Let Mortgages
Buy to let mortgages enable property investors to build rental portfolios. We provide access to specialist products with favourable terms for landlords. Our team advises on tax implications, deposit requirements, and yield optimisation, ensuring clients maximise returns while navigating regulatory requirements for investment properties.
First Time Buyer Mortgages
First-time buyer mortgages support individuals purchasing their initial home. We simplify the process by explaining schemes like Help to Buy and low-deposit options. Our brokers guide clients through affordability assessments, deposit strategies, and government incentives to make homeownership accessible and stress-free.
Remortgage
Remortgaging allows homeowners to switch deals for better rates or release equity. We analyse current portfolios to identify savings opportunities, negotiate with lenders, and manage the transition seamlessly. Our advice covers early repayment charges, term adjustments, and how remortgaging aligns with long-term financial goals.
Self-Build Mortgages
Self-build mortgages finance bespoke property construction. We connect clients with lenders offering staged payments aligned to build milestones. Our expertise includes assessing project viability, budgeting for contingencies, and securing competitive rates tailored to self-build timelines and risks.
People
Kevin
Managing Director
With a career spanning NatWest, John Charcol, and leadership roles in four mortgage firms, Kevin brings 30+ years of industry expertise. He oversees strategic direction at Mortgage Force, leveraging deep market knowledge to enhance client outcomes and broker relationships.
Walter
Technical Director
A mortgage industry veteran since 1983, Walter held senior roles at John Charcol and served as Managing Director at multiple firms. His legal and political background informs his technical oversight, ensuring compliance and innovation in product sourcing and advisory processes.
Suzanne
Compliance Officer
Suzanne has over 35 years of financial services experience, including two decades at Nationwide Building Society in underwriting and management roles. She ensures Mortgage Force maintains strict regulatory adherence, combining operational insight with risk management expertise to protect client interests.
Ricki
Director / Mortgage & Protection Adviser
Ricki joined Mortgage Force in 2016 and became a Director in 2021. With a focus on client-centric solutions, she specialises in complex mortgage structures and protection planning, using her extensive advisory experience to deliver tailored financial strategies for diverse client needs.
Michelle Barraclough
Mortgage Adviser
Michelle has provided personalised mortgage solutions for over 20 years, earning client trust through transparent advice. Her expertise in first-time buyer schemes and remortgaging has made her a key adviser, consistently delivering results that align with evolving market conditions and client goals.
Questions
What mortgage options exist for first-time buyers?
First-time buyers can access Help to Buy schemes, low-deposit mortgages, and government-backed initiatives. We explain these options and find deals matching your budget and long-term affordability.
Can I remortgage with bad credit?
Yes, though options may be limited. We work with specialist lenders to find remortgage deals for clients with adverse credit histories, focusing on affordability and realistic repayment terms.
How does self-build mortgage financing work?
Self-build mortgages release funds in stages as construction progresses. We connect you with lenders offering competitive rates and guide you through the application, ensuring alignment with your build timeline.
What protection plans should I consider with a mortgage?
Life insurance, critical illness cover, and income protection are key. We recommend tailored packages to safeguard your mortgage payments against unforeseen circumstances, ensuring financial security for your family.
Are there fees for Mortgage Force's advisory services?
We charge up to 1% of the loan amount (minimum £495) for mortgage arrangement. Fees are discussed upfront, with no hidden costs, ensuring transparency in our advisory and brokerage services.
How do international clients secure UK mortgages?
Non-UK residents can access mortgages through specialist lenders. We assist with documentation, tax considerations, and affordability assessments, structuring deals that comply with UK regulations while meeting your investment or residency goals.
