The Mortgage Masters

Simple, friendly, tailored advice you can trust

We're fully independent with access to thousands of mortgages to ensure you don't miss out on the best deals
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Getting a mortgage when you’re self-employed can be tough but here at The Mortgage Masters, we specialise in helping self-employed business owners buy and invest in property. We know how to show your income in the best possible light to find the best lender for you, and often place cases where others have failed.

We make mortgages simple! We’ll bust through the jargon to guide you through the whole process from start to finish, including liaising with accountants, estate agents and solicitors, and will keep you informed every step of the way.

We genuinely care about all our clients and pride ourselves on offering down to earth, 5 star customer service. Not only will we help you secure your property, we’ll do it all whilst ensuring that your family, your business and your income are protected.

When you need to move fast, we offer same day appointments whenever possible… no waiting 2-4 weeks just to have an initial chat with your bank! All initial strategy calls are free and can be done over the phone, online or face to face at a time and place to suit you. Evening and weekend appointments are available on request.

If you’re looking for honest, open advice without all the jargon, you’re in the right place!


The Mortgage Journey

Mortgage Strategy Call

We’ll arrange a mortgage strategy call at a time convenient for you with one of our expert advisers. We’ll discuss your current circumstances and what you are hoping to achieve and then will send out a list of documents needed to proceed.

Some estate agents may request you meet with their inhouse broker before accepting an offer. You do not have to use their services and they cannot refuse to put your offer forward if you decline.  

Decision in Principle

On receipt of documents and a completed factfind, we’ll conduct thorough market research to find the most suitable mortgage at the lowest possible cost. Once you have reviewed our recommendation and are happy to proceed, we can they apply for a Decision in Principle (DIP) which will show that a lender is happy to lend based on the information they have been given. Estate Agents often request a DIP before they will accept an offer on a house.

Some estate agents may request you meet with their inhouse broker before accepting an offer. You do not have to use their services and they cannot refuse to put your offer forward if you decline.

Submit Application

Once you have found a house and had an offer accepted, you will need to provide us with some information about the property you are buying. We can then submit your full mortgage application and instruct your solicitor.

Track to Mortgage Offer

We will upload any relevant documents requested by the lender. Timescales for the documents to be assessed vary from lender to lender but we keep you updated throughout. The lender will also instruct a valuation. 

Exchange and Completion

Once your solicitor has completed everything on the legal side, you will be ready to exchange contracts. These are legally binding and at this point you can no longer back out of a purchase or sale. The final step is where your mortgage completes and you’re handed the keys to your new home or investment property.

Keeping you protected

Our advice and recommendations will not only cover your mortgage, but also ensure that you are financially resilient in the event of you being unable to work due to accident or illness through, bespoke insurance advice to help you protect your income, your family, any debts (including your mortgage) and if applicable, your business. 

Remortgage Review

We hope that you’ll be so impressed by our customer service that you’ll be a client for life. We’ll keep an eye on your mortgage and get in touch 6 months before your existing rate expires and advise you of your options. This will avoid you falling onto your lender’s standard variable rate and paying more than needed on your mortgage.