Mortgages Made Easy
There are many reasons why you might have a had a credit blip, but this shouldn't make getting a mortgage difficult. We'll remove the stress and hassle, making the entire process as smooth as possible.
Meet some of our friendly Mortgage Advisors
Luke founded Mortgage Thoughts to create a solution for people who struggled to find a mortgage. He has previously been named a top rated adviser in The Times and The Telegraph newspapers
Luke
Mortgage Advisor
Mortgage Advisor
Michael
Michael has quickly established himself as an excellent advisor. He has a friendly, approachable manner and truly cares about getting his customers the best outcome
Rob began his career in finance over 20 years ago, assessing and approving mortgages for a major lender. He now uses this vast industry knowledge to maximise his customers' chances of getting a mortgage
Rob
Mortgage Advisor
Why choose Mortgage Thoughts?
We were named as the best complex credit mortgage broker in 2018 & 2019, by the prestigious 'British Specialist Lending Awards'.
Leading Experts
No call centres. No 'faceless' experts. You'll have a personal adviser helping you find the best mortgage for your situation — from start to finish.
Personal Service
We are regulated by the Financial Conduct Authority.
100% Safe & Secure
Poor Credit is a common challenge in people's lives. We're not here to judge you, but to do everything in our power to help you overcome that hurdle.
No Judgement
We've helped hundreds of people with bad credit to improve their lives and find the best mortgage for their situation.
Trusted
After our chat, you're free to walk away. Feel relaxed knowing there is zero obligation to proceed with Mortgage Thoughts.
No Upfront Fees
How it works
Receive expert support and unbiased advice throughout the process
We'll ask about your financial situation and your requirements — it only takes a couple of minutes.
Get in touch
1.
If you are happy with the deal we have found, we'll apply on your behalf and fill in all the paperwork.
Get your mortgage
3.
We'll search through hundreds of mortgage deals to find out which ones you are eligible for based on your credit profile, without doing any credit checks.
Find the best offer
2.
Find out what we can do for you
Quick & Easy with No Obligation
Award Winning Mortgage Service
Don't just take our word for it
Winner of one of the biggest awards Best Complex Credit Mortgage Adviser 2018 & 2019
Shortlisted by MoneyAge "Mortgage Broker of the year" 2016 & 2017
Names as VouchedFor "Top Rated Professional" in
The Telegraph, 2016
We are Top Rated
About Mortgage Thoughts
Mortgage Thoughts is an unbiased, whole of market Mortgage Advisory company that specialises in helping people with less than perfect credit history. Because we aren't tied to any providers, we focus on one goal — ensuring you receive the best mortgage deal for your situation so you can move forward in life.
See what we can do for you! 100% Obligation Free
Mortgage Thoughts Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 15 Queen Square, Leeds Ls2 8AJ. Registered Company Number: 09528880 Registered in England & Wales
Our fee is based on the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. If you would like to proceed our fee would never be more than £1495, which is only payable once a mortgage has been offered
Your home may be repossessed if you do not keep up with repayments on your mortgage.
Speaking to us could be your best chance of getting a mortgage.
Winner of one of the industry's biggest awards "The Best Complex Credit Mortgage Adviser 2019"
Leading UK Specialist Mortgage Advisors
Quick & Easy with No Obligation
" When I approached Mortgage Thoughts I thought all hope was lost. My case was complex and I'd had a bad experience with a previous broker. Emma managed my case brilliantly from beginning to end, making sure I understood the process every step of the way. It was like being looked after by friends or family. Now I'm weeks away from completing on my own home & I never thought it possible. I can't thank them enough "
Natalie Adamson
Better Chances
As specialists, we have access to 1000s of mortgages, including exclusive deals that aren't available by going direct
100%
of reviewers would recommend us
E Oberstein
"We have just completed a complex and protracted purchase using the best mortgage brokers in the UK
Speaking to us could be your best chance of getting a mortgage approved