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


Mortgage Advisor

Mortgage Advisor


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 


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.


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


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


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


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

4.9 out of 5

FCA Regulated

4.9 out of 5

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


of reviewers would recommend us

Better Chances

As specialists, we have access to 1000s of  mortgages, including exclusive deals that aren't available by going direct


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