MORTGAGES

WITH YOU IN MIND

Award-winning straightforward Mortgage Advice

Changing Mortgages For Good

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Experts

We’ve been a finalist in the prestigious British Mortgage Awards 2020, as well as winning the best complex broker in 2018, 2019 in the British Specialist Awards.

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Safe & Secure

We are regulated by the Financial Conduct Authority

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Personal Service

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.

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Quick & Easy

We are on your side. Our job is to help and guide you through the whole mortgage process making it simple and smooth as possible.

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Trusted

We've helped thousands of people find the best mortgage for their situation, and have been rated excellent on independent review sites.

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No Upfront Fees

After our chat, you're free to walk away. Feel relaxed knowing there is zero obligation to proceed with Mortgage Thoughts.

More Choice, Better Options

We work with over 80 lenders and have mortgages that some people don't even know exist

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Award Winning Mortgage Advisors

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FINALIST for the "best complex credit mortgage broker" award 2020

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WINNER of the "best complex credit mortgage brokers" 2018 & 2019

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SHORTLISTED by MoneyAge for "Mortgage Broker of the Year" 2016 & 2017

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NAMED as VouchedFor's "Top Rated Professional" in The Telegraph, 2016

Meet Our Team

luke, founder and mortgage advisor

  Luke 
Mortgage Advisor

rob wells, mortgage advisor

Rob
Mortgage Advisor

michael budzak, mortgage advisor

Michael
Mortgage Advisor

Shelagh dixon, mortgage advisor

Shelagh
Mortgage Advisor

rob wood, mortgage coordinator

Rob
Protection Advisor

kennedy, case handler

Kennedy
Case Handler

ana, case handler

Ana
Case Handler

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Daniel
Trainee

Over 50% of bad credit mortgages aren’t available to you directly and are only through specialist brokers. We only work on the tricky stuff and help where others won’t.

Excellent

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Image by Christina @ wocintechchat.com
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R. Blacknell

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Rob and Steph worked very hard to get me and my husband a good re-mortgage deal. This is the second time we have used Mortgage thoughts and we will definitely be using them again in the future. Excellent service.

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We are highly rated!

4.93 out of 5

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Mortgage Thoughts Limited Registered Office: 14 Park Square East, Leeds, LS1 2LF. Registered Company Number: 09528880 Registered in England & Wales.
Authorised and regulated by the Financial Conduct Authority. Financial Services Register No 943629. See more at https://register.fca.org.uk/. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

Our mortgage eligibility tool is operated by Lending Score (a third party) on behalf of Mortgage Thoughts. It is designed to give you an indication of how likely you are to be accepted, should you make a full application for a particular mortgage deal. Your eligibility is determined by a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit, and you may be referred or declined once a full assessment of your application has been completed. By providing you with an indicative comparison of mortgage products and the likelihood of you being able to obtain those mortgage products, we don’t look at whether the mortgage is suitable for you and your financial needs. The mortgage eligibility service is not, and should not be construed as, a recommendation, financial or other professional advice. Professional advice should always be sought before taking action. This can be obtained by contacting one of our qualified advisors.

It is important to note that our online mortgage eligibility service only covers a small number of lenders and there are other products available. By contacting one of our advisors we will be able to check your eligibility with a more comprehensive panel of lenders.

Your home may be repossessed if you do not keep up with repayments on your mortgage. Think carefully before securing other debts against your home.  You may have to pay an early repayment charge to your existing lender if you remortgage.