Business Details
Expert Mortgage Brokers in St Albans
The Mortgage Store has established itself as a trusted partner in the mortgage industry, offering tailored solutions to meet diverse client needs. With a team of experienced professionals, we specialise in navigating the complexities of mortgage products, ensuring clients secure optimal deals aligned with their financial circumstances. Our commitment to exceptional service is reflected in our 5-star rated mortgage and protection proposition, supported by strategic partnerships that enhance the client journey. We prioritise transparency, providing clear guidance through every stage of the mortgage process, from initial consultation to completion. Our expertise spans first-time buyer schemes, remortgaging strategies, and specialist products for self-employed individuals and contractors. By maintaining Appointed Representative status with Mortgage Intelligence Ltd, authorised and regulated by the Financial Conduct Authority, we uphold rigorous compliance standards.Our innovative approach combines advanced tools like mortgage repayment calculators with personalised advice, empowering clients to make informed decisions. Through dedicated support for new build purchases and equity release solutions, we address evolving market demands while maintaining a client-centric ethos. Our track record of successful partnerships, including TMS Conveyancing with Evolve Law, demonstrates our ability to deliver comprehensive property services. Committed to continuous improvement, we actively support charitable initiatives and invest in staff development to ensure our team remains at the forefront of industry expertise.
Services
Mortgage Advice
Remortgaging
Buy to Let
First Time Buyer
Self-Employed Mortgages
Equity Release
New Build Mortgages
Commercial Mortgages
Highlights and features
- We offer 5-star rated mortgage and protection services with FCA regulation
- Our team includes specialist advisers for self-employed, contractors, and NHS professionals
- We provide exclusive mortgage rates unavailable directly from lenders
- Our partnership with Evolve Law offers integrated conveyancing services
- We maintain a client-centric approach with transparent, no-obligation consultations
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgage Advice
Our expert mortgage advisers help clients navigate thousands of available schemes to find the perfect match for their circumstances. We specialise in complex cases including self-employed mortgages, contractor financing, and adverse credit situations. With access to exclusive rates unavailable directly from lenders, our team provides comprehensive guidance through every stage of the mortgage process.
Remortgaging
We offer tailored remortgaging solutions to help clients reduce monthly payments, release equity, or consolidate debts. Our services cover product expiry scenarios, home improvement financing, and bad credit cases. We provide expert guidance on interest rate fluctuations and help clients secure optimal deals through our extensive lender network.
First Time Buyer Mortgages
Our first-time buyer specialists assist clients with Help to Buy schemes, shared ownership options, and new build purchase deals. We provide guidance on deposit requirements, government schemes, and eligibility criteria. Our team helps navigate the entire process from initial application to completion, ensuring a smooth transition to home ownership.
Self-Employed Mortgages
We specialise in mortgages for self-employed individuals, including limited company directors, freelancers, and contractors. Our experts understand the unique challenges of non-traditional income verification and work with lenders offering flexible assessment criteria. We provide tailored solutions requiring 1-2 years' accounts and offer guidance on documentation requirements.
New Build Mortgages
Our new build specialists help clients secure financing for newly constructed properties, including Help to Buy schemes and deposit unlock options. We work closely with developers and provide guidance on new build-specific considerations. Our team ensures clients understand warranty requirements and helps navigate the unique aspects of purchasing off-plan properties.
People
Mathew Garner
CEO
With extensive leadership experience, Mathew Garner oversees The Mortgage Store's strategic direction. An FA qualified football coach, he brings disciplined management to mortgage services while maintaining a client-focused approach.
Warren Morris
Partner
Warren Morris contributes industry expertise through his role as Partner. With a background in developing British Standards procedures, he brings technical precision to mortgage solutions while maintaining a client-centric approach.
Jon Deane
Director
As Director, Jon Deane combines business acumen with unique problem-solving skills demonstrated through his international experiences. He contributes strategic oversight to The Mortgage Store's operations and client services.
Mark Deane
Director
Mark Deane applies his organisational expertise as Director, leveraging his demonstrated ability to manage complex systems. He plays a key role in maintaining The Mortgage Store's operational excellence and service standards.
James Kinns
Director
James Kinns, as Director, combines leadership with community engagement. His fundraising achievements for KidsOut demonstrate The Mortgage Store's commitment to social responsibility while maintaining professional excellence in mortgage services.
Questions
What mortgage options are available for first-time buyers?
We offer first-time buyer mortgages including Help to Buy schemes, shared ownership options, and new build purchase deals with competitive deposit requirements.
Can self-employed individuals get mortgage assistance?
Yes, we specialise in self-employed mortgages requiring 1-2 years' accounts, including limited company director mortgages and freelance income assessments.
Do you offer remortgaging services?
We provide comprehensive remortgaging solutions for debt consolidation, home improvements, and product expiry scenarios, including bad credit cases.
Are there specialist mortgages for NHS professionals?
Yes, we offer tailored mortgage products for NHS doctors, nurses, and other healthcare professionals with flexible income verification processes.
What conveyancing services do you provide?
Through our partnership with Evolve Law, we offer dedicated conveyancing services covering property purchases, sales, and remortgaging processes.
