Business Details
21 Years
experience
Your Trusted Mortgage Advisor in the UK
Established in 2005, The Mortgage Broker Limited has built a reputation as a trusted independent mortgage advisory service across the UK. With over 150 years of combined experience among our team, we specialise in providing tailored mortgage solutions for diverse client needs, from first-time buyers to high-net-worth individuals. Our CeMAP-qualified, FCA-regulated advisors offer unbiased advice by comparing 25,000+ mortgage products from 130+ lenders, including exclusive broker-only deals.We prioritise digital efficiency combined with human expertise, delivering same-day mortgage in principle assessments without impacting credit scores. Recognised through 30+ industry awards, our transparent fee structure (average 294 broker fee) and 2,500+ five-star reviews reflect our commitment to client satisfaction. We handle complex cases including bad credit, self-employment, and buy-to-let mortgages while offering protection insurance services to safeguard clients' financial futures.
Services
First Time Buyer Mortgages
Remortgage Deals
Buy to Let Mortgages
Bad Credit Mortgages
Self Employed Mortgages
New Build Mortgages
Debt Consolidation Mortgages
Equity Release Mortgages
Commercial Mortgages
Protection Insurance
Details
- Year established: 2005
Highlights and features
- Access 25,000+ mortgage products from 130+ lenders
- FCA-regulated advisors with CeMAP qualifications
- 2,500+ five-star customer reviews
- Transparent fee structure with average 294 broker fee
- Specialist support for complex cases including bad credit
Associations and certifications
- Financial Conduct Authority (FCA)
- Mortgage Advice Bureau (MAB)
What people say
Expert mortgage advisors
Transparent fee structure
Fast approval process
Excellent customer support
Specialist bad credit solutions
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time buyers navigating the property market. Our advisors explain deposit requirements, affordability checks, and available schemes while securing competitive rates. We provide mortgage in principle assessments to strengthen purchasing positions without impacting credit scores. Our service covers stamp duty considerations and helps clients understand different mortgage types.
Remortgage Deals
Expert remortgaging advice to secure better rates or release equity. We compare product transfers against market alternatives, considering early repayment charges and total costs. Our advisors help clients optimise mortgage terms for home improvements, debt consolidation, or retirement planning while maintaining compliance with lender requirements.
Buy to Let Mortgages
Comprehensive buy-to-let mortgage solutions for landlords. We advise on personal versus limited company structures, stress testing requirements, and portfolio management. Our service includes tax implication guidance and helps clients secure competitive rates for single or multiple properties while meeting lender criteria.
Bad Credit Mortgages
Specialist mortgages for clients with credit challenges including CCJs, IVAs, or bankruptcy. We work with lenders accepting 5% deposits and those specialising in complex cases. Our advisors review credit files, explain improvement strategies, and match clients with suitable lenders while maintaining transparent fee structures.
Self Employed Mortgages
Tailored mortgage solutions for self-employed individuals and contractors. We explain income assessment criteria for day rates, dividends, and retained profits while securing lender approvals. Our service includes SA302 documentation guidance and helps clients demonstrate affordability through specialist lender networks.
People
Sam Kirtikar
CEO
Financial services leader with debt management and fintech expertise. Completed management buyout of The Mortgage Broker London Limited in 2020. Focuses on customer-centric solutions and strategic mortgage advisory services while maintaining FCA compliance.
Kevin
Mortgage Advisor
CeMAP Qualified advisor with 20+ years' experience specialising in complex credit profiles. Helps clients secure mortgages through tailored solutions while maintaining regulatory compliance and customer-focused service standards.
Clare
Operations Manager
11-year mortgage industry veteran with operational expertise. Manages day-to-day operations while ensuring service quality and compliance. Specialises in mortgage process optimisation and team coordination.
Jodi
Mortgage Advisor
Award-winning specialist in complex mortgages including bad credit and self-employed cases. Maintains strong accountant relationships to support clients' mortgage needs while delivering tailored advisory services.
Clive
Lead Mortgage Advisor
20+ years' experience across all mortgage types. Specialises in first-time buyers, home movers, and buy-to-let mortgages. Recipient of Mortgage Broker of the Year award while maintaining client-focused advisory services.
Questions
What mortgage types do you offer?
We offer all major mortgage types including fixed-rate, tracker, variable, interest-only, and offset mortgages for residential, buy-to-let, and commercial properties.
How much can I borrow?
Borrowing amounts depend on income, commitments, and credit profile. Our advisors run affordability checks across lenders to show realistic borrowing ranges tailored to your circumstances.
Do you help with bad credit mortgages?
Yes, we specialise in adverse credit cases including CCJs, IVAs, and bankruptcy. We work with specialist lenders to find suitable mortgage solutions while maintaining transparent fee structures.
What fees do you charge?
Our average broker fee is £294, significantly below industry norms. We charge nothing for advice or mortgage in principle assessments, only collecting fees upon successful mortgage offers.
How quickly can I get a mortgage?
We can provide a soft-search mortgage in principle within 15 minutes. Full mortgage approvals typically take 1-4 weeks depending on lender valuations and underwriting processes.
Do you offer protection insurance?
Yes, we provide life insurance, critical illness cover, income protection, and business insurance solutions tailored to mortgage requirements and personal circumstances.
