Home of Mortgages

Business Details

24 Years

experience

Your Trusted Mortgage Brokers in Romford

At Home of Mortgages, we are dedicated to making property finance accessible and straightforward for all our clients. Our team combines deep industry expertise with a client-centric approach, ensuring tailored mortgage solutions that align with individual goals. With over two decades of experience in the mortgage sector, we have built a reputation for navigating complex financial landscapes and delivering optimal outcomes. We pride ourselves on transparency, offering clear explanations of mortgage options while eliminating industry jargon. Our commitment to continuous market analysis ensures clients benefit from competitive rates and innovative financing strategies.

As an FCA-authorised firm, we uphold the highest standards of professionalism and ethical practice. Whether you're a first-time buyer, a portfolio landlord, or seeking specialist financing, our advisors provide personalised guidance at every stage. We leverage our access to the whole of the mortgage market to secure bespoke solutions, supported by a client portal for seamless portfolio management. Our mission remains unchanged since 2002: to empower clients through informed decision-making and long-term financial confidence. This enduring philosophy has established us as trusted partners in property finance across the UK.

Services

Buy-to-let mortgages Portfolio mortgages Remortgage First-time buyer Specialist finance HMO mortgages Expat mortgages Limited company mortgages

Details

Year established: 2002

Highlights and features

We have access to the whole of the mortgage market
Our team has 20+ years' experience in property finance
Tailored mortgage solutions for complex investment portfolios
FCA-authorised with transparent fee structure (590 arrangement fee)
Exclusive client portal for portfolio management

Associations and certifications

Financial Conduct Authority

Website

Update Listing

Services

Buy-to-let mortgages

Specialist financing solutions for property investors seeking rental income. We provide tailored buy-to-let mortgages with competitive rates, considering portfolio size and rental yields. Our expertise covers standard and complex cases including HMOs, holiday lets, and limited company structures.

Portfolio mortgages

Consolidated mortgage arrangements for landlords with four or more properties. We optimise financing across entire portfolios, considering collective rental income and property values. This approach simplifies management while securing favourable terms for expanding property investors.

Remortgage

Expert guidance on refinancing residential or investment properties. We analyse market options to secure better rates, release equity, or adjust terms. Our process ensures minimal disruption while maximising financial benefits for homeowners and landlords alike.

Specialist finance

Tailored solutions for non-standard mortgage requirements. We handle challenging cases including expat mortgages, large loans over 1M, and multi-unit freehold blocks. Our access to niche lenders ensures options for unique property finance scenarios.

First-time landlord

Guided mortgage support for new property investors. We explain buy-to-let requirements, assess affordability, and secure appropriate financing. Our service includes market insights and long-term portfolio planning to establish successful investment foundations.

Questions

What mortgage options exist for portfolio landlords?

We offer consolidated portfolio mortgages considering total property value and rental income. These allow financing multiple properties under one arrangement with tailored terms for landlords with four+ properties.

How much can I borrow for a buy-to-let mortgage?

Typically up to 75% LTV (loan-to-value), with some lenders offering 80% LTV. Borrowing capacity depends on rental income projections, existing portfolio performance, and personal financial circumstances.

Can I refinance my existing property portfolio?

Yes, we help portfolio landlords remortgage to secure better rates, release equity, or consolidate debts. Our market access finds optimal refinancing options for your specific portfolio composition.

What fees apply to mortgage arrangements?

Our standard fee is £590 per mortgage arrangement, with transparent pricing. Additional costs from lenders or legal processes are clearly explained before proceeding with any transaction.

Do you work with multiple lenders for property portfolios?

Yes, we collaborate with various lenders to optimise portfolio financing. This approach secures competitive rates across different property types and structures, ensuring comprehensive solutions for expanding investors.

Reviews (5)

Write a Review

Mario Mavris

Nov 15, 2021 Report

Avoid using Marty. To summarise, he is unprofessional and because of lack of duediligance he lost us our mortgage. I am not an advisor so I expected him to know what he is doing. He told us we would not get a mortgage anywhere else. I found one within a week using another company. It was approved within a few days. Sorry to say, will not be using again

CristiNa Asimionesei

Nov 07, 2021 Report

At first, I wasn't confident because I had a few rejections about the mortgage application; but the dream came true with their help, Silvan and Jude. They did their best to make things work perfectly, and for that, I thank them.
Silvan and Jude are very receptive, answer immediately and are willing to help and answer any question or problem. They also have pervasive experience and the whole process very quickly. The entire process is online by email, making it more accessible, and their advice was beneficial.
PROFESSIONALISM!

George Walsh

Oct 07, 2021 Report

Thanks to the help of Marty and Ellie we were able to get a mortgage to buy our first property. They went above and beyond for us just when we thought it wouldn't be possible. Always there to answer any questions and updated us regularly throughout the process. We highly recommend them. Wouldn't have got our dream home without there help.

Ashwak

Oct 04, 2021 Report

I had really great experience with this company and specially Kasia, very professional, efficient and I would not wish for a better service, I was really blessed to meet Kasia, I met her at the start, with zero experience of how to manage or from where to start the mortgage process, Kasia guided me patiently through the whole process, I can not imagine doing anything without her help support and understanding.
Kasia and Zoe I can not thank you enough and I will recommend to everyone. Thank you very much everyone.

Carlene Belchambers

Sep 27, 2021 Report

My husband and I continually recommend Gemma Belchambers at home of mortgages, from my own experience she has been second to none, I appreciate her expertise and ability and willingness to work with more than one lender to help us to reach our goals. she goes above and beyond with her dedication and commitment to servicing her client's requirements, however tricky they may be, with her mortgage expertise and knowledge she is an asset to her company and invaluable. Thank you Gemma for everything, we will continue to recommend you and use you in the future.