Ian Wilson The Mortgage Store

Business Details

29 Years

experience

Your Trusted Mortgage Advisers in Kettering

Established in 1997, The Mortgage Store Ian Wilson The Mortgage Store has built a reputation as a trusted provider of tailored mortgage solutions. With over three decades of collective expertise led by The Mortgage Store Ian Wilson The Mortgage Store, our team specialises in navigating the complex mortgage market to secure bespoke deals for clients. We prioritise transparency, offering impartial advice free from lender biases, and focus on long-term client relationships built on trust. Our services span first-time buyer support, remortgaging, adverse credit solutions, and comprehensive mortgage protection tailored to individual needs.

We pride ourselves on rapid lender communication, fixed-cost solicitor referrals, and flexible appointment scheduling, including out-of-hours support. Our commitment to excellence has earned us recognition through numerous client testimonials highlighting our professionalism, market knowledge, and stress-free service delivery.

Services

Mortgage Advice Remortgaging First-time Buyers Adverse Credit Mortgage Protection

Details

Year established: 1997

Highlights and features

We offer over 28 years of mortgage market expertise
We provide tailored mortgage protection from the entire market
Our advice remains impartial with no lender influences
We offer 24/7 out-of-hours contact options
We guarantee rapid lender communication updates

Associations and certifications

Financial Conduct Authority

What people say

Excellent service Highly recommend Stress-free process Market knowledge Exceptional support

Website

Update Listing

Services

Mortgage Advice

Our expert mortgage advisory service leverages 28 years of market experience to secure optimal financing solutions. We analyse all available products to recommend rates and terms specifically tailored to your financial circumstances and property goals. Unlike bank advisors, we operate independently across the full market to ensure unbiased recommendations. Our clients benefit from our extensive lender relationships and in-depth knowledge of underwriting criteria that enable successful applications even in complex cases.

Remortgaging

Our remortgaging specialists help clients reduce monthly payments, release equity, or access better terms. By analysing your existing mortgage structure against current market offerings, we identify cost-saving opportunities while considering exit fees and new loan conditions. We manage the entire transition process, including coordinating with solicitors and lenders, ensuring minimal disruption to your financial arrangements while maximising long-term benefits.

First-time Buyers

Designed for new property purchasers, our first-time buyer service demystifies the mortgage process through clear explanations and step-by-step guidance. We explain government schemes like Help-to-Buy, calculate realistic borrowing capacities, and recommend deposit sizes that balance affordability with competitive rates. Our clients receive priority handling and educational support to build confidence throughout their initial property purchasing journey.

Adverse Credit

We specialise in mortgage solutions for clients with credit challenges including county court judgments, defaults, or bankruptcy history. Our expertise comes from understanding which lenders consider remedial actions and how to present applications that highlight financial recovery. We help rebuild property ownership opportunities through tailored approaches that demonstrate current affordability and improved financial management.

Mortgage Protection

Our mortgage protection service provides tailored insurance solutions beyond standard bank offerings. We compare policies across life, critical illness, and income protection cover to create bespoke packages that match your family circumstances and loan structure. This ensures financial security for your dependants while avoiding overpayment for unnecessary coverage levels through precise needs assessment.

People

Ian Wilson

Mortgage Adviser

Ian brings over 30 years' experience in mortgage advisory, specialising in complex cases. With expertise in navigating lending criteria, he has helped multiple generations of local families achieve homeownership. His background includes challenging expeditions demonstrating perseverance.

Lynn Cartwright

Personal Assistant

With 15+ years in financial services, Lynn provides organisational excellence to mortgage processing. Her senior experience ensures efficient application handling and exceptional client communication. She manages daily office operations while maintaining high customer service standards.

Questions

What mortgage products do you offer?

We provide access to the entire mortgage market including first-time buyer deals, remortgages, buy-to-let, adverse credit solutions, and bespoke protection plans.

How much does your service cost?

Initial consultations and mortgage matching are free. A £299 fee applies when submitting full applications to lenders.

Can you help with complex mortgage cases?

Yes, our expertise includes adverse credit cases, self-employed mortgages, and unique property types that mainstream lenders may decline.

What areas do you serve?

While based in Kettering, we provide nationwide mortgage advisory services to clients across the UK.

Do you offer after-hours support?

Yes, we provide 24/7 contact options including phone and social media for client convenience.

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Reviews (6)

Write a Review

Kirsty Williams

Dec 19, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Ian and the lovely ladies from the mortgage store have been absolutely incredible from start to finish. They have been so easy to get ahold of throughout the whole experience and have always helped in anyway they could. We cannot thank them enough, would recommend them to anyone.

Kelly Turnell

Dec 01, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I would highly recommend, the service we have received has been outstanding. A very smooth transaction from start to finish. Many thanks

Joe Penrose

Oct 21, 2021 Report

I owe a huge thank you to ian wilson and lynn cartwright and all his team, they worked so hard at getting the mortgage for my first house and i would advise everyone to use ian wilson as they are so professional and upfront its make the stress of house buying less stressful :)

Ian

Aug 30, 2020 Report

Positive:Professionalism,Quality,Responsiveness
This is the place to go if you need a mortgage .The service i recived was first class and they even got me 11k more than i would of done with my own bank .If you do not understand something they are very good at explaining it so that you do .

Toni Hopkins

Aug 18, 2019 Report

I wish you could give more than 5 . Ian and the girls from the mortgage store were exceptional! After my son son was let down by his bank for a mortgage One of the girls fitted him and his fianc in with Ian within 20 mins of being let down. It was fantastic. He got an in principle decision for them within the hour. He made them feel very comfortable and relaxed as this was their first home purhase. He was confident everything would be straight forward and smooth. With Ians help and Caroline too (who I spoke with a fair bit) it was totally problem free. I would highly recommend The mortgage

Dave Everett

Jun 10, 2019 Report

At different points in the process we dealt with the whole team and found them all to be so so helpful, it felt like they cared and completely understood that a remortgage can be stressful and did everything they could to make sure this whole thing was as stress free as possible. If we had a question, they had the answer or found the answer out as soon as they could. Could not recommend them enough.