Business Details
19 Years
experience
Your Trusted Mortgage Brokers in the UK
Founded in 2007, The Mortgage Factory has established itself as a trusted mortgage brokerage with a robust customer-driven ethos. Our expertise spans over 15 years of navigating complex market conditions, offering access to 90+ lenders and 12,000+ mortgage products. We provide tailored financial solutions, combining in-depth analysis with clear, jargon-free advice to help clients save money. With physical branches in Lancashire and a dedicated online team, we serve clients nationwide, prioritising transparency, regulatory compliance, and long-term client relationships. Our high referral rate and glowing testimonials reflect our commitment to stress-free, bespoke mortgage solutions. Services
Remortgage
Buy-To-Let
Self-Employed Mortgage
First Time Buyer
Insurance
Mortgage Brokering
Protection Insurance
Equity Release
Mortgage Monitoring
Affordability Calculations
Details
- Year established: 2007
Highlights and features
- We offer access to over 90 lenders and 12,000 mortgage products for comprehensive options.
- Our team has 15+ years of experience in navigating complex mortgage markets.
- We provide bespoke mortgage solutions tailored to individual financial circumstances.
- We operate physical branches in Lancashire and a dedicated online service nationwide.
- Our high referral rate reflects consistent client satisfaction and trust.
Associations and certifications
- Financial Conduct Authority
What people say
Extremely patient
Consistently helpful
Process stress-free
Glowing recommendations
Tailored recommendations
Services
Mortgage Brokering
We connect clients with 90+ lenders to find competitive mortgage rates. Our brokers analyse market trends and tailor solutions for first-time buyers, remortgagers, and investors. Clients benefit from impartial advice, regulatory compliance, and a streamlined application process supported by our nationwide branch network and online team.
Buy-To-Let Mortgages
Specialist advice for property investors seeking buy-to-let mortgages. We explain market requirements, assist with affordability assessments, and source competitive rates. Our team provides ongoing support for portfolio expansion, ensuring compliance with evolving regulatory standards for landlords.
Self-Employed Mortgages
Tailored mortgage solutions for self-employed individuals, including sole traders and contractors. We address unique documentation challenges and demonstrate affordability to lenders. Our expertise ensures access to suitable mortgage products despite non-traditional income structures.
Remortgage Services
We help homeowners reduce monthly payments or release equity through remortgaging. Our process includes market analysis, suitability assessments, and seamless transition support. Clients receive guidance on fixed vs variable rates and potential savings opportunities.
Protection Insurance
We offer life insurance, income protection, and critical illness cover to safeguard mortgages against unforeseen circumstances. Our advisors explain policy terms, compare insurer offerings, and recommend coverage levels to protect clients' financial stability during emergencies.
People
Alan Lyne
Managing Director and Principal Mortgage Engineer
Founder with extensive financial industry experience, specialising in mortgages and insurance. Leads strategic direction while maintaining client-focused service standards.
Steve Kay-Jones
Sales Director and Principal Mortgage Engineer
Equity release specialist with decades of industry experience, ensuring tailored solutions for clients' long-term financial planning needs.
Sam Hargreaves
Director and Principal Mortgage Engineer
Joined in 2009, expert in residential and buy-to-let mortgages with a focus on packaging complex mortgage solutions.
Johnathan Marcroft
Mortgage & Protection Engineer
Branch-based advisor in Upholland, providing personalised mortgage and protection insurance solutions while balancing family life with client commitments.
Karolyn Williams
Client Manager
25-year financial services veteran with expertise in mortgage packaging and client relationship management, renowned for exceptional customer service.
Questions
Why should I use a mortgage broker?
We offer access to 90+ lenders and save time by handling applications, providing tailored advice from a single consultation.
Do you charge a mortgage fee?
Yes, typically £495 upon completion, with reduced fees for first-time buyers and no upfront costs.
What documents are required?
ID, bank statements, and proof of income; self-employed clients need additional financial documentation.
How do you ensure suitable mortgage choices?
We conduct detailed assessments and provide suitability letters demonstrating how recommendations match individual circumstances.
Can you help with government schemes?
Yes, we assist with Shared Ownership and other government-backed mortgage initiatives for eligible applicants.
Reviews (1)
Estates & Law Ltd
Jul 30, 2019
Report
Cannot recommend The Mortgage Factory and the team there highly enough. Extremely professional and approachable, great company to work with.
