Business Details
13 Years
experience
Your Trusted Mortgage Advisers in Gloucester
The Mortgage Brain provides expert mortgage and insurance advice tailored to first-time buyers, existing homeowners, and landlords. With over 30 years of combined experience, our CeMAP-qualified advisers access 12,000+ mortgage deals across 100+ lenders to find bespoke solutions. We offer end-to-end support through an online portal, ensuring transparency at every stage. Recognized for excellence with 5-star Trustpilot ratings and 4.9/5 Google reviews, we partner with The Fostering Network and major UK house builders to serve niche markets.Our regulated team at Elmco Ltd (FCA 445887) prioritizes affordability, with fees capped at 495 or 1% of the loan amount. Call recordings ensure compliance, and our Gloucester-based operations adhere to strict data retention policies.
Services
Mortgage Advice
Remortgage Deals
First-Time Buyer Support
Buy-to-Let Mortgages
Foster Carer Mortgages
New Build Mortgages
Insurance Services
Online Application Portal
CeMAP Qualified Advisers
Affordable Mortgage Solutions
Details
- Year established: 2013
Highlights and features
- We have access to over 12,000 mortgage deals with hundreds of lenders
- All our advisers are CeMAP qualified to find the most suitable mortgage
- You can follow your mortgage application every step of the way via our online portal
- We have thousands of happy customers with 5-star ratings on Trustpilot
- Your dedicated adviser will be with you from consultation to completion
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Knowledgeable advisers
Smooth process
Competitive rates
Dedicated support
Services
Mortgage Advice
Our CeMAP-qualified advisers provide personalized mortgage advice tailored to your financial situation. We assess 12,000+ deals across 100+ lenders to find competitive rates for first-time buyers, remortgagers, and landlords. Our end-to-end support includes affordability checks, application tracking, and completion assistance.
Buy-to-Let Mortgages
Specialist buy-to-let mortgage solutions with access to exclusive deals. We advise on rental income calculations, portfolio management, and tax-efficient structures. Our 2.3% fixed-rate options (APRC 8.8%) include 18,135 total fees, with support through our online portal.
First-Time Buyer Support
Tailored guidance for first-time buyers navigating their initial property purchase. We explain Help-to-Buy schemes, shared ownership options, and deposit requirements. Our advisers simplify the process with clear explanations of fixed/variable rates and associated fees.
Remortgage Deals
Competitive remortgage options starting from 3.94% initial rates. We help reduce monthly payments or release equity, with transparent fee structures (up to 1,999). Our service includes SVR comparisons and early repayment charge calculations.
Insurance Services
Comprehensive insurance products including life cover, critical illness protection, and income insurance. Our advisers assess your needs to recommend policies that safeguard your mortgage payments against unforeseen circumstances.
People
Enzo Mora
Management Team
Experienced mortgage professional with extensive leadership in financial services. Specializes in strategic mortgage solutions and team development.
Ken Biscoe
Management Team
Seasoned mortgage adviser with deep expertise in navigating complex lending criteria for residential and buy-to-let properties.
Michelle Weir
Management Team
Financial services leader focused on delivering customer-centric mortgage solutions through innovative advisory approaches.
Kerry Williams
Management Team
Mortgage industry veteran with a track record in optimizing lending partnerships and improving customer satisfaction metrics.
Sarah Palmer
Management Team
Specialist in new build mortgage schemes, working closely with UK house builders to facilitate seamless property purchases.
Questions
What mortgage deals can The Mortgage Brain access?
We access over 12,000 mortgage deals across 100+ lenders, including exclusive offers unavailable on the high street.
Are your advisers qualified?
All advisers hold CeMAP qualifications, ensuring expert analysis of mortgage products and regulatory compliance.
How much do your services cost?
Consultations are free; mortgage arrangement fees capped at £495 or 1% of the loan amount, whichever is higher.
Can you help first-time buyers?
Yes, we specialize in first-time buyer mortgages, explaining Help-to-Buy schemes and finding competitive fixed-rate deals.
Do you offer online application tracking?
Yes, our online portal allows real-time tracking of your mortgage application from submission to completion.
How are complaints handled?
We follow FCA guidelines for complaints resolution. Contact our compliance team via our Gloucester office for formal resolution.
Reviews (7)
David Chan
Jan 04, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Mortgage sorted and insurance sorted by The Mortgage Brain for my new home. Efficient and prompt communications. Perfect. I have used them before and will definitely use again in the future. Many thanks
Mortgage sorted and insurance sorted by The Mortgage Brain for my new home. Efficient and prompt communications. Perfect. I have used them before and will definitely use again in the future. Many thanks
Zoe Reed
Dec 30, 2021
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Really helpful throughout the process of buying our first home. We had no problems and all went smoothly. We also arranged some insurances through them but felt that this part has been less smooth for some of these and we are still waiting for some of these to be sorted. However, when contacting them about this we have always had fairly prompt replies.
Dianne Tividad
Dec 28, 2021
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Its our first time to use The Mortgage Brain and they did not disappoint! What a brilliant team. They will guide you all throughout the process, which is very helpful to us as first-time buyers. They are quick and responsive to emails, transparent, and very efficient. Amazing customer service. Special thanks to Liam, Kaitlin and Chloe for making all things smooth for us.
Amila Peiris
Dec 24, 2021
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I take this opportunity to appreciate effort and service Luke Frost and Kaitlin Thorley put on to get our first house mortgage complete. Especially Luke was helping us every small information and many more. I am fortunate to have them with us until entire process get completes and no hesitant to recommend for everyone who I know to get their new houses. Thanks a lot for all support for both of you.
Kegan Greenfield
Dec 12, 2021
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They were extremely helpful for us (first time buyers). No question was too stupid and no request was too much to ask. I would recommend the Mortgage Brain to anyone! It is rare that you come across a company where each person you deal with has the same friendly value towards customer service.
Vicky Lowe
Nov 27, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Would never trust anyone else to look after my mortgage. Ian, my mortgage advisor, is amazing. Trustworthy, knowledgeable about the products out there, keeps me advised on what is happening (I never have to chase). He / Mortgage Brain have looked after my mortgage for over 5 years and he and the team are outstanding.
Would never trust anyone else to look after my mortgage. Ian, my mortgage advisor, is amazing. Trustworthy, knowledgeable about the products out there, keeps me advised on what is happening (I never have to chase). He / Mortgage Brain have looked after my mortgage for over 5 years and he and the team are outstanding.
Gill Compton
Nov 24, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Fantastic experience using The Mortgage Brain. Liam and his team were super friendly and helpful. Everything thing was explained really well throughout the process. Would highly recommend and definitely use again.
Fantastic experience using The Mortgage Brain. Liam and his team were super friendly and helpful. Everything thing was explained really well throughout the process. Would highly recommend and definitely use again.
