Fast & friendly mortgage advice with a human touch​

Aiden Triggs
Aiden Triggs
Joe has been great to deal with. From the initial call to arranging our mortgage in principle to the application being processed and approved, he answered all of our questions. Would highly recommend using Mortgage HQ as a first time buyer.
Charlotte Cassidy
Charlotte Cassidy
Joe has been absolutely incredible supporting us through the mortgage process. He has been in constant communication with us every step of the way and he has gone above and beyond to assist us with securing our mortgage. We are so grateful for everything. ♥️
Olufunmi Odujinrin
Olufunmi Odujinrin
Very happy with the service provided by Mortgage HQ. Sam has been very helpful and patient answering my million and one questions and made the whole process seem relatively easy. Would definitely recommend!
Lucy Waters
Lucy Waters
Joe has been truly amazing. After an exceedingly unpleasant experience with a different mortgage broker, we were 10 weeks in and still no mortgage offer. We felt lost and like it wasn’t going to happen for us. We reached out to Joe for advice. He guided us through the process. Answering all the questions we had and kept us in the loop the whole time. Soon after submitting our application we received an offer. The whole process with Joe was effortless and I couldn’t recommend him enough. Thank you so much for helping us.
Newton Family
Newton Family
Joe has been a mortgage advisor for over a year (with the rising interest rates and sky high house prices it’s been a frustrating market for first time buyers!!). Joe has been amazing from start to finish, not only did he have the patience with us being first time buyers and asking a million questions he always goes above and beyond with his attention to detail and getting to really know us and our situation in order to give us the best possible tailored advice. Thanks for being great Joe x
Cyndi Dodd
Cyndi Dodd
We have used Mortgage HQ for our recent mortgage application, namely Sam Tooze who has been brilliant throughout the whole process, keeping us informed of any updates. The process has been swift and dealt with professionally by Sam. Highly recommend, will definitely be using them in the future.
Kayleigh Chering
Kayleigh Chering
I’ve been using Joe for years for my mortgages, as has my mum. We both get a fantastic service and are always very confident that we are in the best hands with Joe. He keeps us in the loop throughout the process and nothings ever too much trouble. Wouldn’t ever use anyone else now.

Dear future mortgage customer,

We understand.  Arranging a mortgage isn’t as easy as it used to be. In fact, it can actually be quite a challenging process.

How much can I borrow? What’s the process? Which bank should I use?  What about a survey? Do I need one? Is it different from a valuation? Who arranges that?

Oh, and then there’s life insurance, do I need it?

To make things worse, you’re being bamboozled by friends, expressing how their recent move was the single most stressful thing they have done. Or your uncle’s mate ‘John’ down the pub. Apparently, he’s recently qualified as a mortgage broker and can “sort you out”.

Sounds exhausting.

The weird thing is, no one actually wants a mortgage. It’s a tool to help you reach your actual goal…buying a property. 

Frustratingly, this is the modern-day mortgage process…

…but it doesn’t have to be.  Wouldn’t it be nice if there was a mortgage broker that could help with the process? 

The whole process.

Enter Joe & Sam.

Two good friends, and the creators of Mortgage HQ, the modern mortgage broker. 

Our aim is to provide expert, friendly, affordable mortgage advice.

From working out whether buying is right for you, building your plan, right through to collecting your keys (or completing on your remortgage).

Due to the wonders of modern technology, we can offer mortgage advice throughout the UK. Or if you’re lucky enough to live close to us, you can pop into the office. ​

So what’s the process?  ​

The Process

Step 1
Free strategy session

We’ll have an initial chat to run through your property goals and develop a clear plan on how to achieve them. We’ll discuss affordability, budget and run through tips and tricks that will help you secure your dream home. 

Step 2
Mortgage in principle

With the information gathered, it’s time to obtain a mortgage in principle. This is a certificate from a lender showing that you’re able to borrow the required funds. 

Step 3
Make an offer

Armed with a Mortgage in Principle, you are now in a position to find your dream home! Once you’ve found the right one for you, you’ll need to make an offer, which we are more than happy to assist with. 

Step 4
Apply for a mortgage

Congratulations! Your offer has been accepted. Now we need to apply for the mortgage. We’ll check to see if any of your circumstances have changed, and then we will provide a recommendation on the right mortgage for you.  

Step 5
Instruct a solicitor

You’ll need a solicitor to handle the legal process involved with transferring ownership of the property to you. We are able to recommend solicitors for you if required. 

Step 6
Property survey

You’ll need a solicitor to handle the legal process involved with transferring ownership of the property to you. We are able to recommend solicitors for you if required. 

Step 7
Mortgage offer issued

Once the lender has carried out their underwriting checks, they will issue the mortgage offer. The solicitor will check through to make sure everything is in order. They will then exchange contracts – this is when you’ll pay your deposit to your solicitor. 

Step 8
Collect your keys

Time to pop the champagne! You’ve completed! Get ready to pick up the keys and move in. 

what can we help with?

Work with us, and have access to 90+ lenders and 12,000 mortgage products.

Contact Us

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