Whether you're considering a new home, exploring mortgage options, or thinking about family & personal insurance, we're here to guide you.

At Mr & Mrs Mortgage Broker, we're not just advisors – we're your trusted companions on the journey to homeownership. With a focus on genuine care and a flexible, personalised service, we treat each client like a member of our own family.

Previously based in Ashford, Kent, we relocated to Derbyshire in 2024. Our services are available across the South East of England, where we have an established client base, and we are rapidly expanding in the Midlands. Additionally, we offer expert advice to clients nationwide across the UK, ensuring comprehensive support wherever you are.

Let's embark on this journey together, aiming to make your dreams a reality with Mr & Mrs Mortgage Broker by your side. Welcome home!

At Mr & Mrs Mortgage Broker, we offer personalised mortgage advice that considers your unique financial situation and goals. Whether you're employed, self-employed, or have income from other sources like the Construction Industry Scheme (CIS), we cater to your specific needs.

From remortgaging or purchasing your dream home to tackling complex cases or exploring buy-to-let options, we're here to support you. Additionally, we can guide you through government buying schemes such as Shared Ownership. Let's work together and aim to turn your goals into reality!

Ensuring your peace of mind is our priority. We provide advice on personal and family insurance, ensuring that you and your loved ones can continue to enjoy your home, even in difficult times. Our services include Life Insurance, Critical Illness Insurance, Family Income Benefit, and Income Protection. Let us help you secure not just a home, but a protected and secure future for your family.

We're committed to helping you protect your property against potential risks such as fire, theft, or damage. Our home insurance coverage offers financial protection in the event of unforeseen circumstances, allowing you to repair or replace your home and belongings. This ensures peace of mind and security, so you can rest assured knowing your home is safeguarded.

We've established trusted relationships with a variety of reputable companies, including solicitors, surveyors, will writing firms, financial advisors, and more. Allow us to connect you with these trusted professionals who can further assist you in your journey.

Frequently Asked Questions

What should I do if I’m coming to the end of my fixed rate?

We advise securing a new deal up to six months before your fixed-rate mortgage ends, which most lenders now allow. We work with you through the whole process, ensuring you understand your options and find the most suitable deal. This proactive approach allows us to monitor the market for potential rate changes and provides peace of mind for you.

What mortgage products are available to me?

We offer a range of mortgage products tailored to your needs, including products such as fixed-rate, variable-rate, tracker, and offset mortgages.

What interest rates can I qualify for?

Interest rates depend on factors such as the Bank of England base rate and also your credit score, loan-to-value ratio, and our assessment of your financial situation.

How much can I borrow?

We'll work with you to determine your borrowing capacity, considering factors like your income, expenses, and creditworthiness.

What are the differences between fixed-rate and variable-rate mortgages?

Fixed-rate mortgages provide stability with predictable repayments, while variable-rate mortgages may fluctuate based on market conditions.

What fees are associated with obtaining a mortgage?

There are various fees involved, including arrangement fees, valuation fees, legal fees, and our brokerage fees, which we'll outline for you.

What documentation do I need to provide?

Typically, we'll require documents such as proof of income, bank statements, identification, and details of your existing financial commitments.

How long does the mortgage application process take?

The process can take anywhere from 24 hours to several weeks, depending on factors such as the lender's workload and the complexity of your application, but we'll keep you informed throughout.

What factors affect my mortgage eligibility?

Eligibility is influenced by factors like your income, credit history, employment status, existing debts, and affordability, which we'll assess together.

Can I get a mortgage with bad credit?

It's possible, although options may be limited, and you may face higher interest rates. We'll explore the most suitable options available to you.

Do I need a deposit to get a mortgage?

Most lenders require a deposit, typically ranging upwards from 5% of the property's value, we'll help you find the most suitable solution for your circumstances.

How does the mortgage approval process work?

Lenders assess your financial situation, conduct affordability checks, and evaluate the property's value before making a decision. We'll guide you through each step.

What happens if I miss a mortgage payment?

Missing payments can have consequences, including late fees, damage to your credit score, and the risk of repossession. It's always best to speak to your lender sooner rather than later, as they might be able to support you through a difficult time.

Can I overpay on my mortgage, and are there penalties for doing so?

We will help you understand whether your mortgage allows overpayments and if there are any penalties involved. We'll provide clear guidance tailored to your specific mortgage terms, ensuring you can make informed decisions aligned with your goals.

What are the penalties for early repayment or remortgaging?

Penalties vary depending on the lender and mortgage product, often involving early repayment charges or exit fees, which we'll explain to you upfront.

How can I improve my credit score to qualify for a better mortgage rate?

We can provide guidance on improving your credit score, such as paying bills on time, reducing debts, and correcting any errors on your credit report.

What type of mortgage is best suited for my financial situation and goals?

We'll assess your circumstances and goals to recommend the most suitable mortgage product for you, ensuring it aligns with your needs and aspirations.

Do you provide advice on insurance?

Absolutely. We offer advice on various types of Personal & Family insurance to ensure you have comprehensive coverage tailored to your needs. This includes advising on options such as mortgage life insurance, critical illness cover, income protection and Buildings & Contents Insurance. We provide you with transparent advice, helping you make informed decisions to protect your home personal, family and home.