We make
mortgages simple

We make mortgages simple

Whatever your situation, we can help find a mortgage that suits you. 

Finding the right mortgage for you

Whatever your circumstances, we will do everything possible to ensure we find a mortgage solution that matches your situation and that you are happy with.

A simpler mortgage journey

Our experienced advisors will work with you to find a mortgage that meets your needs, ensuring the process is as fast and stress-free as possible.

Your mortgage review 
An initial consultation to discuss your mortgage requirements and to gather necessary information.
Your mortgage options
We will present options from thousands of deals and advise you as to what may be the most suitable.
Your application
We offer a fully managed application process so you can relax knowing we will be there for you every step of the way.
Congratulations!
Your mortgage journey is complete.

Common mortgage questions

Mortgages are used to buy a home or to borrow money against the value of a home you already own. A bank or lender loans the money with interest and, in return, the loan is secured against the value of a person’s property. 

With a repayment mortgage, the borrower’s monthly repayment includes interest and capital, therefore the mortgage balance reduces to zero over the term.

With this type of mortgage only interest is paid each month. At the end of the mortgage term the whole of the original loan sum will need to be paid.

This type of mortgage is applied when you’re looking to: change your mortgage to a more competitive rate, obtain a fixed-rate mortgage, raise money for home improvements or consolidate debts.

Yes, this is possible. However, it is important to remember that you are transferring unsecured debt to debt secured against your property and so your home may be at risk if you fail to keep up with your monthly payments. Our advisors can help you with this and suggest suitable options based on your situation.

This mortgage enables you to buy a property that you can rent out to tenants, benefiting from the rental income and potential growth in property prices. This helps to secure future financial independence.

Mallory Finance Limited is an example of a mortgage broker. Brokers are specialist mortgage advisors who will look for a mortgage on a client’s behalf to ensure they get the most suitable fit in terms of the borrower’s financial situation and interest rates. There may be a fee for mortgage advice.

The team at Mallory Financial Limited will take you through your income and outgoings to understand your financial situation. The amount you can borrow will be dependent on these factors and different mortgage options will be discussed with you.

We have access to a large number of lenders, many of which are not found on the high street. We will spend time researching the market to ensure the mortgage offerings suits your needs and situation.

Our aim is to make sure you get the right mortgage offer for your needs. To achieve this, our FCA regulated advisors will guide you through the process step-by-step.

Loan to value (LTV) is the ratio between the value of the loan you take out and the value of the property as a whole, which is expressed as a percentage. For example, if you borrow £200,000 to purchase a property valued at £250,000 then the LTV is £200,000/£250,000 = 0.8 or 80%. The remaining 20% is your equity.

An Agreement in Principle (or AIP) is the first step to getting a mortgage. It lets you know how much you can borrow so you can look at homes in your price range. When you apply for an AIP, the lender will check your credit file to establish whether you’re eligible to borrow from them and if they’re happy to lend you the amount you need.

An ‘Agreement in Principle’ can also be known as a ‘Decision in Principle’ or ‘Mortgage Promise’.

A MIP is a document that indicates how much you can borrow on your mortgage and is useful prior to house hunting. It is more accurate than a mortgage calculator, however, it is only a basic check based on the details you supply and is not a guarantee that you will get a mortgage.

An AIP is the first step of a mortgage application and comes when you are ready to make an offer on a property. You will need to provide specific details on your deposit, income and outgoings as well as details of the specific property. An AIP will involve a credit check and will typically last between 30 and 90 days.

Yes, our advisors are available for telephone appointments in the evenings and at the weekends and will work with the individual to arrange a time and day to suit.

Different mortgage scenarios

Bad (adverse) credit may not prevent you from getting a mortgage. Our experienced team of advisors will be able to guide you through the different options available to you, working with lenders who are happy to work with clients who have a less than perfect credit history.

Yes, our advisors have a wealth of experience in buy-to-let mortgages and will be able to take you through the process step-by-step. 

Under the right circumstances, it is possible to find a mortgage lender who will approve your application. The amount will depend on various factors, our advisors will walk you through the process step by step.

If you are looking to switch your mortgage to a new lender and you are still within your original mortgage rate, you could be faced with an early repayment charge. Our advisors can help guide you through your possible options.

Yes, it is possible.  Your personal circumstances will be taken into account when looking for a lender. However, every situation is different and our advisors will help guide you through your options.

Yes, your bonus may be taken in to account when applying for a mortgage. How this is done will depend upon the lender, whether the bonus is guaranteed and how much you’ve earnt in bonuses previously. This is similar to commission payments. Whatever your financial situation, our advisors will look at all options in order to help you.

Yes, it is possible to borrow based on 1 year of accounts in some circumstances. However, there is more choice when you have been trading for 2 years. The team at Mallory Financial Limited can advise you dependant on your individual situation.

We help make our customers feel happy

Flawless service

It’s not always you get absolutely flawless service so I felt compelled to leave a review of Mallory Financial.
Jayne Knight was extremely helpful, she made sure she listened to all of my needs and catered her service to ensure I was completely satisfied. She went above and beyond. Jayne and Holly are amazing at what they do and I would not go anywhere else in future for any financial advice. You have got 100% excellent service.

Mukhtat A Khan, 2nd April 2024

Extremely efficient and proactive service!

I can’t thank Jayne and Hollie enough for helping my family and I secure a mortgage that suited our particular needs. The process was smooth and transparent, extremely quick – even my estate agent commended their efficiency! All issues were responded to very quickly, and we’re now on our way to securing our new home. Highly recommended.

Lynda Wireko, 3rd May 2024

Jayne is a legend!

Being first-time buyers we had no idea what we were doing! Jayne made the process so simple and understandable which made things much easier to deal with. Jayne has been super responsive throughout; we highly recommend!

Jess Docksey, 29th March 2024

I would highly recommend Mallory Financial

If you need any assistance with mortgage/general refinancing. Your circumstances are irrelevant as they will find a tailored package to suit your needs and make sure you are comfortable with the product by keeping you updated at every step. The speed, professional service and efficiency is another reason why l would recommend Mallory Financial to any family member or friend. I had a lovely lady called Jayne who looked after my case and kept me in the loop at every step. Thank you Jayne for a great service.

Yvonne Martins, 27th March 2024

Extra reassurance with our ‘Service Promise’

Our ‘Service Promise’ provides all our clients with complete peace of mind that, if we can’t find a solution by securing a Decision in Principle, any administration fees paid to date will be refunded in full. 

Important information

  • There may be a fee for mortgage advice

  • Your home may be repossessed if you do not keep up repayments on your mortgage

  • The Financial Conduct Authority does not regulate some forms of buy to lets

  • We do not provide advice on equity release including lifetime mortgages and home reversion schemes and will refer to an approved specialist

  • Think carefully before securing any other debts against your home

We are here to help

Whether you’re looking for a mortgage or protection, we have advisers to support you.
Contact us today to arrange your FREE initial consultation.