Our Locations
Buying a home, refinancing, or investing in property can feel overwhelming at times, especially when you’re trying to make the right financial decisions for yourself and your family. At The Mortgage Mum, we understand that mortgages aren’t just numbers on a page — they’re linked to hopes, plans, and long-term security. As a national mortgage broker in England and Wales, we bring clarity, reassurance, and real support to every stage of your mortgage journey.
About The Mortgage Mum
The Mortgage Mum was created from a simple idea: mortgage advice should feel human. Our team is made up of experienced brokers who genuinely care about helping people move forward with confidence. We take time to listen, understand your circumstances, and explain your options in a clear, calm way. There’s no pressure, no jargon — just personalised guidance from people who want the best for you. Whether you’re buying your first home, reviewing your existing mortgage, or growing a property portfolio, we’re here to help you make choices that truly support your goals.
Buy to Let Mortgages
Investing in rental property across England and Wales can be a smart way to build long-term income, but navigating buy to let mortgages can feel complicated. We support new and experienced landlords in understanding interest coverage ratios, deposit requirements, and lender criteria. Together, we’ll look at your plans, your expected rental income and the type of property you’re purchasing, then help you secure a product that aligns with your investment strategy. Our role is to make the process smoother so you can focus on growing your portfolio with confidence.
Commercial Mortgages
If you’re purchasing or refinancing a business premises — whether that’s a shop, office, industrial unit, or mixed-use property — we offer clear, informed advice on commercial mortgages. Lenders take a detailed view of business performance, projected income and the long-term purpose of the property, which can feel intimidating without support. We’ll guide you through the application, discuss realistic expectations, and help you find a lender who understands your sector. Our aim is to help you secure a space that allows your business to thrive.
First Time Buyer Mortgages
Buying your first home is exciting, but it can also be emotional and stressful. We’re here to steady the process and answer every question, no matter how small. From understanding affordability to exploring schemes that may help, we’ll make sure you know what to expect at each stage. Our team will explain mortgage types in plain language, and support you in choosing an option that fits your budget and lifestyle. Most importantly, you’ll have someone in your corner from beginning to end.
Moving House Mortgages
When you’re moving home, your mortgage is only one part of a very busy picture. We help you check whether porting your current mortgage makes sense or whether switching to a new deal could be more beneficial. With housing markets across England and Wales offering a wide mix of locations and property styles, finding the right mortgage product can take time. We’ll streamline the process and support you through the transition so you can focus on settling into your new home.
Remortgage
Reviewing your mortgage regularly can reduce your monthly payments, release funds for home improvements, or simply give you more financial stability. If your current deal is ending or you’re unsure whether it still suits your needs, we’ll compare lenders, rates, and features to help you make an informed decision. Remortgaging doesn’t have to be stressful — with the right guidance, it can be an opportunity to create more breathing room in your finances.
Specialist Mortgages
Not everyone fits the standard lending mould, and that’s completely normal. If you’re self-employed, have variable income, are buying a non-standard construction property, or have a more complex financial background, we’ll explore specialist mortgage options on your behalf. Our advisors understand how to present your situation clearly to lenders and secure products designed for more unique circumstances. You’ll have practical advice, realistic expectations, and support tailored to your specific needs — all from a trusted mortgage advisor in England and Wales.
About the Housing Market in England and Wales
The property market across England and Wales is diverse, offering everything from urban flats and modern developments to rural cottages and coastal homes. Prices and demand vary widely from region to region, with larger cities typically seeing competitive bidding, while smaller towns and rural areas often offer more space and a steadier pace of growth. Many buyers look for a balance between lifestyle, commuting distance, and long-term affordability, which means there’s usually a healthy mix of options available. Rental demand is consistent in most areas, supported by strong employment hubs, universities, and a steady flow of people relocating for work or lifestyle reasons. Overall, the market tends to remain resilient, shaped by local economies, transport links, and the ongoing need for quality housing.