Mortgage advice that fits your situation
Whether you're buying your first home, remortgaging, self-employed, moving house or exploring specialist mortgage options — The Mortgage Mum helps you understand what may be possible.
- Access To 100+ Lenders
- Friendly Human Support
- Support For All Types Of Borrowers
- Clear, Jargon-Free Advice
As featured on
As seen across the UK's most trusted media
Our advisers are regularly invited to share mortgage expertise with millions of viewers, listeners and readers nationwide.
Sky News · BBC News · This Morning · HM Treasury · 10 Downing Street · Jeremy Vine
What type of mortgage are you looking for?
Choose the option that best fits your situation and we'll tailor the next steps for you.
See what may be possible
Use our mortgage calculator to estimate how much you may be able to borrow and what your monthly repayments could look like.
- Personalised borrowing range
- Estimated property budget
- Estimated monthly repayments
See what may be possible
Estimate your borrowing and monthly repayments. Takes less than a minute.
Employment type
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Friendly mortgage advice without the confusion
Support From Real Advisers
Friendly humans who explain things clearly — no jargon, no pressure.
Access To A Wide Range Of Lenders
We search across 100+ lenders to find suitable options for you.
Help Understanding Your Options
We break down the choices so you feel confident in your decision.
Guidance Throughout The Process
From your first chat to completion, we're with you every step.
Supporting all types of borrowers
A simple, supportive process
- 01
Tell Us About Your Situation
A few quick details so we understand what you need.
- 02
Explore Suitable Mortgage Options
We look at what may be possible for you.
- 03
Speak To A Friendly Adviser
Talk through your options on a no-pressure call.
- 04
Move Forward With Confidence
We support you all the way through to completion.
Real people, real outcomes
"We had no idea where to start. The team made buying our first home feel completely manageable."
"Switched to a much better deal on our remortgage. The whole process was smooth and stress-free."
"As a freelancer I'd been turned down before. They found a lender who understood my income."
Speak to the Mortgage Mum team
Answer a few quick questions and a friendly adviser will be in touch — no pressure, no obligation.
- Clear, jargon-free advice
- Real advisers, real conversations
- We'll call when it suits you
Common questions
How much deposit do I need?+
Most lenders require at least a 5% deposit, but a larger deposit usually unlocks better rates and more options. Some schemes may help if your deposit is smaller.
Does checking my options affect my credit score?+
An initial chat with an adviser does not affect your credit score. A formal application or some Agreement in Principle checks may leave a footprint — your adviser will always explain in advance.
What is an Agreement in Principle?+
An Agreement in Principle (AIP) is a lender's indication of how much they may be willing to lend you, based on a soft credit check and your financial details. It's helpful when making offers on a property.
Can self-employed applicants get a mortgage?+
Yes. Many lenders accept self-employed applicants, although the documents and how income is assessed vary. We help match you to lenders that suit your situation.
How long does the process take?+
Getting an Agreement in Principle can take a few days. The full mortgage process from application to completion typically takes 6–12 weeks, depending on the lender and property chain.
Not sure where to start?
Speak to a friendly adviser and explore what may be possible for your situation.