MortgageIt

Fee-free mortgage advice for complex circumstances

MortgageIt is a UK mortgage advice firm that presents itself as a free service for the client: it does not charge brokerage fees and is funded by the commission paid by the lender when each mortgage completes. The company maintains that this model does not make the mortgage more expensive for the applicant and that its role is to compare thousands of mortgage products to find the right option for each profile.

The firm's approach is based on the idea that there is no one-size-fits-all solution: how you earn your income, the size of your deposit or any outstanding debts all affect the options available. That is why it takes the time to analyse each client's individual circumstances before suggesting alternatives.

Profiles and cases it handles

The firm lists the following areas of work:

• First-time buyers.
• Remortgaging existing mortgages.
• Self-employed workers.
• Contractors.
• Specific mortgage schemes and programmes.
• Clients with credit issues.
• Home movers.
• Buy-to-let mortgages.

End-to-end handling and flexible service

MortgageIt takes care of gathering the necessary documentation and liaising with the solicitor, the conveyancer and the lender, as well as handling the administrative paperwork. The company states that it offers telephone, online and in-person support, with evening and weekend appointments available on request.

Structure and regulation

MortgageIt operates as a trading style of Mortgage It Limited, a company registered in Scotland with company number SC722711 and registered office at 3 Newmarket Street, Falkirk FK1 1JQ. The company is an appointed representative of HL Partnership Limited, a firm authorised and regulated by the Financial Conduct Authority (FCA) in the UK.

The website includes the usual warning from the UK regulator about the risk of losing your home if you do not keep up your mortgage payments.

Location and contact

3 Newmarket Street, Falkirk FK1 1JQ