Mortgage One

Mortgage One: whole-of-market mortgage advice for UK and overseas clients

Mortgage One is a specialist UK mortgage brokerage operating as a single-adviser practice. It provides whole-of-market mortgage advice, meaning it can access products from high street banks, building societies, specialist lenders and private banks rather than being tied to a single lender. The firm works with residential buyers, buy-to-let investors, expats and seafarers, and offers a free initial consultation.

The brokerage is a trading style of Sandsea Capital Ltd, an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (Register No. 440703). Sandsea Capital Ltd is registered in England and Wales (CRN No. 11374947).

Adviser background and qualifications

Mortgage One is run by Matt Moffat, a qualified mortgage adviser with three decades of experience in global capital markets. Before moving into mortgage advice, he worked in fixed income, rates and structured products across institutional markets in London, Tokyo, Singapore, Australia, Hong Kong and New York. That background informs the firm's approach to lender pricing, swap markets and product availability.

Matt holds the CeMAP (Certificate in Mortgage Advice and Practice), CeRER (Certificate in Equity Release) and MLIBF (Member of the London Institute of Banking and Finance) qualifications.

Client profiles and areas of expertise

Mortgage One advises clients across the UK and overseas. Its core areas of expertise include:

• First-time buyers navigating their first purchase, deposit planning and affordability.
• Homeowners moving home or reviewing existing mortgage arrangements.
• Remortgaging, including product transfers, capital raising and reviewing whether to stay or switch.
• Buy-to-let investors purchasing, refinancing or reviewing portfolio structure.
• Expats arranging UK mortgages from abroad, including cases involving overseas income, foreign currency and non-standard residency.
• Seafarers and offshore workers whose rotational working patterns, contract types and income documentation require specialist lender knowledge.
• Self-employed applicants, including company directors, contractors and those with complex income structures.
• Later life borrowers exploring equity release or retirement lending options.

Many cases involve more than one category, such as an expat buying a buy-to-let through a limited company, a seafarer remortgaging a residential property while offshore, or a self-employed applicant with a complex income mix.

Mortgage services

The firm's residential service covers first purchases, remortgages and capital raising, with a whole-of-market search to match the mortgage to the client's circumstances. For buy-to-let, Mortgage One assists first-time landlords, portfolio investors and those buying through a limited company with structuring their finance.

Specialist lending support includes expat mortgages, seafarer mortgages, equity release, bridging finance (by referral) and other specialist mortgage solutions for complex cases. The firm notes that the Financial Conduct Authority does not regulate some buy-to-let mortgages and some bridging loans, and that requests for bridging loans are on a referral-only basis.

Working method

Every case begins with a free initial consultation, usually conducted over Zoom so that there is a face-to-face conversation before any work begins. As a single-adviser practice, Matt handles every case personally from initial consultation through to completion, without handoffs to junior colleagues or a call centre. The firm states that capacity is limited by design, focusing on thorough, well-prepared advice on each case rather than processing volume.

Mortgage One is open seven days a week, 10:00am–8:00pm UK time.

Tools and resources

The website includes mortgage guides, a news archive, calculators (including a 2026 stamp duty calculator and a borrowing calculator), a rate forecast, current rates and a credit report service. It also lists a complaints procedure and a complete mortgage library, and mentions Islamic finance services.

Registered office

The registered office is 555-557 Cranbrook Road, Gants Hill, Ilford, Essex, England IG2 6HE.