Endeavour Magic Mortgages

Endeavour Magic Mortgages: whole-of-market mortgage advice from a family brokerage

Endeavour Magic Mortgages is a UK mortgage brokerage set up in January 2024 and run by Mark Collins, who trades under that name as proprietor. The firm operates as an appointed representative of Stonebridge Mortgage Solutions Ltd, a network authorised and regulated by the Financial Conduct Authority, and holds FCA reference 1007248. It describes itself as an appointed representative of one of the largest UK mortgage networks, with access to the whole of market and to 13 of the main protection providers.

The business presents itself as a family brokerage. Mark Collins brings more than twenty years of experience in the mortgage industry; his son Charles has spent over two years learning the trade alongside him, working with a wide range of clients and requirements.

What the brokerage advises on

The site groups its work into seven areas, each with its own entry point:

• Credit issues
• Special help for first-time buyers and renters
• Purchasing a home
• Remortgaging
• Buy to let and investment property
• Overpayments
• Foreign nationals

Alongside the mortgage side, the firm advises on protection, framed as cover in case the mortgage outlasts the borrower and the family is left to deal with it. The scope is explicitly limited: Endeavour Magic Mortgages undertakes credit broking and is not a lender, offers an unrestricted range of first-charge mortgages, and does not provide second-charge lending or bridging finance.

How the process is described

The firm outlines a staged route from an informal initial conversation about whether it can add value to a client's finances, through to the formal FCA-regulated process once the client is ready to proceed. According to the site, no cost arises until the client has full knowledge of the best options available, with a mortgage agreed in principle and a lender credit search completed, and is ready to submit an application.

Fees and commission

Initial mortgage consultations and quotes are free and without obligation. If an application goes ahead, the brokerage charges £99 to process it plus a maximum of £900 on successful completion of the mortgage, an amount that may be reduced depending on requirements and circumstances. It also receives commission from the lender. The site notes that calls may be recorded for training and quality purposes.

Regulatory notices published on the site

The material carries the standard warnings attached to this activity: property may be repossessed if repayments on a mortgage or other debts secured on it are not kept up; remortgaging may trigger an early repayment charge with the existing lender; securing other debts against a home may raise the overall cost of repaying them; and insurance policies carry conditions and exclusions. It also states that not all buy-to-let mortgages are regulated by the Financial Conduct Authority.

Communication and updates

The brokerage maintains a mailing list offering bi-weekly updates on financial news, which it describes as human-written by its own mortgage and protection team. It also points readers to Trustpilot reviews, without a score being stated in the material reviewed.