MFB Independent Mortgage Broker

MFB, independent mortgage broker for landlords, homebuyers and businesses

Mortgage Finance Brokers (MFB) is an independent mortgage broker operating across the UK. Its advisory scope covers buy to let mortgages, homebuyer finance and commercial loans, as well as short-term finance solutions. The firm presents itself as an industry award winner and states it has over 35 years of experience.

The company is regulated by the Financial Conduct Authority (FCA) and is a founder member of the National Association of Commercial Finance Brokers (NACFB), whose Code of Practice it follows. According to its own presentation, it is the only UK mortgage broker to have received NACFB 'Fellowship' status for excellence in customer service and processes.

Buy to let mortgages and commercial finance

MFB's range is organised into several product lines. In the buy to let segment it includes mortgages for first-time landlords, low deposit buy to let mortgages, interest-only buy to let mortgages, buy to let remortgages, limited company borrowing, limited company incorporation, portfolio landlord mortgages and mortgages for HMOs (houses in multiple occupation), as well as various buy to let property types.

In commercial finance, the firm distinguishes between finance for getting started in the sector, commercial investment, owner-occupier properties, semi-commercial transactions and various commercial property types.

It also offers complex mortgages, commission mortgages, contractor mortgages, limited company directors mortgages and later life mortgages. For homebuyers it covers purchase, first-time buyers, remortgages, mortgages for self-employed and keyworker mortgages. It also covers remortgage to consolidate debt.

Short-term finance and complementary services

The short-term finance offered by the company includes bridging finance, refurbishment finance, development finance and auction finance.

Alongside mortgage advice, MFB provides mortgage protection, life insurance, critical illness insurance, income protection insurance, buildings and contents insurance, and landlord insurance. It also offers conveyancing services, landlord tax advice, joining a landlord association, letting agent services and home utilities setup service.

Calculators and client resources

MFB's website makes several calculators available to users: how much can I borrow, buy to let mortgage calculator, fixed rate buy to let mortgage calculator, home mortgage calculator, mortgage repayment calculator, stamp duty calculator, EPC calculator and bridging calculator.

The firm also maintains a resources section with news, blogs, case studies, guides and a dedicated Renters' Rights Bill Hub, where it gathers information and guides to understand the new regulations. It also organises webinars, such as the one titled 'Inheritance Tax & Estate Planning for Portfolio Landlords', available on demand.

Team and service model

MFB's team is made up of mortgage consultants with certifications such as CeMAP, CertBB&C and CB:PSB. Among the professionals the company identifies are Agata Lovelock, Adam Henderson, Andy Elley, Charlie Potter, Chris Unwin, Dillon Cole, Emily Osbaldeston, Leroy Webster, Paul Keddy, Peter Barnes and Robin Tait, with different levels of responsibility, including the position of Head of Commercial.

The company stresses that the same broker supports the client throughout the entire process, with the aim of providing a single point of contact who knows their investment objectives. Its service proposition includes reviewing the application before submitting it to the lender to check that it meets the lender's criteria, and also assisting with conveyancing and insurance needs.

Awards and reviews

MFB states it has won industry awards, including Best Mortgage Broker for five consecutive years, according to its own presentation. Among the accolades it mentions are the Personal Finance Awards as Best Mortgage Broker (up to 39 advisers), the What Mortgage Awards as Best Buy to Let Mortgage Broker and the Top Mortgage Employer 2024.

The website includes client testimonials from 2025 highlighting the service received, the search for the best rates, communication during the process and support with complicated remortgages.

FAQs and contact

The firm publishes an FAQs section, in particular a guide with the top five FAQs for those starting out as landlords. To get in touch, it offers telephone support, call back requests, email and online chat.