The Mortgage Branch

The Mortgage Branch: mortgage brokerage for purchase, remortgage and investment

The Mortgage Branch is a mortgage brokerage operating in the UK and presents itself as a personalised advice service. Its team has over 50 years of broking experience and, according to the company's own data, has served 2,000 clients in the last three years. The firm states it has access to over 1,000 mortgages and a 98% success rate, and declares it works with a wide range of lenders.

Mortgage products

The brokerage's range covers both residential and investment mortgages. Among the types it details are:

• Home purchase and first-time buyer.
• Moving house.
• Remortgage or refinancing.
• Buy-to-let (BTL) for individual investors.
• House of Multiple Occupancy (HMO).
• Individual or portfolio BTL.
• BTL through a limited company.
• Specialist mortgages for high net worth clients.
• Holiday let.
• Retirement interest-only mortgage.
• Second home.
• Later life lending.

Insurance and protection

In addition to mortgage broking, the company offers protection products: life insurance, income protection insurance, critical illness cover and buildings and contents insurance.

Client profile and complex cases

The firm says it serves everyone from first-time buyers to investors starting out in property and landlords with established portfolios. The team states it has expertise in unusual transactions, such as HMOs and large portfolio landlords requiring specialist advice. It also offers guidance for those who want to prepare for their mortgage future or are looking for the best option for their property portfolio.

Service and support

The brokerage describes a support model that includes dedicated case managers once the application is submitted, with daily access to updates and the ability to speak to people working directly on the file. The company states that this administrative support helps reduce the time between application and offer. It also provides post-completion support: according to its approach, the service extends for the life of the mortgage taken out.

The firm emphasises that it explains to the client, in clear language, the mortgage they are going to take out and resolves any questions that arise. It also states that it informs honestly when an option is not viable and, in that case, suggests achievable alternatives or a plan to achieve the goals.

Mortgage monitoring

The Mortgage Branch has launched a platform that allows anyone with one or more mortgages to automatically track and review thousands of mortgages daily, in order to check whether the one taken out remains the right option.

Commitment to the environment

The company works with Gloucestershire Wildlife Trust, its long-standing charity partner, and pledges to plant a tree in the client's name when their mortgage completes.

Advice costs

The website warns that there may be a fee for mortgage advice. The amount depends on the client's circumstances, with a maximum of 1% and a typical fee of £495. It also reminds that the home may be repossessed if payments are not kept up.