The Mortgage Genie

The Mortgage Genie: online mortgage and protection advice

The Mortgage Genie is an online mortgage broker operating with access to over 90 UK lenders. Its activity focuses on intermediation for purchase mortgages, remortgages, buy-to-let and commercial property finance, as well as arranging protection insurance. The firm presents itself as regulated by the FCA (Financial Conduct Authority) and combines digital tools with personalised advice from qualified advisers.

Mortgage services for different situations

The company structures its offering based on the client's profile. For first-time buyers, it offers affordability analysis and lender selection with criteria tailored to each case. For remortgages, it compares current market conditions with the existing lender's product transfer offer to calculate potential savings. For self-employed individuals — sole traders, contractors or limited company directors — it works with lenders that accept complex income, such as best year, retained profit, day rates or umbrella pay. In the buy-to-let segment, it compares options for both individuals and limited company structures, whether for a first investment or a growing portfolio.

Financial protection and insurance

The broker also offers protection insurance through a panel of insurers. Products include life insurance, critical illness cover, income protection insurance and buildings and contents insurance. The company notes that prices depend on age, health status and the level of cover taken out.

Commercial property finance

For those buying commercial premises or investing in commercial property, The Mortgage Genie offers a starting point with its team, which analyses needs and seeks the most suitable route, including referral to a specialist partner when necessary.

Digital tools and hybrid advice

The firm makes mortgage calculators, a property intelligence tool (Sienna Property Intelligence®) and a mortgage monitor available to users. Clients can explore information and model scenarios without obligation, and at any time request the involvement of a qualified adviser. The company describes its model as a combination of technology and regulated advice, where the final recommendation rests with a professional.

Process, timescales and costs

According to published information, the initial consultation is free and without obligation. If the client decides to submit an application, a broker fee may apply which, in complex cases, typically ranges from £199 to £299, capped at 1% of the loan amount or £650, whichever is lower. The exact amount is communicated and agreed in writing before any chargeable work begins. In addition, lenders may pay a procuration fee on completion. As for timescales, most clients receive a mortgage offer within 2 to 4 weeks of submitting their application; some straightforward cases can complete in as little as 10 days. The company states that it can give an indicative idea of how much could be borrowed in less than 20 minutes.

Client profile and coverage

The Mortgage Genie serves first-time buyers, home movers, remortgage applicants, self-employed individuals, buy-to-let investors and people interested in financial protection. The firm states that it works with specialist lenders that do not usually deal directly with the public and that its panel includes options for profiles with complex income or adverse credit history. The company also advises on government schemes such as Shared Ownership and notes that it is possible to get a mortgage with a deposit of as little as 5% with major UK lenders.

Service and availability

The team handles enquiries by phone and WhatsApp during office hours. The company states that it responds in under an hour and that clients can contact via WhatsApp at any time, with a reply during opening hours.

Location and contact

Phone: 0191 580 9890 · Email: hello@themortgagegenie.co.uk