The Mortgage Pod

The Mortgage Pod: mortgage advice in Portsmouth and across the UK

The Mortgage Pod is a mortgage broker based on the south coast of England, in Portsmouth, serving clients across the UK. Founded by Steve Humphrey, it was created with the aim of making quality mortgage advice more accessible and simplifying the home-buying process. The company presents itself as an experienced broker that works with a wide network of lenders and offers a personalised service.

Mortgage services for every stage

The firm structures its offering into several main areas:

• First-time buyer: advice and guidance for those buying their first home, including low-deposit options (5%).
• Moving home: support for those moving and needing a new mortgage, with management of porting an existing mortgage.
• Remortgaging: reviewing current mortgages to improve terms, product transfers, analysis of fixed or variable mortgages and repayment calculations.
• Second homes and buy-to-let: financing for second homes, rental investment and arrangements such as let to buy.

In addition, the company offers online calculators and tools to assess affordability, payments, stamp duty and the agreement in principle.

Specialisation in professional profiles and complex situations

The Mortgage Pod has a division specialising in mortgages for professionals in specific sectors. Among the groups served are doctors, dentists, pharmacists, professional footballers, pilots, artists and creators, scientists, vets, accountants and barristers. They also handle cases of borrowers with particular circumstances, such as:

• Mortgages for self-employed people and limited company directors.
• Mortgages for Tier 2 and Skilled Worker visa holders.
• High net worth mortgages.
• NHS mortgages and mortgages for construction workers (CIS).
• Joint borrower sole proprietor mortgages (JBSP).
• Mortgages for non-standard construction properties.

Six-step working process

The company describes its support method in six phases: initial contact, a meeting to understand the client's situation, collection of documentation (identification, income and credit report), managing the application with the lender, continuous communication throughout the process and a final review of the mortgage offer. At this last stage, if the client wishes, they are introduced to a mortgage protection adviser to review life insurance, critical illness, income protection and buildings and contents insurance.

Lender network and reach

The Mortgage Pod states that it searches among thousands of mortgage deals from over 75 different lenders, including products that are not available directly to the public. Its service extends to clients across the UK, although its operational base is in Portsmouth.

Customer reviews

The company shows a rating of 5.0 based on 171 reviews, and highlights communication and customer service as strengths. The testimonials visible on the site mention the professionalism and knowledge of the team.

Location and contact

Phone: 02392 989 610 · Email: janedoes@google.com · Hours: Monday to Sunday from 09:00 to 17:00