Mortgage Links

Mortgage Links is a mortgage advice firm based in Sheffield that serves clients across the UK. Incorporated in 2022 as JK Mortgage Links Ltd, it works with first-time buyers, people moving home, homeowners reviewing an existing loan, and landlords financing an investment. The company says its team has more than 50 years of combined mortgage experience and compares products from a panel of more than 90 lenders.

For first-time buyers, the process begins with a review of income, deposit, and borrowing capacity. The team explains costs that often accompany a purchase—such as legal fees, moving expenses, and surveys—and helps clients understand the steps from an initial conversation and Agreement in Principle to a formal application. The company also offers video consultations, which can help people who cannot visit Sheffield.

Home movers can compare transferring an existing mortgage to a new property with applying for a different product. The advice covers the outstanding balance and term, the amount of financing needed, and the effect a new property valuation could have. Mortgage Links can also discuss increasing or reducing a loan, product transfers, and additional borrowing, depending on the case and the lender’s criteria.

The buy-to-let service is aimed at both new landlords and owners expanding an existing portfolio. The firm lists options for individuals and limited companies, holiday lets, houses in multiple occupation, and rental portfolios, as well as purchases, remortgages, and product changes. Each arrangement can have different requirements; the company describes its role as comparing options from its lender panel, not providing automatic approval.

Mortgage Links also offers guidance on life insurance and protection related to a home. During a mortgage application, the team can help assemble documents and coordinate with lenders and other professionals involved in a purchase, from submission through the mortgage offer. The company says it does not charge clients an advice fee directly; it receives a commission from the lender when a mortgage completes. That means no direct advice charge for the customer, while the firm’s compensation depends on the transaction completing.

Incorporated in 2022, the firm says it is authorized and regulated by the Financial Conduct Authority under reference 991196. It also notes that a mortgage secured against a home carries a risk: missed payments can lead to repossession.