Hello Mortgage

Hello Mortgage, independent mortgage broker in South Shields

Hello Mortgage is a mortgage broker operating across the whole UK market under the trading style of MyInfinity Finance Limited, a company registered in England and Wales with its registered office in South Shields (Tyne & Wear). The firm presents itself as an independent, whole-of-market broker, which in its own description means it can search thousands of mortgage deals rather than being limited to the catalogue of a single lender.

Its activity focuses on mortgage and protection advice, with a fee model that the company describes as unusual: the first consultation is free and it only charges if the client completes a mortgage arranged by the firm. According to its own account, it does not apply charges if the transaction does not complete, which allows clients to ask questions, change their mind or withdraw at no cost.

Mortgage products it advises on

Hello Mortgage's service catalogue covers different borrower profiles and financing needs. Among the products the firm states it can advise on are:

• First-time buyer mortgages.
• Mortgages for clients with a poor credit history (bad credit).
• Mortgages with 100% of the property value financed (100% LTV).
• Mortgages with only a 5% deposit (95% LTV).
• Remortgage or switching mortgage to improve terms, release equity or change the term.
• Buy to let mortgages for investors, both beginners and those with a portfolio.
• Equity release to unlock tax-free cash from the value of the home.
• Bridging finance.
• Insurance and protection products linked to the mortgage transaction.

The website also mentions more than twenty additional products within the mortgage and protection area, without detailing them in the material analysed.

How the advice process works

The firm describes a three-step procedure. The client completes an enquiry form or calls by phone; then a local adviser makes contact to analyse their needs; and finally the broker searches the whole market for the best-fitting deals. Hello Mortgage stresses that the initial enquiry does not affect the applicant's credit score.

The service relies on qualified advisers and the firm's declared independence. The company states that advice is tailored to each situation and that it supports the client throughout the entire mortgage process, from the first conversation to completion.

Tools and guides for clients

In addition to personal advice, Hello Mortgage maintains a set of calculators and guidance guides on its website. The calculators include those for stamp duty, repayment instalments, loan amount and loan-to-value percentage (LTV). The published guides cover topics such as shared ownership mortgages, 85% LTV mortgages, capital repayment mortgages and divorce or separation situations. The website also includes a help service called Hello Helpdesk.

Corporate structure and regulation

Hello Mortgage is a trading style of MyInfinity Finance Limited, a company incorporated in England and Wales with company number 08469710 and registered office at 10 Waverley, Waverley Business Park, South Shields, Tyne & Wear, NE33 1LE. The company is authorised and regulated by the Financial Conduct Authority under number 672182. The registration also includes a DPA number (ZA002246) and a VAT number (347 344 491).

The company warns on its website that the home may be repossessed if loan repayments are not kept up.

Office and service

The firm operates from its registered office in South Shields and serves clients in various parts of the United Kingdom, according to the testimonials collected on its own website, which mention locations such as Durham, Preston, Newcastle, South Shields, London, Sunderland, Goole, Bournemouth, Purfleet and Bradford. The main contact phone number listed on the site is 0800 292 2557, and the email address given is hello@hellomortgage.co.uk.

Location and contact

10 Waverley, Waverley Business Park, South Shields, Tyne & Wear, NE33 1LE · Phone: 0800 292 2557 · Email: hello@hellomortgage.co.uk