At our core, we pride ourselves on being flexible and client-focused. We understand that life doesn’t always fit neatly into a 9–5 schedule, which is why we offer appointments outside of standard working hours to suit your availability. Whether it’s an evening call or a weekend chat, we’re here when you need us—ready to answer questions, provide support, and keep things moving at a pace that works for you.
At Mr and Mrs Mortgage Broker, we’re not just advisors – we’re your trusted companions on the journey to homeownership. With a focus on genuine care and a flexible, personalised service, we treat each client like a member of our own family.
Previously based in Ashford, Kent, we relocated to Derbyshire in 2024. Our services are available across the South East of England, where we have an established client base, and we are rapidly expanding in the Midlands. Additionally, we offer expert advice to clients nationwide across the UK, ensuring comprehensive support wherever you are.
Let’s embark on this journey together, aiming to make your dreams a reality with Mr and Mrs Mortgage Broker by your side. Welcome home!
Frequently Asked Questions
We advise securing a new deal up to six months before your fixed-rate mortgage ends, which most lenders now allow. We work with you through the whole process, ensuring you understand your options and find the most suitable deal. This proactive approach allows us to monitor the market for potential rate changes and provides peace of mind for you.
We offer a range of mortgage products tailored to your needs, including products such as fixed-rate, variable-rate, tracker, and offset mortgages.
Interest rates depend on factors such as the Bank of England base rate and also your credit score, loan-to-value ratio, and our assessment of your financial situation.
We’ll work with you to determine your borrowing capacity, considering factors like your income, expenses, and creditworthiness.
Fixed-rate mortgages provide stability with predictable repayments, while variable-rate mortgages may fluctuate based on market conditions.
There are various fees involved, including arrangement fees, valuation fees, legal fees, and our brokerage fees, which we’ll outline for you.
Typically, we’ll require documents such as proof of income, bank statements, identification, and details of your existing financial commitments.
The process can take anywhere from 24 hours to several weeks, depending on factors such as the lender’s workload and the complexity of your application, but we’ll keep you informed throughout.
Eligibility is influenced by factors like your income, credit history, employment status, existing debts, and affordability, which we’ll assess together.
It’s possible, although options may be limited, and you may face higher interest rates. We’ll explore the most suitable options available to you.
Most lenders require a deposit, typically ranging upwards from 5% of the property’s value, we’ll help you find the most suitable solution for your circumstances.
Lenders assess your financial situation, conduct affordability checks, and evaluate the property’s value before making a decision. We’ll guide you through each step.
Missing payments can have consequences, including late fees, damage to your credit score, and the risk of repossession. It’s always best to speak to your lender sooner rather than later, as they might be able to support you through a difficult time.
We will help you understand whether your mortgage allows overpayments and if there are any penalties involved. We’ll provide clear guidance tailored to your specific mortgage terms, ensuring you can make informed decisions aligned with your goals.
Penalties vary depending on the lender and mortgage product, often involving early repayment charges or exit fees, which we’ll explain to you upfront.
We can provide guidance on improving your credit score, such as paying bills on time, reducing debts, and correcting any errors on your credit report.
We’ll assess your circumstances and goals to recommend the most suitable mortgage product for you, ensuring it aligns with your needs and aspirations.
Absolutely. We offer advice on various types of Personal & Family insurance to ensure you have comprehensive coverage tailored to your needs. This includes advising on options such as mortgage life insurance, critical illness cover, income protection and Buildings & Contents Insurance. We provide you with transparent advice, helping you make informed decisions to protect your home personal, family and home.
Get In Touch
Considering a new home or exploring mortgage options? At Mr & Mrs Mortgage Broker, we’re here to guide you every step of the way with personalized advice and genuine care.