No call centres. No waiting weeks for an appointment. Just an experienced, whole-of-market broker — ready to chat when you are, whether that's a quick question or a proper conversation.
These are the conversations happening on sofas across the UK right now. You're not alone — and the answers might be better than you think.
Absolutely not. Many first-time buyers are in their 30s and 40s. I'll look at your income, savings, and credit history and show you exactly what's possible — often it surprises people.
Ask me tonight →It depends on your situation, but yes — 5% is often enough to get started. I can walk you through current schemes and lenders that could work for your deposit level right now.
Ask me tonight →This is where brokers earn their worth. Some lenders use your latest year's profit, others average two or three years. I know which lenders suit which self-employed situations best.
Ask me tonight →Non-standard properties — thatched, listed, high acreage, steel frame, ex-local authority — can be trickier but are absolutely do-able. The key is knowing which lenders are open to them.
Ask me tonight →Complex income is my speciality. Lenders treat overtime, bonuses, and second incomes very differently. I match your income type to the right lender so none of it goes to waste.
Ask me tonight →Missed payments, defaults, even a past CCJ — doesn't automatically mean no. There are specialist lenders who look at the full picture. Let's see where you actually stand.
Ask me tonight →Porting can save you from an early repayment charge — but it's not always the best option. I'll compare your current deal against the market so you genuinely know your best move.
Ask me tonight →You can lock in a new rate up to 6 months before your deal ends — no commitment needed. I monitor the market and will tell you the right moment to act so you never get stuck on a high rate.
Ask me tonight →Gifted deposits, guarantor mortgages, Joint Borrower Sole Proprietor — there are more ways than ever to help family get on the ladder without putting your own home at risk.
Ask me tonight →Use live chat, WhatsApp or give us a call. No forms, no waiting rooms, no 45-minute hold music. Just a message and you're talking to a real broker.
I ask the right questions to understand your full picture — income, deposit, property, goals. Then I search the whole market for the best-fit options.
No jargon. Just plain-English guidance on what's possible, what it'll cost, and what to do next. When you're ready to proceed, I'm with you every step of the way.
"Over 20 years I've seen every mortgage situation imaginable. Most people just need someone to cut through the noise and give them a straight answer. That's what I'm here for."
The big banks make you wait. Price comparison sites give you a list. I give you advice — from a qualified, experienced broker who actually listens.
Whole-of-market: I'm not tied to any lender. I search hundreds of deals to find the right one for you.
No pressure, no hard sell: Ask your question. Get your answer. Decide at your own pace.
Complex cases welcome: Self-employed, unusual properties, credit blips — these are where a broker makes the real difference.
Evenings & weekends: Because that's when couples sit down and actually have these conversations.
No appointment. No commitment. Just an expert ready to answer your mortgage questions — right now.
Your home may be repossessed if you do not keep up repayments on your mortgage. There is no fee for mortgage advice. Chat My Mortgage is a trading name of Portia Financial Solutions Limited, an appointed representative of Rosemount Financial Solutions (IFA) Ltd which is authorised and regulated by the Financial Conduct Authority. FCA reference: 535515.