We work for you — not the banks. A mortgage adviser gives you access to a wide range of mortgage deals from across the market, including many exclusive rates you cannot get directly from lenders.
Your Mortgage Adviser
You have your own story, goals, and circumstances — and we build mortgage solutions that fit you perfectly. Whether your needs are straightforward or more complex, we listen carefully and find the right path forward.
Take a look through our site to explore the wide range of loans we offer. If you don't see exactly what you need, simply get in touch with one of our expert mortgage brokers across the UK. We're always happy to have a friendly, no-obligation conversation to help you move forward.
How can we help?
Homeowner
- Mortgages for First Time Buyers A comprehensive guide for first-time buyers covering deposits, mortgage types, affordability, interest rates, key costs, and the application journey.
- Mortgages for Home Movers Moving home with a mortgage? Learn how porting, switching lender, using equity and borrowing more or less can work—plus the key costs, timing issues and next steps for home movers.
- Mortgages for Home Owner Remortgage A clear overview of remortgaging: why homeowners remortgage, the typical process, potential pros and cons, and what to consider when switching deals.
Landlords
- Mortgages for HMO Purchase Buying an HMO? Compare HMO buy-to-let mortgage products and stress-test rental coverage against specialist lender criteria.
- Mortgages for HMO Remortgage Remortgaging an HMO? Compare remortgage products, review timing and stress-test room-by-room rental coverage.
- Mortgages for Holiday Let Purchase Buying a holiday let? Compare holiday let mortgage products and stress-test short-term rental income against lender criteria.
- Mortgages for Holiday Let Remortgage Remortgaging a holiday let? Compare remortgage products, review timing and stress-test short-term rental coverage.
- Mortgages for Landlord Purchase Buying a rental property in your personal name? A personal-name buy-to-let mortgage is assessed primarily on the rental income the property is expected to generate.
- Mortgages for Landlord Remortgage
- Mortgages for Limited Company Purchase Buying a rental property through a limited company or SPV? Compare limited company buy-to-let products and find the right structure for your portfolio.
- Mortgages for Limited Company Remortgage Remortgaging a property held in a limited company or SPV? Compare remortgage products and review timing, equity release and portfolio strategy.
Other
- Mortgages for Commercial Properties A specialist overview of commercial property finance and how commercial mortgage brokerage supports complex funding structures across the UK.
- Mortgages for Development A specialist overview of development finance, how it’s typically structured, and what lenders often look for—written for home buyers, buy-to-let investors, and commercial developers.
Mortgages for First Time Buyers
A comprehensive guide for first-time buyers covering deposits, mortgage types, affordability, interest rates, key costs, and the application journey.
Read moreMortgages for Home Movers
Moving home with a mortgage? Learn how porting, switching lender, using equity and borrowing more or less can work—plus the key costs, timing issues and next steps for home movers.
Read moreMortgages for Home Owner Remortgage
A clear overview of remortgaging: why homeowners remortgage, the typical process, potential pros and cons, and what to consider when switching deals.
Read moreMortgages for HMO Purchase
Buying an HMO? Compare HMO buy-to-let mortgage products and stress-test rental coverage against specialist lender criteria.
Read moreMortgages for HMO Remortgage
Remortgaging an HMO? Compare remortgage products, review timing and stress-test room-by-room rental coverage.
Read moreMortgages for Holiday Let Purchase
Buying a holiday let? Compare holiday let mortgage products and stress-test short-term rental income against lender criteria.
Read moreMortgages for Holiday Let Remortgage
Remortgaging a holiday let? Compare remortgage products, review timing and stress-test short-term rental coverage.
Read moreMortgages for Landlord Purchase
Buying a rental property in your personal name? A personal-name buy-to-let mortgage is assessed primarily on the rental income the property is expected to generate.
Read moreMortgages for Landlord Remortgage
Read moreMortgages for Limited Company Purchase
Buying a rental property through a limited company or SPV? Compare limited company buy-to-let products and find the right structure for your portfolio.
Read moreMortgages for Limited Company Remortgage
Remortgaging a property held in a limited company or SPV? Compare remortgage products and review timing, equity release and portfolio strategy.
Read moreMortgages for Commercial Properties
A specialist overview of commercial property finance and how commercial mortgage brokerage supports complex funding structures across the UK.
Read moreMortgages for Development
A specialist overview of development finance, how it’s typically structured, and what lenders often look for—written for home buyers, buy-to-let investors, and commercial developers.
Read moreHow it works
Tell Us About You
Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.
Mortgage Match
We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.
Meet your Expert
We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.
Our Lender Partners
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Some of our happy clients
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Best Buy Mortgages
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Our Mortgage Tools
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Expert Insights
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What does a mortgage adviser do?
We work for you — not the banks. A mortgage adviser gives you access to a wide range of mortgage deals from across the market, including many exclusive rates you cannot get directly from lenders.
We take the time to understand your individual situation and goals, then search for and recommend the most suitable mortgage for you. Once you choose a deal, we handle the heavy lifting. We review your application thoroughly, make sure all the paperwork meets the lender's requirements, and submit everything correctly. This helps your application run smoothly and saves you time and potential costs.
Our support does not stop there. Our brokers and client relationship managers keep you updated throughout the process. We can also help with your conveyancing and insurance arrangements so everything moves forward in one place.
Why a Mortgage Adviser and not your Bank?
When financing a property purchase or remortgage, you have two routes: a Bank Salesman or a Mortgage Adviser. We insist your bank is the worst option. If you don't choose us, do choose another mortgage adviser.
| Aspect | Using a Mortgage Broker | Going Direct to a Lender |
|---|---|---|
| Choice & Access | Market-wide search across high-street and specialist lenders, including exclusive broker-only deals | Limited to that one lender's products only |
| Advice & Suitability | Independent, regulated advice tailored to your goals | No independent comparison; potential product sales bias |
| Credit Impact | Soft search for initial research; we minimise unnecessary hard checks | Risk of multiple hard credit checks if you shop around yourself |
| Criteria & Complex Cases | Access to options for self-employed, multiple incomes, and adverse credit (IVAs, DMPs, defaults, CCJs) | Stricter lending criteria; higher chance of being declined |
| Speed & Admin | We handle the paperwork and liaise with lenders to keep things moving | You chase the lender yourself; progress can be slower |
| Rate Monitoring | We lock in a rate early and switch to a better one if suitable rates appear before completion | Limited to updates from that one lender |
| Ongoing Support | Full monitoring of your mortgage with timely reminders before rates change or deals end | You must track all dates and changes yourself |
| Fees & Transparency | All initial advice is free. Any broker fee is clearly disclosed upfront and only applies if you proceed | Bank product fees vary; advice is often more limited |
Free Initial Mortgage Advice
You can get all the initial mortgage advice you need — completely free.
We only charge a fee if you successfully complete on a mortgage we arrange for you. If you decide not to proceed, change your mind, or withdraw at any point, there is no charge at all.
This means you can ask every question, explore your options, and take all the time you need without any financial pressure.
We believe in keeping things simple, transparent, and focused entirely on what works best for you.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- [email protected]
- Postal address
-
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
Looking for a career in Mortgage Advice? View job openings.
Ask us a question!
We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX