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Finding a mortgage that’s right for you, no matter your circumstance.


What type of mortgage should I get?

There are literally thousands of different types of mortgages on the market, and choosing one can be daunting. Don't worry though our experienced mortgage advisors will find the perfect deal for you


Independent Expert Advice

Call back within 24 Hours

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form and we will call you back.

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5 reasons to choose OMB

Expert advice

We have been providing solutions to our clients for many years and continue to be the most trusted and referred to mortgage brokers.

All credit considered

Securing a mortgage can be testing at the best of times. If you’ve got a poor credit history, it can be even tougher. Luckily, we can help you secure a mortgage, even if you’ve had a previously poor credit rating.

So many clients trust us

We’ve helped hundreds of people with their mortgages, let us find the perfect match for you.

Open 7 days a week

We love what we do that’s why we are open 7 days week for you.

Get a free no obligation quote

Our expert advisors are on hand to answer your questions and find you the most suitable solution for you.

Get to know our mortgage broker

Our Mortgage Broker Limited was found with one goal in mind, being the most trusted, referred and sought after residential and commercial broker in the UK.


Our Team

Specialists, hired in key areas that work synergistically with each other.

Each member plays an integral role in our vision to deliver the very best client experience possible.


Akhil Mair has always been helpful and responsive with the purchase of our new home. We would definitely recommend him and would use him again in future.

Mr Langridge - 5 / 5

It was a pleasure to work with Akhil and team, unfortunately same can’t be said about lenders in these current times. All the best and see you on the next deal.

Mr Hassen - 5 / 5

Akhil has been an absolute pleasure to deal with. His communication is astounding. No question is too small and his replies are prompt at all times - including evenings and weekends.

Mr Sharod-Southam - 5 / 5

Akhil Mair has been extremely helpful with the purchase of our new home. He works hard and is always responsive. We will be using him for all our mortgage needs moving forward.

Mr and Mrs Abt - 5 / 5

Akhil is a fantastic advisor. Hugely knowledgeable and highly responsive. He is always available and makes you feel like nothing is too much trouble, even when one asks dozens of elementary questions! I will certainly call upon him again in the future.

N.P - 5 / 5

Needed to get my re-mortgage done quickly for my BTL - and Akhil turned it around very quickly, efficiently whilst advising the best possible solutions. Highly recommend if you are in need of a broker!.

JP - 5 / 5


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Why choose OMB?

  • Expert advice
  • All credit considered
  • So many clients trust us
  • Open 7 days a week
  • Get a free no obligation quote

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Getting a mortgage FAQs

Can’t find what you are looking for?

Our friendly mortgage advisors are always happy to help, no matter your credit score, so call us for a free, no obligation chat.
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What is a Mortgage?

A mortgage is a loan from a bank or building society that enables you to purchase property. The loan is repaid with interest over a number of years, with the term for doing this dependent on your personal financial circumstances.

A mortgage can be held by an individual or jointly between one or more people, but if you do not keep up your repayments, your home could be repossessed by the lender.

Will i be accepted for a Mortgage?

All mortgage lenders have their own criteria. The following factors all play a part in determining their mortgage offer and how much they are willing to lend to you:

  • Amount you wish to borrow
  • Size of your deposit
  • Employment status and income
  • Credit rating
  • Outgoings
  • Existing debt
  • Your age
  • Length of the mortgage term
  • Your credit status
  • If you are applying solely or jointly

In order to be accepted, you need to convince lenders that you are able to repay your mortgage. To do this, lenders typically use your credit report to check your repayment history. Your credit file will contain current and existing records on items such as credit cards, loans, overdrafts, mortgages, mobile phone/s, some utilities payments and all accounts opened in the past six years. If you have had arrears, defaults, CCJs, debt management plans or previously been made bankrupt, there are mortgage options available which we can help you with.

How does the Mortgage application process work?

To get a mortgage, you will need to save a deposit of at least 5%. However, the more you can save, the better your rate will usually be. If you already own your own home, you can use the equity in your property for this. Our expert mortgage advisors can talk you through the benefits and the difference in your monthly payments by increasing your deposit.

 Once you have found the property you want to buy, our mortgage brokers will assess your personal needs and circumstances and recommend a mortgage product that is right for you. They will compare hundreds of mortgage quotes, including a number of exclusive products that cannot be found on the high street or comparison sites, and ensure that you get the right deal at a great price.

 If you are happy with the mortgage product your advisor recommends, you will then receive an Agreement in Principle (AIP). This will give you an approximate sum of how much the lender is willing to let you borrow, and enable you to put an offer in on your dream home.

 If your offer is accepted, you will need to appoint a solicitor to handle searches, surveys and contracts, which we can arrange for you. We handle the entire mortgage application process through to completion, liaising with your solicitor and lender to ensure that your application is a success.

 If you are looking to remortgage, then we recommend looking for a new mortgage deal around 3 months before your current deal expires. Starting early will give you plenty of time to compare all the available mortgage products and submit your application. If your mortgage is approved early there’s no need to panic, as we will ensure that the completion date corresponds with your current deal’s end date.

How much can I afford to borrow?

Most mortgage lenders will lend you up to five times your salary. However, this is dependent on a number of factors including your age, number of dependants and current financial commitments. Lenders generally work out how much they will lend you based on what you can realistically afford each month after you have paid your bills, credit cards, loans etc.

Our Mortgage Broker can help you understand how much you can realistically borrow before an application or credit search is completed, by assessing your individual needs and circumstances. If you choose to proceed with an application, then our advisers will know which mortgage lenders to approach to ensure you get the required loan amount.

How much deposit will I need?

To buy a home with a mortgage, you will need to save a deposit of at least 5%. The more you can save, the better your mortgage rate will be. There are a few exceptions to this however as follows: 

  • If you already own a home, you can use the equity from your property for the deposit
  • If you are a council tenant and are looking to buy your current home under the Right to Buy scheme, most mortgage lenders will now accept your Right to Buy discount as a deposit.

With property prices increasing, first time buyers are struggling to save enough money to buy a home. The government has therefore introduced ‘Help to Buy’ to enable first time buyers to get on the property ladder.

Our professional mortgage advisors are experts on all the various mortgage deals available and can help you decide which mortgage deal best fits your needs

Can i get a mortgage with bad credit?

If you have a history of bad credit including; arrears, defaults, county court judgements (CCJs), debt management plans or bankruptcy, there are still mortgage options available. Your choice of mortgage lender and type of mortgage will however be limited, and the rate of interest will be higher than someone who has a good credit rating.

Our expert mortgage brokers are in regular contact with adverse mortgage lenders and are well placed to advise you on all your available options.

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How it works

Our 3 simple steps to getting your mortgage

1.

Enquire

Complete our simple form to quickly see if you can get a mortgage.

2.

Apply

We'll take care of all your paperwork across your entire application.

3.

Relax

Sit back and enjoy the benefits of your new mortgage.

Talk to our experts today

REQUEST A CALL BACK

Our Locations

Telephone

0203 971 1234

Email

info@ourmortgagebroker.co.uk

London

  • Berkeley Square House
  • Berkeley Square
  • London
  • W1J 6BD

Bracknell

  • Venture House
  • Arlington Square
  • Bracknell
  • RG12 1WA

Birmingham

  • Lewis Building
  • 35 Bull Street
  • Birmingham
  • B4 6EQ

Free mortgage advice            Expert advice            All credit considered            Many clients trust us            Open 7 days a week            GET A FREE NO OBLIGATION QUOTE