About Us

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

Our Mortgage Broker are a specialist finance brokerage offering a wide range of financial services for a variety of purposes, including short-term finance and bespoke financial solutions for residential and commercial clients.

As an impartial, discrete and qualified advisory team with over 100 years’ experience combined, our professional team can advise and guide you the best way forward.

Our ethos is simple.

“Our Mortgage Broker are an independent and regulated mortgage brokerage that are committed to being transparent, impartial and experienced”


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.

Arif Punjani Profile Picture

Arif Punjani
BSc(Hons), DIPIFR, TEP, ATT, ACAChartered Accountant

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0203 971 1234

arif@ourmortgagebroker.co.uk

Saira Taggar Profile Picture

Saira Taggar
BA (Hons), CeMAP, CISIBridging and Development Finance Consultant

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0203 971 1234

saira@ourmortgagebroker.co.uk

Freddie Addo Profile Picture

Freddie Addo
BA (hons), DipArch, ARBArchitect

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0203 971 1234

freddie@ourmortgagebroker.co.uk

Mitesh Manek Profile Picture

Mitesh Manek
CeMAPMortgage and Protection Consultant

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0203 971 1234

07956 227 136

mitesh@ourmortgagebroker.co.uk

Dil Gujral BA Profile Picture

Dil Gujral
BA (Hons) MFPWSChief Party Wall Surveyor

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0203 971 1234

07730 029 877

dil@ourmortgagebroker.co.uk

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Why choose OMB?

  • Expert advice
  • All credit considered
  • So many clients trust us
  • Open 7 days a week
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Getting a mortgage FAQs

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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.

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