Is it worth paying a mortgage broker?

Yes. A mortgage broker saves time, reduces stress, and often finds deals you won’t see directly. At MBNM, our whole-of-market access means we compare 90+ lenders to secure the right mortgage for you.

Do I need a mortgage broker or a bank?

Banks can only offer their own products, while brokers compare the whole market. That means more choice and, in many cases, more competitive rates.

When should I start looking at remortgage options?

It’s best to review your options 3–6 months before your deal ends. This gives time to secure a new rate and avoid moving onto a higher standard variable rate.

How much does a mortgage broker cost?

Mortgage broker fees vary. Some charge the customer directly, while others are paid by the lender. At MBNM, we provide free initial advice, and if a fee applies, we’ll always agree it with you upfront so there are no surprises.

What credit score do I need for a mortgage?

There isn’t one set score. Many lenders look for “good” or “excellent” credit, but specialist options exist if your score is lower. We’ll help match you with lenders based on your profile.

Do you cover my area?

Yes. We work with clients across Surrey, Hampshire, Berkshire, and beyond, combining local expertise with online tools so you can get advice wherever you’re based.

Mortgage Broker Near Me | Independent Advice

From first-time buyers to remortgaging and property investment, we provide whole-of-market advice and support through every stage of your mortgage journey.

Expert Mortgage & Property Services in One Place

Our whole-of-market access means we compare 90+ lenders to find the right deal for you. Explore our full range of services below or speak with an adviser today.

Talk to an Adviser Today

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Expert Mortgage Services Tailored to You

Clear advice for first-time buyers, remortgages, and buy-to-let investors all in one place.

Includes:

- First-Time Buyers
- Residential Mortgages
- Buy-to-Let Mortgages
- Remortgaging
- Home Improvement Mortgages
- Porting Mortgages
- Debt Consolidation Mortgages

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Insurance & Protection You Can Rely On

Protect your home, income, and family with tailored insurance options that give you peace of mind through every stage of your mortgage.
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Includes:
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- General Insurance (Home Insurance)
Mortgage Protection:
- Life Insurance
- Critical Illness Insurance
- Income Protection

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Property Support Services from Trusted Partners

Make your move smoother with trusted property services, from legal conveyancing to property valuations, all arranged through our reliable partners.

Includes:
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- RICS Surveys (Level 2 – Home Buyers, Level 3 – Full Structural)
- Solicitors (Partner Firms for Buying/Selling)
- Selling or Buying (Recommended Estate Agents)
- Removals (Partnered Firms)

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Wealth & Estate Planning Guidance

Plan for the future with advice on protecting your assets, passing on wealth, and ensuring your family’s financial security for generations to come.

Includes:
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- Wills (Recommended Will Writers)
- Financial Advice (Wealth & Investment Planning, Tax Efficiency)

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Why homeowners trust MBNM

As fully independent brokers, we compare the whole market and give you access to products you won’t find on the high street, backed by genuine local expertise.

Whole-of-Market Access: We compare 90+ lenders, not just one bank.

Local Expertise: Specialist knowledge of the South East housing market.

FCA Regulated & 5-Star Rated: Independent, secure, and trusted by 7000+ clients.

Free Initial Advice: No-cost guidance, with all fees agreed upfront.

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Success Stories from MBNM Clients

Specialised in securing a self-employed mortgage in Milton Keynes

Mr & Mrs T

Mortgage in Essex

Specialised in securing a first time buyer mortgage in Essex , helping them prove income and find the best lender for their needs.

Assisted with a home mover mortgage in Scotland

Mr & Mrs D

Mortgage In Sussex

Helped a first-time buyer in Sussex cross the finish line to secure their dream home — and yes, we carried them over it!

Mr & Mrs E

Mortgage London

Helped remortgage their London property, finding a lower interest rate and reducing their monthly repayments

Mr & Mrs K

Mortgage Manchester

Secured a mortgage for their dream home in Manchester, navigating complex lender requirements to get the best deal.

Secured a competitive first-time buyer mortgage in Manchester

Mrs S

Mortgage In Portsmouth

Supported a self-employed first-time buyer in Portsmouth in securing their first home.

Mrs H

Mortgage Hampshire

Helped secure a mortgage in Hampshire for a property that needed a little love — arranging additional funds for home improvements to turn the house into a home.