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Mortgages without the "what if?"
We search over 100 lenders and thousands of schemes to find the deal your high-street bank can't. On average, our clients unlock significantly more borrowing than a "standard" mortgage calculator says they can.
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Your mortgage, from the whole of the market — not just one bank's shelf.
James, you've got 8 options to buy that home worth
£300,000We search over 100 lenders to find you the best deal
From your high street to lenders you'd never have heard of. That's how we regularly unlock tens of thousands more borrowing than a "standard" high-street calculator — and why so many of our clients buy homes they were told weren't possible.
Talk to an adviser today →The mortgage you need, no matter your situation
Pick the one that sounds like you — or talk to us and we'll point you at the best fit.
First-time buyer mortgage
Low deposit, low affordability, solo buyersEnhanced affordability and the best rates from lenders who actively want first-time buyers.
Remortgage
Employment & incomeBest rates from over 20,000 products and 100+ lenders — we'll tell you if staying put is actually the smart move.
Buy-to-let mortgage
New landlords, portfolio, Ltd-coResidential, HMO, holiday-let and limited company BTL. We know which lenders say yes to what.
Self-employed mortgage
Self-employed or complex incomeOptions for sole traders, contractors & company directors who only need one year's accounts.
New-build mortgage
Low deposit, low affordability, solo buyersLower deposit requirements and better rates for new-build homes.
Home mover mortgage
Porting, upsizing, downsizingWe'll get you an agreement in principle so you can make offers with confidence — agents love to see it.
Guarantor mortgages
Low affordabilityUsing guarantor income, savings or property to boost borrowing — without the family handing over cash.
Shared Ownership
Low affordabilityIncrease your budget with the government's Shared Ownership scheme — staircase up when your budget grows.
No & 1% deposit mortgages
Little or no deposit neededTrack Record mortgages and deposit-free schemes — lenders can lend on proof you've paid rent on time.
High-street bank vs. whole-of-market broker
Going direct to your bank
- ×One lender. Whatever they offer is your only option.
- ×Rigid affordability — "computer says no" is final.
- ×You fill out the forms. You chase the underwriter.
- ×No one tells you when it's time to remortgage.
- ×Good luck if you're self-employed or have a deposit story.
Montgomery Financial
- ✓100+ lenders — including ones the public can't access directly.
- ✓We find the lenders that will say yes to your story.
- ✓We handle the paperwork, lender and solicitor — start to keys.
- ✓We flag your remortgage 6–7 months early so you never roll to SVR.
- ✓Self-employed, low deposit, guarantor, complex income — our specialty.
The ultimate mortgage experience
We'll find you the best deal
From 20,000+ products across 100+ lenders — narrowed to your best 2–3.
Same-day appointments
Book an instant slot Monday to Friday — we'll call you back today.
A dedicated adviser
One expert by your side from hello to the day you get your keys.
Free mortgage in principle
Make offers with confidence — estate agents love to see our AIP.
Local Northants expertise
Feet on the ground in Wellingborough — not a faceless call centre.
Lightning-quick service
Average time from application to mortgage offer is just 10 days.
Protection & insurance advice
The cover you need to protect you, your family & your home.
WhatsApp updates throughout
Real-time progress, no chasing, no email ping-pong.
Remortgage reminders
We flag your renewal 6–7 months early so you never slip to SVR.
Don't take our word for it
Explore our range of guides
Which first-time buyer scheme is right for me?
When should I start my remortgage? The 6-month rule explained
Will mortgage rates drop in 2026? Our expert rate predictions
Self-employed? Here's how lenders really see your income
Your local mortgage broker — feet on the ground, not a call centre.
We're based in Wellingborough, live in the communities we serve, and know the lenders who love our local market. We also help clients right across the UK — by phone, Zoom and WhatsApp.
Ready to see your real mortgage options?
One 20-minute call. Zero obligation. We'll tell you exactly what you can borrow, from which lenders, and what your monthly payment looks like.
Talk to an adviser today →