At Montgomery Financial, we understand that choosing the right mortgage can feel overwhelming — especially with so many lenders, rates, and rules to navigate. Whether you're a first time buyer, remortgaging, or buying property, we’re here to help you find a mortgage that suits your needs — and helps you avoid costly mistakes that many borrowers make.
With the mortgage interest landscape changing rapidly, staying updated on mortgage news and working with the right broker or adviser is essential. That’s where we come in.
A mortgage is a loan secured against a property. In simple terms, it allows you to buy property without needing to pay the full amount upfront. Instead, you borrow money from a mortgage lender and agree to repay it — plus interest — over an agreed mortgage term.
You’ll make monthly mortgage payments that include both the money you’ve borrowed and interest payments based on the rate of interest set by the lender, often influenced by the Bank of England base rate.
The type of interest rate — whether a fixed rate or standard variable rate — can affect how much you pay back and what you may end up paying over time. The interest rate can go up or down, which is why choosing the right deal is crucial.
Knowing how to get a mortgage starts with preparation. Lenders are tightening criteria, and many people face rejection simply because they didn't know what to expect.
Check your eligibility early and get a decision in principle before moving forward. Working with a mortgage adviser can help you understand whether a fixed rate or variable deal is best. The mortgage application process requires planning, especially when it comes to monthly repayments and any potential early repayment charge.
We’re here to help you decide what’s best and guide you through every step. If you’d like to apply for a mortgage, we offer a fast and free online mortgage review to get you started.
Lenders want evidence that you can repay what you borrow, and the sooner you start preparing, the better your chances of approval.
Start by saving for a deposit. A larger deposit can help secure a lower interest deal. Review your credit report and avoid taking on unnecessary debts. Have all documents ready for your mortgage application. Be sure to budget for all costs — including payments on your mortgage, insurance, solicitor fees, and the full lump sum needed to proceed.
Failing to prepare could result in lender rejection. At Montgomery Financial, we help ensure you’re ready before you even apply.
When it comes to finding the right mortgage, we offer more than just access to interest rates. We provide clarity, guidance, and a path forward — even if you've been turned down elsewhere.
We work with high-street bank plc and specialist mortgage lenders. We specialise in helping first time buyers get approved quickly and efficiently. Our mortgage advisers offer straightforward, no-jargon advice. With access to exclusive products, we can secure deals you may not find on your own.
If you’re unsure about your eligibility, or worried about rejection, we’re the expert partner who can help you get a mortgage with confidence.
The Bank of England continues to make rate changes, and that affects how much interest payments homeowners will need to make.
If you don’t act in time, you could find yourself on a standard variable rate, making much higher payments than necessary. Stay informed with our mortgage news updates and speak with us about whether it’s time to remortgage, lock in a fixed percentage deal, or switch to a better deal entirely.
Waiting too long may mean you end up paying more than you should.
We take the complexity out of every step — from understanding standard variable rates to getting your decision in principle sorted fast. Whether you want to move, remortgage an existing mortgage, or simply want to borrow more, we’ll help you find the right solution.
Montgomery Financial is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. That means you’re fully protected with us, and every recommendation we give meets the highest standards in UK financial services.
If you're worried about being turned down or not sure how the process works, speak with one of our advisers today. We'll walk you through your options and help you submit a strong mortgage application that stands the best chance of success.
Whether you're a first time buyer or an experienced buyer, we’re here to support you.
Don’t risk rejection. Let Montgomery Financial help you apply for a mortgage with confidence.
We’ve built trusted relationships with estate agents, solicitors, and intermediary professionals to make your home-buying journey smoother.
Whether you're buying property for the first time or looking to remortgage, our team will guide you every step of the way — from decision in principle to final monthly mortgage terms.
We offer mortgages tailored to you — not the banks.
All people working within Montgomery Financial share those values and beliefs and support the reinforcement of the fair treatment of our customers.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK
There may be a fee for mortgage advice, the exact amount will be based on your circumstances and will be confirmed upon initial consultation. A typical fee of £476 is payable on application for residential mortgages and £673 for buy to let mortgages.
Montgomery Financial is a trading style of Montgomery FS Ltd, which is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Montgomery FS Ltd is registered in England and Wales no: 12305679. Registered Address: The Granary 8 Strixton Manor Business Centre, Strixton, Wellingborough, NN29 7PA
Your home may be repossessed if you do not keep up repayments on your mortgage.
