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Residential Mortgages
First-time buyers, movers and remortgages — we find your best rate across 120+ lenders.
AI-Powered Mortgage Guidance
Your Mortgage Journey
Starts With AI
Get personalised mortgage guidance in minutes. Our AI helps you discover your options before speaking to a mortgage expert.
120+ Lender Partners
25+ Years Experience
FCA Regulated
10,000+ Clients Helped
MortgageTek AI
Online — instant responses
Hi! I'm MortgageTek AI. I can help you find the best mortgage options for your situation. What are you looking for?
I'm a first-time buyer looking for a £300k mortgage
Great! Based on a £300k mortgage, I can access 120+ lenders. What's your annual income?
Ask about mortgages…
How It Works
The AI-Powered Mortgage Journey
From first question to completion — our AI guides every step.
Discover
Tell our AI about your situation in minutes — no forms, just a conversation.
Analyse
Our AI analyses 120+ lenders to find your best options instantly.
Match
Get matched with the right lender based on your unique profile.
Apply
Your dedicated adviser manages the full application for you.
Complete
Completion day — you get the keys, we handle the paperwork.
Our Services
Every Type of Mortgage & Finance
Whether you're buying your first home or expanding a portfolio, our specialists cover every scenario.
Contractor Mortgages
Specialist lenders that understand day-rate and contract income structures.
Self Employed
Flexible criteria for sole traders, directors, and LLP partners with complex income.
Buy To Let
Portfolio and single-property landlord mortgages with competitive BTL rates.
Commercial Finance
Business premises, development finance, and bridging loans for commercial property.
Insurance & Protection
Life cover, critical illness, and income protection tailored to your mortgage.
Why Us
What Drives Us
Our values aren't a list of words — they're the principles behind every decision we make.
Technology-First
We built AI into every step of the mortgage journey — not as a gimmick, but because it genuinely finds better deals for clients faster.
Regulated & Trusted
Fully FCA regulated with qualified, experienced advisers. Your interests always come first.
Client-Centric
We measure our success by our clients' success. 4.9-star Trustpilot rating from 2,400+ genuine reviews.
Specialist Expertise
From contractors and self-employed to commercial finance — we handle complex cases that high street banks turn away.
Client Stories
Thousands of Happy Homeowners
Real people. Real results. See what our clients say about their mortgage journey with MortgageTek.
“MortgageTek AI found me a rate I never would have discovered on my own. The process was incredibly smooth and the team guided me every step of the way.”
S
Sarah M.
First-Time Buyer
“As a contractor I thought getting a mortgage would be a nightmare. MortgageTek understood my situation and secured the perfect deal within days.”
J
James P.
Self-Employed
“We remortgaged to fund our extension and saved over £300 per month. The AI tools made it easy to understand exactly what we could afford.”
R
Rachel & Tom
Home Movers
Smart Tools Know Your Numbers
Know Your Numbers
Before You Apply
Our calculators give you instant, accurate figures so you walk into every mortgage conversation fully prepared.
Full CalculatorQuick Mortgage Calculator
£250,000
4.5%
25 years
Estimated monthly repayment
£1,390
Representative example — actual rates may vary
Knowledge Hub
View all articles → Latest Insights & Guides
First-Time Buyers How Much Deposit Do You Really Need in 2025?
We break down the true cost of buying your first home — from minimum deposits to government schemes that could help you get on the ladder sooner.
5 min read
Read more
Remortgage Is Now the Right Time to Remortgage?
With interest rates shifting, many homeowners are reviewing their deals. Here's how to decide if switching now could save you thousands.
4 min read
Read more
Self-Employed Getting a Mortgage When Self-Employed: A Complete Guide
Being your own boss shouldn't mean missing out on your dream home. Learn what lenders look for and how to put your best foot forward.
7 min read
Read more
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