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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
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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 4.9/5 from 2,400+ reviews on Trustpilot First-Time Buyer Contractor Self-Employed Remortgage Buy-to-Let First-Time Buyer
Thousands of Happy Homeowners
Real people. Real results. See what our clients say about their mortgage journey with MortgageTek.
5.0/5 from 175 Google reviews
“MortgageTek's AI tool helped me understand exactly what I could borrow before I even spoke to an adviser. Completed in 8 weeks — incredible service!”
S
Sarah M.
First Time Buyer · London
“As a contractor, I'd been turned away by three banks. MortgageTek found me a lender who used my daily rate and got me a £520k mortgage. Life-changing.”
J
James K.
IT Contractor · Manchester
“The team understood my retained profits situation immediately. Secured a great rate and the whole process was smooth. Highly recommend!”
P
Priya T.
Self-Employed Director · Birmingham
“Remortgaging felt daunting but MortgageTek made it simple. They found a better rate than my bank offered and saved us hundreds monthly.”
A
Aisha R.
Second-Time Buyer · Leeds
“Third property purchase with MortgageTek and every time the process gets smoother. Their broker actually understands landlord finances.”
D
David C.
Buy-to-Let Investor · Bristol
“I had no idea where to start but the team walked me through every step. Got keys to my first flat in just 6 weeks.”
E
Emma L.
First Time Buyer · Bristol
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
News Buy-to-Let Lenders Cut Rates: Opportunities for UK Landlords
Buy-to-let lenders are reducing mortgage rates and expanding finance options, offering better deals for landlords. Accord Mortgages, Rely, and Coventry for intermediaries have all announced rate cuts, alongside increased LTVs for bridging finance from Recognise Bank.
5 min read
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News FCA Mortgage Rule Changes 2026: What It Means for UK Contractors
The FCA proposes new mortgage rules for 2026, aiming to give lenders more flexibility for borrowers.
5 min read
Read more
News UK Borrowers Overpaying on SVR: Avoid High Mortgage Rates in 2026
Discover why switching from an SVR could be the smartest financial move for contractors and self-employed professionals right now.
5 min read
Read more
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