We have access to over 90 lenders and 12,000 mortgages.
Your home may be repossessed if you do not keep up the repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances, with the fee being up to 1% but a typical fee is £495.
There are lots of reasons why you may want to remortgage your house, from saving money on your mortgage payments to freeing up cash to pay for home improvements. Whatever your remortgaging needs, contact our expert remortgaging team to see how we can help.
Whether you’re an experienced landlord or considering investing in your first buy to let, at The Mortgage Factory we’re always ready to construct future-proof advice. So speak to our dedicated buy-to-let mortgage advisors who will assemble the right option for you.
We’ve spent years assembling and fine-tuning our wealth of self-employed mortgage advice and it is at your disposal! So whether you’re a company director, sole trader or a contractor, contact us today and speak to a specialist self-employed mortgage advisor.
Looking for a first time buyer mortgage? Then we’re here to help. We pride ourselves on making mortgages easy and we’ll guide you throughout the process of buying your first home. We’ll explain all your options so you’ll have peace of mind you have the right mortgage for you.
We’re here to manufacture your ideal mortgage from consultation to completion. Plus, we can find the right protection insurance for you too. Founded in 2007, at The Mortgage Factory we are proud of our customer-driven ethos. As specialist mortgage advisors, we design, package and produce mortgages as well as supporting our customers throughout the entire process of assembling a mortgage!
Our mission is to give clear and helpful advice that helps you save money on your mortgage.
As mortgage brokers we have several in-store locations in Lancashire including in Poulton-Le-Fylde, Lytham St Annes and Up Holland. But if you live elsewhere in the UK, don’t worry – we are still here to help you! So ignore the scared voice that says, “but there isn’t a mortgage advisor near me!”. And contact our dedicated online team – we’re always ready to set up an appointment for you.
After almost 15 years of processing mortgages across the UK, we are extremely proud of our high volume of referrals and many glowing recommendations. We figure we must be doing something right!
So contact us find out how The Mortgage Factory can help you find the right mortgage for you!
Before anything hits the assembly line, we take the time to assess your circumstances so that we can design an action plan. As mortgage brokers with access to over 90 lenders and 12,000 mortgages, we tailor our mortgages to your needs so every customer has a bespoke service.
Whether you’re first time buyer, purchasing a buy to let or looking to remortgage your home there’s a specific track through the factory for you, supervised by speciality teams, ready to support you.
When you’re ready to apply for your mortgage, we’ll ensure it’s a streamlined affair. We’ll take care of every step, making the process completely stress-free.
Alan is the founder of The Mortgage Factory. He has a wealth of experience in the financial industry, specialising in mortgages as well as insurance.
Sam join the company in 2009, with a background in packaging mortgages. Sam is an expert in residential and buy-to-let mortgages.
Johnny is based at our branch in Upholland, and is a one-stop shop for all your mortgage needs! He’s not just a robot with a calculator, he takes the time to get to know you and your unique situation, so every recommendation is tailored just for you and your family. When he’s not helping his customers with their mortgages, you can find him being a dinosaur with his son.
Chelcie originally started off with The Mortgage Factory in 2013 on an Apprenticeship, before leaving in 2017 to broaden her horizons. After a few years of exploring other industries, she re-joined the team in 2022 and has seamlessly fit back in with her not so quiet personality! Chelcie builds strong relationships with our clients, and regularly go’s above and beyond to get matters resolved.
Karolyn has 25 years of experience in financial services, working for a Building Society. Jo used to work with her and convinced her to come on board with us and Karolyn hasn’t looked back since. But, the truth is we only hired her because she makes the tastiest lemon drizzle cake!
Clare joined the company in 2018 after a lifetime working for The NHS, and is based in our Upholland Office with Steve and Johnny. Clare is very supportive, and helps our customers every step of the way throughout their mortgage journey to completion. Her secret? A combination of a passion to help, and a fierce determination to get things done… and a never-ending supply of chocolate!
Johnny is based at our branch in Upholland, and is a one-stop shop for all your mortgage needs! He’s not just a robot with a calculator, he takes the time to get to know you and your unique situation, so every recommendation is tailored just for you and your family. When he’s not helping his customers with their mortgages, you can find him being a dinosaur with his son.
Chelcie originally started off with The Mortgage Factory in 2013 on an Apprenticeship, before leaving in 2017 to broaden her horizons. After a few years of exploring other industries, she re-joined the team in 2022 and has seamlessly fit back in with her not so quiet personality! Chelcie builds strong relationships with our clients, and regularly go’s above and beyond to get matters resolved.
Clare joined the company in 2018 after a lifetime working for The NHS, and is based in our Upholland Office with Steve and Johnny. Clare is very supportive, and helps our customers every step of the way throughout their mortgage journey to completion. Her secret? A combination of a passion to help, and a fierce determination to get things done… and a never-ending supply of chocolate!
If you go directly to a lender you will only be offered their products. But at The Mortgage Factory, we look at the whole of market – this means you’ll have much more choice. Plus, using a mortgage broker can also save you time because you won’t have to spend time going to each lender one-by-one.
Yes, we typically charge a fee upon completion of £495. But it can be cheaper if you’re a first time buyer. And there are no upfront costs!
We usually need to see ID, banks statements and proof of income. However, some types of mortgages like self-employed mortgages will require more documentation.
We always take into account the needs and wants of each applicant and offer a completely bespoke service. And we’ll give you a suitability letter which protects the applicant.
Yes. We offer a range of different types of protection insurance.
You’ll usually need a deposit of at least 5% for a residential mortgage or at least 20% for a buy to let mortgage.
This will depend on how many years you decide that you want to pay your mortgage over. However your age and how close you are to retirement may be determine the maximum mortgage length you can get.
If you take out a fixed-rate mortgage the amount you’ll pay each month will remain the same during the initial term. With variable-rate mortgages, such as tracker mortgages, discounted variable-rate mortgages or if you’re on your lender’s standard variable rate, the amount you pay could go up or down.
Most lenders will allow you to overpay your mortgage, usually by up to 10% per year. But this varies by lender so always check.
Yes. We can help if you’re buying through Government schemes like Shared Ownership.
The Mortgage Factory is the trading style of Mortgage Factory UK LTD, an appointed representative of Mortgage Advice Bureau which is authorised and regulated by the Financial Conduct Authority. The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK. Your home may be repossessed if you do not keep up the repayments on your mortgage. Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
The Mortgage Factory is registered in England & Wales: No. 06324559. Registered Office: 2 Queens Square, Poulton-Le-Fylde, Lancashire, FY6 7BN.
