New Customers

Helping you find the right mortgage, the easy way.

We have access to over 90 lenders and 12,000 mortgages.

Attention to detail.
Down to earth.
Helping when others haven’t.

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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.

Mortgage and Protection Insurance - How can we help?


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.

Buy-to-Let Mortgage

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.

Self-Employed Mortgage

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.

First Time Buyer Mortgage

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.


By taking out protection insurance you can safeguard your finances (including your mortgage!) against unexpected events. So from the all-important Life Insurance to Income Protection and Critical Illness Cover, contact our protection insurance team today to talk through your options. While if you’re a company director we also offer Directors Life Insurance too.

We make mortgages easy.

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!


Peter & Frances
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“We would just like to say THANK YOU to you all at The Poulton Branch in helping us to obtain a remortgage. Special thanks goes to Marc Bennett, who was very helpful and extremely patient during the process. Marc was an absolute star, providing us with constant updates and much appreciated professional advice. We are eternally grateful for what you managed to accomplish on our behalf, we are delighted!”
Amanda & Nolan
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“Thanks so much for all the help and support you provided during our recent house move, Sam and team! In the period of stress and uncertainty, The Mortgage Factory shone out as being consistently helpful and professional. The help, guidance and direction is so very much appreciated. Thanks again.”
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“I just want to sat a huge thank you for helping me purchase my second property. I know it was tricky at times, and you invested a lot of your time into making sure things progressed Professional and friendly, as always.”
Chris & Kiera
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“Sam, and everyone at The Mortgage Factory. Thanks so much for helping us to buy our first house. You went above and beyond, and we really appreciate all of your hard work.”
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“I just want to say thank you for everything you have done in helping me buy my first home. You made the process stress-free, and I couldn’t be happier!”

Our Process:

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.

Meet The Team

Alan Lyne

Alan Lyne


Managing Director and Principal Mortgage Engineer

Steve Kay-Jones

Steve Kay-Jones


Sales Director and Principal Mortgage Engineer

Sam Hargreaves

Sam Hargreaves


Director and Principal Mortgage Engineer

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.

Steve looks after our clients within Equity Release. Having been in the industry for many years, the knowledge and experience that Steve brings is integral to The Mortgage Factory.

Sam join the company in 2009, with a background in packaging mortgages. Sam is an expert in residential and buy-to-let mortgages.

Johnathan Marcroft

Johnathan Marcroft


Mortgage & Protection Engineer

Sally Lyne

Sally Lyne


Senior Paraplanner

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.

Sally has been in the industry for many years, working with mortgages and the wealth planning sector. She brings with her much valued experience.
Chelcie Brightman

Chelcie Brightman


Karolyn Williams


Mortgage Admin


Clare Kay-Jones


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!

Meet The Team

Get Started?


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.

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.

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By submitting this form, I consent to the storage of my data according to our Privacy Policy (GDPR).