Mortgage Advice in Swindon and Cirencester: Why Using a Broker Makes All the Difference

By Samuel Mather-Holgate

For many homeowners and buyers, finding the right mortgage is straightforward. But for others, it can feel like an uphill battle. If you’ve ever been declined, told your case is “too complicated,” or struggled with unusual circumstances, you’ll know how stressful the process can be.

That’s where we come in. At Mather & Murray Financial, we specialise in placing even the most difficult mortgages. Our highly experienced mortgage advisers in Swindon and Cirencester do everything humanly possible to find a solution.

And if you’re a client of St. James’s Place (SJP), you may already know that some SJP partners don’t offer mortgage advice. Many of their clients come to us for specialist support, complementing our financial planning journey.

Why Use a Mortgage Broker Instead of Going Direct?

Applying direct to a bank often means hitting strict criteria, with little room for flexibility. That can make life tough for:

• Self-employed clients with irregular income

• Borrowers with past credit issues

• Clients with complex property types

• High net worth individuals needing bespoke lending

As independent mortgage advisers, we have access to the whole market — not just one bank’s range. We also work with specialist lenders that don’t deal directly with the public, which can be the key to getting difficult cases approved.

For clients who don’t have a mortgage broker, or may only have a financial adviser who don’t offer mortgage advice like some clients of SJP in Cirencester or Swindon, we often act as the missing piece — providing mortgage advice that complements our financial advice journey.

Difficult Mortgages We’ve Successfully Placed

Here are just a few examples where others said “no”, but we found a way:

• Self-Employed with One Year’s Accounts
  Most lenders want 2–3 years. We found a specialist lender willing to work with just one — and secured the deal.

• Poor Credit History
  A client with historic defaults thought home ownership was impossible. We explained the background to a flexible lender and had the case approved.

• Complex Income
  Contractors, directors, or those with multiple income streams often confuse mainstream banks. We restructured the application to reflect affordability — and got it placed.

• Unusual Properties
  From converted barns to ex-local authority homes, we’ve successfully placed mortgages for properties others wouldn’t consider.

More Than Just “Difficult Mortgages”

While we thrive on solving tough cases, we also handle the full range of mortgages, including:

• Standard Residential – for first-time buyers, movers, and remortgages.

• Buy-to-Let – including portfolio landlord advice.

• Company Buy-to-Let – specialist structures for limited companies.

• Commercial Mortgages – funding for business premises and investments.

• High Net Worth Mortgages – tailored lending for clients with significant assets or income.

Local Expertise in Swindon and Cirencester

We’re based in Cricklade, right between Swindon and Cirencester. That makes us the natural choice for local families, landlords, and business owners looking for mortgage advice.

Whether you’ve never used an adviser before, your a client of a financial adviser who doesn’t offer mortgage advice, like many SJP clients in Cirencester seeking mortgage advice, or a Swindon resident who’s been declined by a bank, our advisers are here to help. We’ll meet you at our office, online, or at your home — whatever works best for you.

FAQs About Mortgage Advice

Do St. James’s Place (SJP) advisers offer mortgage advice?
Some do, some don’t — SJP partners focus on investments and pensions. That’s why so many SJP clients turn to independent brokers like us.

Why use a mortgage broker in Swindon or Cirencester?
We can access the whole market, including specialist lenders, and know how to get even difficult cases approved.

Can I get a mortgage if I’m self-employed with one year’s accounts?
Yes. Some lenders accept just one year of accounts. We’ve successfully placed these cases before.

What if I have poor credit?
Poor credit doesn’t automatically mean no mortgage. With the right placement and lender, approvals are possible.

Do you only deal with difficult cases?
No — we handle standard residential, buy-to-let, commercial, and high net worth mortgages as well.

Contact us…

At Mather & Murray Financial, we love the challenge of finding solutions when others say it can’t be done. From difficult mortgages to standard residential lending, we’ll work tirelessly to get the right result.

And if you’re a client of St. James’s Place (SJP), remember: while SJP may not offer mortgage advice, we do — and we’re right on your doorstep in Swindon and Cirencester.

Call us on 01793 261626 or BOOK A CALL BACK to see how we can help.