FCA Regulated · UK Whole of Market Advisers
Expert Mortgage Advice
Guiding You Every Step of the Way
Finding the right mortgage can feel overwhelming, but at Mather & Murray Financial, we make the process clear, simple, and stress-free.
mortgages and advice
Mortgages covered for all situations
Whether you are a first-time buyer, remortgaging, investing in buy-to-let, or self-employed, our independent mortgage advisers provide expert guidance to help you secure the best deal available.
Unlike high-street banks, we are not tied to any lender, meaning we can search the whole market to find the right mortgage for your individual circumstances.
First-Time Buyers Mortgages
First-time buyer, home mover, or remortgage — we search the whole market to secure your best rate and terms.
Remortgaging
Life insurance, critical illness, and income protection — the right cover to protect you and those you love.
Buy-to-Let Mortgages
Pension reviews, drawdown strategies, and later-life planning to ensure financial freedom in retirement.
Self-Employed Mortgages
We provide expert equity release advice to help homeowners unlock the value of their property in a way that suits their needs.
Adverse Credit Mortgages
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Specialist Mortgages
ISAs, pensions, and investment planning tailored to your goals, appetite for risk, and tax position.
Ready to get started?...
Why Mather & Murray
How Our Mortgage Advice Process Works
We're an independent, whole-of-market firm. That means we're not tied to any lender or product provider — every recommendation we make is driven entirely by what's best for you.
1
Free Initial Consultation
Your journey starts with a free, no-obligation consultation, where we:
- Discuss your financial situation and mortgage needs.
- Explain the different mortgage options available.
- Answer any questions and provide clear, jargon-free advice.
- Assess your eligibility and guide you on the best next steps.
2
Mortgage Research & Recommendation
Once we understand your needs, we:
- Search the whole market, including specialist lenders that may not be available on the high street.
- Compare rates, fees, and terms (criteria) to find the best mortgage deal.
- Provide a personalised mortgage recommendation tailored to you.
3
Mortgage Application Support
Once you're happy with the mortgage recommendation, we:
- Handle the full application process on your behalf.
- Liaise with lenders, solicitors, and surveyors to make the process as smooth as possible.
- Keep you updated at every stage, so you always know what's happening.
4
Mortgage Offer & Completion
Once your mortgage is approved, we:
- Review the lender's mortgage offer to ensure everything is correct.
- Work with your solicitor to ensure a seamless property transaction.
- Provide ongoing support even after your mortgage completes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get in touch
Start your free consultation
There's no obligation and no cost to your initial consultation. Simply fill in the form and one of our advisers will be in touch, usually within one working day.
Why Choose Mather & Murray Financial for Mortgage Advice?
Independent Advice
We work for you, not the banks, ensuring unbiased recommendations.
Whole-of-Market Access
We search a wide range of lenders, including specialist mortgage providers.
Expert Guidance
Every client is different, so we tailor our advice to your unique circumstances.
Personalised Solutions
We work for you, not the banks, ensuring unbiased recommendations.
Independent Advice
We manage everything for you, saving you time and hassle.
Mortgage Capacity Reports - Understanding Your Borrowing Power
A Mortgage Capacity Report is a vital tool for anyone going through a major life transition, particularly divorce or separation. If you need to prove your mortgage affordability to a court, solicitor, or ex-partner, this report provides clear, professional evidence of how much you could borrow.
At Mather & Murray Financial, we help individuals navigate these complex financial decisions with confidence. Our independent mortgage advisers can assess your income, expenses, and overall affordability, ensuring you understand what mortgage options are available to you.
