Mortgage Broker
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Whole of mortgage market.
Exclusive mortgage schemes that are only available through mortgage brokers.
NO BROKER FEES under any circumstances
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terms of business

Terms of Business

Terms of Business

As with any business there are some restrictions...

We require that for a remortgage, your mortgage loan is at least  100,000. For a property purchase the mortgage loan should be at least 150,000

We are currently unable to offer any mortgages to expatriates - people who live and work abroad

We are currently unable to offer any mortgages for shared equity property

We cannot offer 'direct' mortgages where the lender chooses to restrict availablility to direct applicants

1st Mortgage Brokers is a trading name of Mortgages Direct

Mortgages Direct

Mortgages Direct are a Mortgage Broker. We act as an intermediary between client and lender

Mortgages Direct are regulated by the Financial Conduct Authority (FCA). Our registration number is 303319. Look us up on the FCA website).

The FCA sets minimum standards of good lending and advisory practice to be followed by all lenders and mortgage intermediaries.

Mortgages Direct are committed to the principles of “treating customers fairly”. This initiative, introduced by the FCA, aims to improve the quality of information provided to clients at all stages of the mortgage application process.

What we do

We are a whole of market broker and will endeavour to arrange the best mortgage that is available to us.

We can also arrange suitable insurances

NO FEES - We do not charge you a fee for arranging your mortgage or insurance

We cannot offer the following mortgages:

  • Where mortgage lenders restrict access to products
  • Islamic Mortgages
  • Equity release for retired applicants

We will provide you with information relevant to your mortgage needs, covering such items as an explanation of the main repayment methods and the implications of taking out a mortgage.

Our firm may receive fees from lenders with whom we place mortgages. We do not receive a fee if your mortgage application fails. Our firm may also receive a fee from insurance companies or solicitors, if you choose to arrange insurance or conveyancing through us.

The Application Process

Our preferred means of communication is telephone and email. We can post documents to you if you prefer

We will be completing a detailed financial review to enable appropriate advice to be given on your mortgage and other related insurance products. Once we have made our recommendations to you, we will confirm our advice in writing. You should keep this as it will be an important record of our discussions. Details of the loan will also be confirmed in your lender's formal offer.

We will need to prove your identity and address

Prospective lenders will assess your application against strict lending criteria. It is important that you are open and forthcoming about your situation so that we can avoid any misunderstandings.

All lenders will complete an affordability and credit assessment. Please ensure we are aware of any adverse credit or substantial commitments that may affect your application

We provide illustrations using computer software provided by third party organisations. Occasionally, errors and omissions will occur. The actual terms and conditions of your mortgage will be shown on the lender's mortgage offer document.

Where a lender's fee (for example valuation fee) is requested with your application, please be aware that the fee may not be refundable should your application not proceed to completion.

Any mortgage rates or terms quoted will not be “locked in” until your application has been received by the lender. Lenders can change rates without any notice.

We can never guarantee that a mortgage application will be successful. You should not enter into any contractual arrangements or agreements until you have received your mortgage offer.


A mortgage is probably the largest financial commitment you are likely to make. Now is a good time to consider your insurance requirements

You will be responsible for repaying your mortgage. You should consider what you will do if your income stops. How will you keep up your mortgage payments?

Please ask us about the various insurances that are available to you

You do not have to take out any insurance through us or the lender

No insurance will be automatically arranged. If you require cover, you need to make this clear to your adviser

Limits of Our Advice

It is important to understand the limits of our advice.

We will only consider your mortgage and insurance requirements and their suitability for you

You will need to satisfy yourself as to whether the property is in a flood risk area or in an area liable to subsidence

You will need to consider the property type and location and how suitable the property will be for your situation. You should take responsibility for this decision

While house prices have risen in the past, there is no guarantee that they will continue to do so in the future. Please bear in mind that house prices can go down as well as up

Regulated Mortgages

A mortgage is likely to be regulated if it is secured against your home and it was taken out after 31st October 2004. If your mortgage is regulated we will provide you with the following documents:

  • An Initial Disclosure Document (Key facts about us). This document provides you with key information about us.
  • A Key Facts Illustration (KFI). This document presents you with key information about a mortgage product. The information is presented in a standard format to enable you to compare schemes.
  • Letter confirming why a particular product was recommended

Please be aware that ‘buy to let’ mortgages and other ‘business’ mortgages are not regulated by the FCA. You will not have the same degree of protection for these products.

Data Protection

We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your mortgage.

As part of FCA's duties we may be asked to provide them with access to our customer records in order that they may carry out an audit of our activities. The FCA's ability to inspect customer records promotes best practice in our industry and ensures that you continue to receive the best possible service from us. If we disclose your personal information to the FCA then they will only use it for the purpose of compliance and not for any other reason.


Our aim is to provide you with a first class professional and confidential service - should a complaint arise, in the first instance you should contact us at the above address.

Financial Conduct Authority registration no. 303319

Mortgages Direct uk
2 The Crescent, Goodworth Clatford, Hampshire SP11 7RQ